Digital financial services are only around 1 % finished . It is a bold claim . But then , 11 : FS and Group CEO David M . Brear aren ’ t afraid of being bold .

Brear appears on this month ’ s cover – the result of a fascinating discussion in which he gave context to his above statement and detailed 11 : FS ’ dedication to building the next generation digital propositions that challengers and incumbents need to – eventually – reach the 100 % mark . “ There are still large parts of the industry that are just fundamentally broken ,” he explains on page 30 , adding that “ for the amount of money and hours of development that is spent , we should be doing a lot better in serving customers .”

For Brear , that ‘ better ’ is a mixture of building the right culture , strong leadership , solid foundations and infrastructure on which to build and the right solutions . It ’ s a combination that has stood 11 : FS in good stead in the four years it has been active .

Naturally , innovation runs through this edition . Take PPI Benefits , for example , which is using digital technology to radically evolve the member benefit business model , or any of our other feature companies such as Healthcare of Ontario Pension Plan , Rapid7 , or SAVVI Finance .

A glance at any of these gives a great snapshot into the vibrant and fast-moving sector that we inhabit .

Enjoy this issue .

Matt High matthew . high @ bizclikmedia . com

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