David M. Brear is the Co-Founder and CEO at 11:FS. David has been immersed in the technology of financial services for as long as he’s been working and is consistently voted one of the most influential people in Banking, Insurance and Fintech by banks, his peers and a number of industry bodies. His CV takes in senior roles at banks, insurers, research and analysis firms and consultancies. He spends his time these days helping banks, insurers, regulators and governments be better and has established 11:FS, along with other industry household names, to become a truly subject matter expert led source of benchmarking, research, advice and investment for banks and FinTech. Every week, David also co-hosts the leading industry podcast 11:FS Fintech Insider, listened to in over 152 countries.