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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Digital Riches Becoming Real
- Digital riches combine real-time, intelligence, context, human touch, extensibility and social features to create standout products.
- These capabilities are now maturing and enable experiences previously impossible at scale.
Context Makes Fintech Feel Human
- Contextual features (like Revolut's street mode) solve urgent real customer problems outside classic banking boundaries.
- Real-time, contextual services feel human and increase trust and utility for users.
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.