David Brear is the co-founder and CEO of 11:FS, the consultancy and venture builder reshaping how financial services think about digital. Known for his mantra that “banking is only 1% finished,” David is one of the most recognized voices in fintech, helping institutions reimagine products, services, and customer experience for a digital-first world.

David shares the story of leaving corporate life to start 11:FS at the height of the FinTech boom, bootstrapping the company, and building a multi-disciplinary business spanning consulting, product development, and media. The conversation dives into the challenges of scaling a startup while maintaining agility, why content and thought leadership became a growth engine for their early business, and how they use podcasts and storytelling to punch above their weight against incumbents like Deloitte and McKinsey.

Listeners will gain insight into:

The mindset shift from corporate to founder life

Bootstrapping versus raising capital and funding growth organically

Building a company culture based on empowerment and action

How content marketing and podcasting can become a powerful go-to-market strategy

The future of FinTech and why digital banking is “only 1% done”

This episode is perfect for founders, sales leaders, and anyone in financial services looking to understand how to scale a business, create an authentic brand voice, and build meaningful relationships with clients in a changing industry.