All you need to know about new banking

Are you still wondering what a fintech is, what distinguishes it from traditional banking, what’s the benefit for the client? We have compiled all the key information you need to understand how the banking of the future works.


In recent months, 11Onze Magazine has published several articles about fintechs and new banking trends. The universe around these concepts is complex, but La Plaça has managed to bring us closer to notions of economics that we didn’t even know existed. We have compiled the key concepts about the fintech world to remind you of the foundations on which the so-called banking of the future is built.



The concept is made up of two key nouns: finance and technology. The result of this union is materialised in financial institutions that, through mobile applications or online operations, allow you to manage your personal finances at the click of a button. The range of products that fintech can offer is equal to or greater than that of traditional banks, from current accounts, cards or transfers, to investment products or credit operations. 


Technology at the service of people

In general, digitalisation seeks to facilitate the customer experience, and using artificial intelligence helps us to predict and organise personal finances. In the case of 11Onze, another equally important factor is added to this: empowering the user to offer them control of their finances, providing them with all the knowledge they need to make the decision that best suits their needs


Flexibility and agility

These are two of the indispensable requirements for banking customers. And they are also two basic pillars of the customer experience for fintechs. Technology facilitates part of this work thanks to a methodology that makes it very easy to operate with.


Personalised attention

But what if I am not proficient in new technologies, or if I need personalised advice? On this point, there is no uniform response from the sector, and it will be necessary to investigate what each entity offers in terms of user experience. In the case of 11Onze, our fintech goes beyond the screen to reach the user in the most personalised and approachable possible way. From chat to telephone support, customer service will be one-to-one. At 11Onze, we are going to set a rare precedent in the fintech sector. 


A world of possibilities

Fintechs are breaking down territorial boundaries to offer a financial platform that is almost global in scope. In the case of Europe, several widespread systems are appearing, such as SEPA (the Single Euro Payments Area), which allows transfers, direct debits and card payments to be made quickly and easily in any member country. Today, having current accounts in other member countries does not affect citizens when carrying out their daily transactions or contracts, as fintechs allow them to do so securely and by a single click.


Values and social commitment

It is a trend in almost all economic sectors: customer interest in companies with values is growing. Contributing to social development, being aware of and acting to curb environmental impact, or providing transparency on the destination of the income generated by a company, are some of the points that users value. The new banking system, the one that evolves from traditional banking, will have to take into account this commitment demanded by users If it wants to be the alternative and not limit itself to following in traditional banks’ footsteps.


If you want your business to make a giant leap, use 11Onze Business. Our business and freelancer account is now available. Find out more!

If you liked this article, we recommend you read:


First “round”

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“Everybody has a plan until they get punched in the mouth.”

Fintech vs Traditional Banks

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What Fintechs are, and how they differentiate from Banking.



3 min read

More and more companies are merging technology and finance.

Equip Editorial Equip Editorial
  1. Jordi MorenoJordi Moreno says:

    Moltes gràcies a l’equip d’11onze per tota la feinada i ben feta.

  2. Mercè ComasMercè Comas says:

    Mentre el canvi generacional va fent la seva feina, va molt bé que aneu repetint i o ampliant la informació sobre les Fintech.
    Hi ha una generació encara activa a la qual li convé perdre la por de no saber qui i on té els diners. Dono per fet que pensa que ho sap quan entra a una oficina bancària i toca una taula, tot i que no sigui veritat.

    • Lara de Castro says:

      La presencialitat sempre dona més confiança, pel simple fer de poder veure i toca la persona que t’està parlant. Nosaltres ho suplim amb projectes com “11Onze a casa” i el nostre compromís amb l’atenció al client. Que t’haig d’explicar a tu, Mercè. Gràcies!

      2 years ago
  3. Vicenç ClascàVicenç Clascà says:

    Cada dia tenim més ganes que arribi el 1-O.

  4. Joan Santacruz CarlúsJoan Santacruz Carlús says:
  5. Laura CarlúsLaura Carlús says:
  6. Faust CardielFaust Cardiel says:

    Això és el que necessitem, si senyor ✊

  7. J.Carles PlanasJ.Carles Planas says:
    Josep Carles

    Doncs farem el fintech

  8. Ricard Calvo VilanovaRicard Calvo Vilanova says:

    Important no perdre el contacta personal i telemàtic

    • Mireia Sitjà López says:

      Doncs sí Ricard, s’ha de poder combinar les dues coses , ens veiem per la Plaça!!

      3 years ago
  9. Josep RosJosep Ros says:

    L,Important és no perdre mai el tracte de persona a persona per les persones. Perquè ja sabem que l’important no és començar bé, sinó al llarg del temps seguir igual que al principi, O millor.Perque ja sabeu que tots tenim dubtes i ens agrada una atenció i solució en qualsevol moment, avui i d’aquí 3 anys.

    • Mireia Sitjà López says:

      totalment d´acord Josep , nosaltres som una comunitat feta per persones i volem ajudar a les persones , gràcies per la teva confiança!! Ens veiem per la Plaça

      3 years ago
  10. Miquel VendrellMiquel Vendrell says:

    Il·lusio personal i de pais !!!

  11. Jordi Grabolosa VilaJordi Grabolosa Vila says:

    Això pinta molt bé! moltes gràcies i enhorabona per la iniciativa!

  12. Joan Carles Negro RodríguezJoan Carles Negro Rodríguez says:
    Joan Carles

    Estic molt il·lusionat esperant l’1 d’octubre

  13. Josep RuaixJosep Ruaix says:
  14. Josep ColomerJosep Colomer says:

    Per fi, la banca que volia, valors ètics, bona tecnologia i totalment catalana fora de l’ abast d’ Espanya

  15. Jordi FerréJordi Ferré says:

    I si volem treure diners en efectiu d’un caixer, podrem fer-ho? Heu fet algun acord amb 4B o Caixers 6000?

    • James SeneJames Sene says:

      Dispondrem d’accés a tots els caixers i altres punts com ara benzineres, supermercats etc. L’accessibilitat al diner és un pilar d’11onze. I no deixarem els pobles sense accés fàcil com és el cas ara mateix.

      3 years ago
  16. Francesc Estafanell PujolFrancesc Estafanell Pujol says:
    Francesc de Borja

    Empoderament i agilitat en la gestió dos conceptes que m’interesen. Per això, ja faig cua.

  17. EduMC

    Més que una Fintech/Banc sembla un somni….

  18. alicia Coiduras Charlesalicia Coiduras Charles says:

    El fet de saber que es pot contactar amb un agent en un moment donat,dona tranquilitat

  19. Lluís UrpíLluís Urpí says:

    Encara em pregunto: per pagar a un comerç, a través de targeta, mòbil o altres, el comerç necessita un receptor o datàfon. Onze en disposarà? Onze cobrirà aquest servei al comerç?

  20. Joan Santacruz CarlúsJoan Santacruz Carlús says:

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