Jason Bates

Jason Bates – A Pioneer in Fintech and Digital Banking

Jason Bates is a renowned fintech entrepreneur, keynote speaker and digital transformation expert who has played a defining role in reshaping modern banking. As co-founder of Monzo and Starling Bank, two of the UK's most influential challenger banks, he has helped demonstrate how technology, customer-centric design and innovative thinking can transform an established industry.

With extensive experience building digital banks from the ground up, Jason understands the challenges of turning ambitious ideas into successful financial products. His work has helped redefine customer expectations, demonstrating how intuitive mobile-first banking experiences can make managing money simpler, more accessible and more engaging for millions of users.

Today, Jason Bates shares his experience with organizations seeking to navigate disruption, embrace innovation and rethink how they deliver value. His keynotes provide an inside perspective on the decisions, challenges and opportunities involved in creating businesses that challenge traditional industry models.

From Monzo and Starling to 11:FS

Jason Bates' entrepreneurial journey includes co-founding Monzo and Starling Bank, two companies that helped accelerate the shift towards digital-first banking in the UK. Building these challenger banks required a fresh approach to product development, technology, regulation and customer experience.

From assembling talented teams to navigating complex financial regulations and launching award-winning banking apps, Jason gained invaluable experience in bringing ambitious digital products to market. His approach combines startup agility with a clear understanding of what customers need from financial services.

As co-founder, Deputy CEO and Chief Product Officer at 11:FS, Jason continues to influence the future of financial services. Through the company, he advises leading global banks, insurers and corporations on digital transformation, financial innovation and customer-focused product development.

His work at 11:FS gives him a valuable perspective on the opportunities facing established financial institutions as they respond to changing customer expectations, emerging technologies and increasing competition from digital challengers.

Digital Transformation That Delivers Results

For Jason Bates, successful digital transformation begins with understanding customers and challenging established ways of working. Having helped build digital banks from scratch, he knows what it takes to move beyond legacy systems and traditional thinking to create products that deliver meaningful value.

His keynotes explore how organizations can apply the principles of agile development, user-first design and entrepreneurial leadership to accelerate innovation. Drawing on his experience with both disruptive startups and established financial institutions, Jason makes complex challenges accessible and relevant to business leaders across industries.

He addresses the practical realities of transformation, from overcoming organizational resistance and navigating regulation to building effective teams and creating the conditions for sustainable growth.

Rather than focusing on technology for its own sake, Jason encourages businesses to consider how digital innovation can improve customer experiences, strengthen competitiveness and create new opportunities.

Innovation, Leadership and the Future of Finance

Jason Bates brings a distinctive perspective to conversations about the future of banking, fintech innovation and business leadership. His experience launching challenger banks and advising global financial organizations allows him to connect entrepreneurial thinking with the challenges faced by established businesses.

His presentations explore several important themes:

• Fintech innovation: Understanding how challenger banks disrupt traditional financial services and what established organizations can learn from their success.
• Digital transformation: Developing practical approaches to modernizing products, processes and customer experiences.
• Customer-centric product design: Creating intuitive, mobile-first financial solutions that respond to real customer needs.
• Agile leadership: Building high-performing teams that can innovate quickly, adapt to change and deliver results.
• Business disruption: Challenging legacy thinking and identifying opportunities for growth in rapidly evolving markets.

Through real-world examples and lessons from his own entrepreneurial journey, Jason demonstrates how organizations can turn innovation into tangible business outcomes.

His insights are particularly relevant for financial institutions, technology companies, corporate innovators and leaders responsible for shaping digital strategy.

Book Jason Bates for Your Next Event

Booking Jason Bates as a keynote speaker gives your audience access to the experience of someone who has helped build some of the most influential businesses in modern digital banking.

His presentations combine strategic thinking with practical lessons from co-founding Monzo and Starling Bank and helping global organizations transform through 11:FS. Jason brings clarity to complex subjects, offering fresh perspectives on innovation, leadership and the changing financial landscape.

Whether your event focuses on fintech, digital transformation, customer experience, entrepreneurship or the future of business, Jason delivers insights that encourage audiences to question conventional approaches and explore new possibilities.

For executives navigating disruption, product teams developing digital solutions and organizations looking to accelerate innovation, his keynotes offer valuable inspiration grounded in firsthand experience.

Book Jason Bates for your next conference, corporate event or leadership summit to discover what it takes to build customer-focused products, embrace digital change and create businesses ready for the future.