Episode 130
David M Brear on Service, Core Banking, and Fintech Agility – Fintech Garden
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Episode 129: David M Brear on Service, Core Banking, and Fintech Agility
Hosts Igor Tomych and Dumitru Condre speak with David M Brear, CEO of 11:FS Holdings, about how fintechs are redefining banking experiences and why legacy systems and culture remain the biggest hurdles in financial services.
Key Insights:
- Service over Scale: Tailored experiences create value, not the size of your bank
- Context Matters: Proactive, personalized service anticipates customer needs
- Legacy Systems Slow Innovation: Multiple core systems increase cost, risk, and operational complexity
- Digital-First Advantage: Agile banks iterate quickly, test, and deploy features faster than traditional banks
- Culture is Critical: Empowered teams and clear leadership drive meaningful change
- Human Factor: David’s athletic background reinforces discipline, resilience, and strategic thinking
The Future of Banking
Innovation is not just technology: it is culture, service, speed, and human-centered design.
Guest Appearing in this Episode
David M. Brear
CEO @ 11:FS Holdings
David is a fintech pioneer and influencer with over 15 years of experience in leading digital transformation and innovation projects for some of the world's largest financial services companies. He is the CEO of 11:FS, a challenger consultancy that helps clients create innovative strategies, build new propositions, and launch new ventures in the UK, US, Europe, and Asia. At 11:FS, he oversees the development of in-house products such as 11:FS Pulse, a competitor benchmarking tool, and 11:FS Foundry, a core banking and modern architecture system. He is also the host of FinTech Insider and InsurTech Insider, two of the most popular fintech podcasts in the industry. He is passionate about changing the fabric of financial services and believes that digital financial services is only 1% finished.
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