David is the CEO of 11:FS and since his dream of being a sportsperson was crushed (along with the ligaments in his knee!) and he had to get a proper job, he has worked in pretty much every angle of the financial services industry never losing that competitive desire to win. Having pitched, established and run billion-pound transformations for some of the biggest FS companies on the planet the realisation that digital banking is only 1% finished has spurred his desire to establish an organisation that can actually make it happen. 11:FS is a challenger consultancy building out new propositions and ventures in the UK, US, Europe and Asia for some of the biggest brands on the planet. Alongside this 11:FS build in-house products from competitor benchmarking tools like 11:FS Pulse, to core banking systems like 11:FS Foundry. Most recently David has led the creation and market establishment of the challenger business bank Mettle for Natwest in the UK as its CEO, proving that the big banks can fight back against the FinTech threat. Enjoy this Episode.