At 11:FS, we don’t just talk digital - we make it happen. We're building truly digital financial services by partnering with bold teams to take them from market insights to real-world products. Whether you're an incumbent innovating or a startup breaking new ground, we bring the strategy, research, design, and delivery to make it real. Less talk, more impact. Proud winners of the British Bank Award for Consultancy of the Year - five times and counting. 👉 Learn more at ⁠ ⁠ -- Ever wanted to know what’s going on behind the scenes every time we make a payment? We break down what a payments rail actually is, the different types, and why achieving real time payments is so difficult. Watch the full series: #DecodingBanks #Banking #FinancialServices In association with Jack Henry Digital, the pioneer of personal digital banking, helping financial institutions strategically differentiate their digital offerings from megabanks, big techs, and fintechs. Find out more: -- For more, SUBSCRIBE to the 11:FS YouTube channel here: Connect with 11:FS: Website: Twitter: LinkedIn: Instagram: Podcasts: Content hub: