David Brear is the co-founder and CEO of 11:FS, a digital consultancy that has helped define the modern fintech playbook. With a background that includes digital leadership roles at Lloyds Bank, Aviva, and Gartner, Brear has positioned himself at the center of financial innovation in the UK and globally. 

At 11:FS, Brear leads a team that builds challenger bank platforms, consults for financial institutions, and produces widely followed fintech content. Their podcast ‘Fintech Insider’ is one of the most popular in the industry, featuring interviews with top leaders and analysis of breaking trends. Brear is known for his straight-talking style, often challenging the status quo in banking and advocating for customer-centric, agile technology solutions. 

His belief that ‘digital banking is only 1% finished’ has become a mantra among fintech professionals. He frequently speaks at international events, appears in media commentary, and mentors emerging fintech founders. Under his leadership, 11:FS has worked with major players including NatWest, Standard Chartered, and numerous startups. David’s influence stems from his ability to combine strategic vision with practical implementation, helping clients transform bold ideas into operational succes