Digital Transformation in Banking & Financial Trends
The best product experiences & fintech innovations revealed
Which brands are setting trends in banking transformation and product experiences. What innovations can we expect in 2025?
In the fourth annual 11:FS Pulse report, we recognise the best digital banking experiences, highlight key financial services industry trends, and share expert insights on the latest fintech innovations shaping 2025.
What's inside the report?
The best customer experiences of 2024
We award our Pulse Stars - the gold standard of user journeys from last year in financial services.
Feature benchmarking and 5 takeaways
11:FS Pulse's newest benchmarking tool unpacks the future of banking app design.
2025 predictions and brands to watch
Our experts to share their takes on the financial services trends that will shape the year ahead.
"We’re thrilled to introduce a brand new section to this year’s report, using our industry-leading Feature Benchmarking Tool to compare UK banks and challengers, revealing who’s leading the way in mobile banking."Joe Colchester
Report author and Head of Product, 11:FS Pulse
The experts behind the report
Joe Colchester
Joe is Head of Product for 11:FS Pulse. He has a passion for fintech, UX and product. He oversees the 11:FS Product Roadmap and has 5+ years working within the fintech industry.
Oliwia Wasik
Oliwia specializes in UX research and fintech strategy, with experience spanning academia and industry. She leads benchmarking insights and content strategy, focusing on innovation in financial services.
David M. Brear
David is CEO and Co-Founder of 11:FS. Regularly named amongst the Top 100 Most Influential FinTech Leaders, he’s one of the most recognized and influential people in financial services.
Kate Moody
When she's not hosting our Fintech Insider podcast, Kate is applying Jobs To Be Done theory through mixed methodology research to define, build and launch the next generation of truly digital services.
David Barton-Grimley
David is our Global Strategy Director, Embedded Financial Services. He's an expert at bringing new products and platforms to market and strategically designing services in complex ecosystems and institutions.
Benjamin Ensor
A Fintech Insider regular, Benjamin has more than 20 years' experience advising global FS firms about customer behaviour, market dynamics, and the impact of digital technology.
More fintech insights & banking trends
Explore our expert-led content for more insights and opinions from industry leaders.
