What if banks weren’t built in the 1800s? What if we could start again?David Brear, CEO and founder of 11:FS joins Founders & Builders to unpack what it really means to build digital financial services from scratch—and why most of what exists today is just a “digital facade.”David shares: • The origin story of 11:FS and how they scaled globally • How he spots broken systems ripe for disruption • His lessons on building products that actually matter • Why most corporate innovation labs are failing • The real traits that define world-class founders and teamsWhether you’re a startup founder, product leader, or just fascinated by how financial systems can be reimagined, this episode will shift how you think about building.