David Brear, co-founder and chief executive officer of 11:FS, talks to Open Banking Expo’s Ellie Duncan about the 11:FS Pulse Report 2023, which identifies the best examples of outstanding product experiences in financial services. David reveals why the sector needs to rethink the customer journey, from a digital perspective, to create a service that makes people better off. He also discusses the rise of super-apps – what it takes to become one, and why they are an “operating system for people’s lives”. Finally, David reveals what excites him the most about the future of fintech and financial services in supporting the “underserved, overcharged and overwhelmed”.