11Onze, a model of a community fintech

Raul Arribas, Chief Technology Officer of 11Onze, highlights in an interview for Fintech Talents the radical change in the fintech model compared to traditional banking. The 11Onze executive will repeat as a speaker in a session focused on crypto-assets as part of a new event on embedded finance organised by Fintech Talents.


“There is no better way to get to know your customers than to address them in a specific community”, says Raul Arribas, Chief Technology Officer (CTO) of 11Onze about the model of this fintech aimed at Catalans, in an interview during the FTT Embedded Finance & Super-Apps 2022. Arribas was one of the speakers at this event organised a few weeks ago by Fintech Talents, a platform that brings together more than 200,000 professionals and entrepreneurs from the fintech ecosystem.

The CTO of 11Onze highlighted the commitment of the community of users of La Plaça, which “is everything for us”, and emphasised the role of financial education so that each customer can choose the most appropriate products according to their circumstances. On the 11Onze model, Raul Arribas added that “it tries to be very close to its users to really understand their needs, so that we can create products and services that are especially good for them, not just for us”.


A revolutionary change of model

Arribas remarked this fintech represents a radical change of model with respect to traditional banking, which “in the last 10 or 20 years has broken the trust of many customers” because they have not thought about the users when trying to sell certain products, but rather about the bank’s profits. In contrast, 11Onze’s model, as Arribas explains, is based giving knowledge to its customers so that they know which of the products offered by the fintech through its super-app fit their needs.

“It is very refreshing” for customers to go from a situation in which they see the products offered by traditional banks as “a trap” to “having an institution that works completely the other way around”, which does not try to shoehorn them into products, but instead has a series of good products and simply asks the customer to “come and choose the ones that are right for you”, Arribas explains.



The FTT Embedded Finance & Super-Apps 2022 debates and presentations in London brought together the major players in retail banking, fintechs, insurers and technology companies to analyse a potential market of seven trillion dollars, that of embedded finance.

Raul Arribas participated in one of the sessions of the strategy track, focusing on the so-called “super apps”, which are redefining financial services. The same session was attended by representatives of a giant such as JPMorgan Chase, which provided the perspective of traditional banking; Ziglu, which offered the vision of a neobank; Paysme, a fintech focused on services to SMEs; and Marqeta, which moderated the session.

The CTO of 11Onze will also be one of the speakers at FTT DeFi 2022, a new event on embedded finance to be held on 12 July in London and once again organised by Fintech Talents. Specifically, Raul Arribas will participate in a session on crypto´-assets together with representatives from IOTA Foundation, Fiat Republic and CryptoSimple. Participants will discuss new forms of financing through asset tokenisation, stablecoins and blockchain infrastructure to drive the adoption of digital assets.


11Onze is the community fintech of Catalonia. Open an account by downloading the super app El Canut for Android or iOS and join the revolution!

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  1. Daniela SimónDaniela Simón says:


  2. Joan Santacruz CarlúsJoan Santacruz Carlús says:
  3. Mercè ComasMercè Comas says:

    No estan al meu abast les noves i futures tecnologies, però gaudeixo al sentir “the
    catalan people” i “La Plaça” Gràcies Raul.!

    • Jordi CollJordi Coll says:

      Tens raó, un orgull… Moltes gràcies pel teu comentari, Mercè!!!

      2 years ago
  4. Jesus Manuel Nuňez TizadoJesus Manuel Nuňez Tizado says:
    Jesus Manuel

    Molt bé

  5. Manuel Bullich BuenoManuel Bullich Bueno says:
  6. Jordi FerréJordi Ferré says:

    Veig que sempre poseu els noms dels carrecs en anglès. No podeu posar-los en català?

  7. Carles MarsalCarles Marsal says:

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