David M. Brear

David is a highly influential fintech expert with over 15 years of experience in spearheading digital innovation and transformation projects for leading global financial institutions. As CEO of 11:FS, a pioneering consultancy, he drives the development of ground-breaking strategies and new ventures across the UK, US, Europe, and Asia.

Under his leadership, 11:FS has introduced innovative products like 11:FS Pulse, a benchmarking tool for competitors, and 11:FS Foundry, a modern core banking system. David is also the voice behind FinTech Insider and InsurTech Insider, two leading fintech podcasts. He is dedicated to revolutionising financial services and believes that digital transformation in this sector is just beginning.

Previously at Lloyds Banking Group and Aviva, David led substantial digital initiatives and then managed Gartner’s Global Digital Banking practice. His founding of 11:FS and leadership in launching Natwest’s challenger bank Mettle as CEO showcase his ability to enable traditional banks to effectively counter fintech disruptors.