Fintech Insider Podcast by 11:FS 1026. Insights: Our fintech predictions for 2026
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Jan 5, 2026 David M. Brear, Group CEO at 11:FS and fintech strategist, shares bold predictions for 2026 alongside Ross Gallagher, Head of Consulting, and Kate Moody, Customer Strategy Director. They discuss 'digital riches' transforming financial experiences with contextual products and the widening gap between legacy banks and neobanks. The conversation also highlights the potential of digital identity as a market leverage and the evolving landscape of investments, especially for younger consumers. Brand importance and the role of advisory services in democratizing access to investing are emphasized as key themes.
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Human Fallback Still Matters
- Even highly engaged fintech users still value a physical human fallback for money problems.
- Digital experiences must earn trust by proving reliability in critical moments to replace branches.
Wealth Problems Mirror Mass-Market Pain
- David compares wealthy clients' problems to mass-market customers: the commas differ but the issues are similar.
- He illustrates that high-end platforms face analogous challenges to mainstream banking.
Design User-Controlled Digital Identity
- Build digital identity systems that put users in control rather than centralise power with governments or corporations.
- Ensure revocable, consented access so people can safely share and revoke personal documents and data.