David M. Brear

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.

David M. Brear, CEO of 11:FS, discusses the challenges faced by traditional financial services in adapting to digital enhancements and the importance of prioritizing employees over customers. He also explores the concept of marketplace solutions and the integration and orchestration of providers in the financial services industry. The conversation touches on Bank as a Service and Bank as a Box, as well as the changing landscape of the industry with competition between big incumbents and fintech disruptors.

David M. Brear and guests discuss financial inclusion in the USA, focusing on challenges, lived experience, and underserved communities. Topics include building ecosystems for the unbanked, impact of the pandemic, banking deserts, government intervention, driving financial inclusion, and challenges faced by minority-led fintech companies in funding.