Joe Colchester

Jannick Malling, Co-founder of Public.com, and Joe Colchester, Head of Product at 11:FS Pulse, dive into what excellence in user experience looks like in fintech. They discuss insights from the latest Pulse report, emphasizing the shift towards digital interactions and AI’s role in personalized investing. The conversation explores proactive UX strategies for the future, challenges faced by traditional banks, and innovative features reshaping user engagement. They also touch on cryptocurrencies gaining legitimacy, signaling a transformation in the financial landscape.

Join David Barton-Grimley, Director of Strategy at 11:FS Ventures, and Joe Colchester, Head of Product at 11:FS Pulse, as they dive into the most memorable moments of fintech in 2025. They discuss the inspiring accessibility innovations of Project Nemo, break down the buzzworthy term 'agentic AI', and analyze the surprising partnership between Klarna and Stripe. The duo also dissects the implications of recent cloud outages on the industry, rounding off with insights into Nubank's impressive global growth and the future of financial technologies.

Evan Simmonds, Principal Product Designer at Up, shapes onboarding and joint-account UX. Oliwia Wasik, UX research analyst at 11FS Pulse, studies real-world digital banking behaviour. Joe Colchester, Head of Product at 11FS Pulse, drives fintech product strategy. They unpack six UX predictions: AI moving from insight to action, automation guardrails, mainstream investing in banks, pensions as lifestyle journeys, prediction markets, stablecoins as invisible rails, and mass-market wealth features.