We believe digital financial services are 1% finished. We’re building the next 99%

11:FS 2nd Floor 1 Finsbury Avenue London EC2M 2PF

Financial Services Digital Strategy

11:FS builds next-generation propositions for challengers in the financial services industry: existing firms looking to innovate, start-ups looking to scale, and everyone in between

Glass Door
Team Size 200 - 300
Established 2016
Gender Diversity 40% Last updated Dec 2019

11:FS builds next-generation propositions for challengers in the financial services industry: existing firms looking to innovate, start-ups looking to scale, and everyone in between

Understand the competitive landscape, transform your business and build the next generation of truly digital financial services.

We have an incredible team made up of high flyers from across the FinTech and banking scene united by the belief that digital banking is 1% done and that digital reform is needed to improve systems and services for banks and their customers. As a result we can build new digital banks and banking products, and deliver benchmarking, research, and consultancy for banks, insurers, governments, regulators and startups around the world.

11:FS builds next-generation propositions for challengers in the financial services industry: existing firms looking to innovate, start-ups looking to scale, and everyone in between.

We do this through:

  • Transformation and advisory services (11:FS Consulting)
  • Consumer and market research (11:FS Research)
  • Industry benchmarking (11:FS Pulse)
  • Core banking capabilities (11:FS Foundry)
  • Industry-leading content and events (11:FS Media)

Our Purpose

We unleash talent with small specialised teams creating truly digital ventures that customers love. We combine corporate expertise with startup agility in the way we work, the way we think and the way we build propositions.

Our business and teams are inter-disciplinary and outcome driven. We deliver meaningful results, not a Powerpoint of suggested actions.

With 11:FS, clients transform their businesses with new ways of working, challenging established thinking while building sustainable new ventures with speed and conviction. The combination of delivery and culture transformation creates lasting benefits and supercharges our clients’ business.


At 11:FS, we’ll help you unleash your potential and do the most rewarding work of your career. Our purpose is to drive the next wave of accessible banking for all, and we are committed to building a diverse and inclusive team and culture.

Founders & Leaders

David M. Brear Photo

David M. Brear

Group CEO

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 financial services industry. 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.

Jason Bates Photo

Jason Bates

Deputy CEO & Head of Product

Jason works with our clients on creating and launching truly digital propositions and products. Jason previously co-founded Monzo and Starling, two new digital retail banks in the UK. There he led product and proposition, researching customer needs, leading design, recruiting a world class team, and defending regulatory submissions to the UK regulator. Jason has first-hand experience of creating next-generation fintech banks from scratch.

Ryan Wareham Photo

Ryan Wareham


Ryan is a delivery and operations specialist with over 16 years’ experience leading global teams to create digital products and services for some of the worlds biggest brands. As 11:FS’ COO he strikes the balance between accountability and autonomy to help us and our clients succeed while cultivating the freedom teams need to truly excel. Prior to joining 11:FS, Ryan led the delivery practice as Head of Production EMEA at R/GA.

Jo Wright Photo

Jo Wright

Chief Financial Officer (CFO)

Jo is the Chief Financial Officer (CFO) at 11:FS and a Non-Executive Director at London & Partners. She is a Chartered Accountant and has held executive finance leadership roles in media, technology, fintech and e-commerce firms, including Sky, Nickelodeon and Thought Machine. Jo holds an honours degree from the University of Birmingham in Accounting and Commerce, and is a member of the Institute of ICAEW.

Shaun Meadows Photo

Shaun Meadows


Shaun is 11:FS' Chairman, working with the Board to review company objectives, examine performance, and help shape future business activity and strategy. A highly effective senior marketing and commercial director, he brings a wealth of experience to 11:FS having held a number of senior executive and board positions at Aviva, where he was Marketing Director, Aviva GI UK, being at the forefront of the digital transformation of the business.

Eric Fulwiler Photo

Eric Fulwiler


Eric is the global CCO for 11:FS, overseeing commercial activities across the group. He is a veteran of the advertising industry, spending over a decade building some of the biggest brands in the world, including General Electric, PepsiCo, and Mastercard. He is a frequent speaker and thought leader on modern-day marketing, media, and all things growth. Previous to 11:FS he built out the UK and European business for Gary Vaynerchuk’s VaynerMedia.

What is Open Banking? | 11:FS Explores
Open Banking in the UK has generally been a success! Intended to spur competition and give consumers greater control over their banking information, the initiative relies on standardised APIs to help fintechs access customer data from CMA9 banks.


  • Team - success is a team sport
  • Communication - we all own our narrative
  • Attitude - we embrace our weird
  • Impact - we punch above our weight


  • Consultancy of the Year, British Bank Awards, 2020
  • UK Leading Management Consultants - Financial Services, Financial Times, 2020
  • Chambers and Partners, Band 1 FinTech Consulting Firm, 2020
  • Consultancy of the Year, British Bank Awards, 2019
  • The Top UK Companies to Work for Now, LinkedIn Top Startups, 2019
  • Top Startups - United Kingdom, LinkedIn Top Startups, 2018