Are we ready for the shift to a digital world?

The acceleration of digitalisation, precipitated by the pandemic, has only confirmed the inevitability of the digital transformation of our society. A technological revolution that has changed the way we work, shop, study and communicate, but which calls into question aspects linked to personal relationships.


In an interconnected world where the Internet, social networks and telematic tools have radically changed the way we communicate, we have become accustomed to talking in front of a screen, resolving the most trivial matters of our daily lives while sitting on the sofa, shopping from bed and working in our pyjamas.

Electronic communication has increased the ability of people to interact with each other and allows us to achieve unprecedented productivity and efficiency, both at the corporate and individual levels. The rise of teleworking has meant a positive change for many people, especially for those who have experienced an improved work-life balance. Also, for digital natives who have become digital nomads who have made the world their office.

The normalisation of the coexistence between people and artificial intelligence has allowed us to streamline interactions with the administration, digital commerce establishments and financial institutions. It is no longer necessary to queue at a physical branch of a bank, an insurance company, or the Job Center, we can do practically all the formalities from our mobile phones. Likewise, many new jobs have emerged based on digital technologies that were unthinkable only a few years ago.


The importance of physical interaction

Despite the undeniable progress that the digital transformation of our society has brought about, the reality of this revolution is not as idyllic as some would like to portray it. The physical absence, intrinsic to the digital world, presents challenges in terms of empathy between people accustomed to the anonymity of virtual spaces, personal interactions between employees, or the digital divide between the most vulnerable people and the rest of society.

The digital transformation has meant that the boundaries between the physical and digital worlds are becoming increasingly blurred. And, if we already have difficulties adapting to this paradigm shift, the boom of the metaverse, the Internet of Things, NFTs and artificial intelligence will bring us even closer to a semi-immersive virtual reality, which will leave a significant part of the population ‘out of the game’.

In this context, the need to comprehensively address the socio-technological changes that are defining and laying the foundations of the society of the future becomes evident. Not only to ensure that technology remains a positive force for progress, but also to prevent part of society from being left behind, or that immersion in the digital world castrates the essence of what defines us as people.


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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With the evolution of digitalisation and technologies such as blockchain and artificial intelligence, the advertising and marketing industry has created new disciplines, products and services such as programmatic advertising.


This is a type of online advertising that refers to an automated purchase of advertising space and audiences on the internet. It connects a brand to the user with a relevant ad, at the right ‘digital’ time and place. As the transformation and digitisation of media is spreading to almost all media, programmatic advertising can facilitate brand advertising in digital newspapers as well as on digitised TV or radio, and even digitised outdoor media.

It is a form of advertising called ‘display’, which allows the advertiser to access a series of advertising spaces, called inventory, and does so through on-demand technology platforms on websites or digitised spaces. Programmatic buying allows advertisers to connect their brand with the target audience they want, at the time they want, and in the geographic location of their choice. It is a discipline of our time, born to streamline the visibility and connection of brands and their campaigns with their current and potential customers.


The growth of programmatic advertising

In the midst of the digital era, in which advertising investment for user acquisition happens through digital media, 70% of this investment corresponds to programmatic buying, according to the report on Investment in Digital Media published by IAB.  

Spending on programmatic advertising in 2021, according to Statista, was over $150 billion, and this industry doubles in size every 4 years, expected to grow at 35% annually until 2025. This makes programmatic advertising one of the most active industries.


How it works

Big Data and artificial intelligence are used to select and segment the audience. Once the audience has been segmented, media related to the audience is selected and the advertising campaign that is directed to the selected target audience is activated. 

Programmatic buying is a way of buying online advertising space in an automated way. This purchase can be made on different media and websites from the same control panel by searching for specific audiences and users to impact at exact times.


In short:

  1. Every time a user arrives at a website related to programmatic advertising, the automated advertising process is activated so that the advertising starts. 
  2. The website owner puts the ad impression up for auction.
  3. Advertisers then bid for the impression, for the visibility of the ad.  It should be noted that this process occurs in real-time, which is why some refer to programmatic advertising as real-time bidding.
  4. The highest bidder, the advertiser with the highest bid, wins the ad impression.
  5. The ad appears on the user’s website
  6. The user can click to visit the page and/or convert.

Advantages of programmatic advertising


Segmentation by users and personalised messages

With Big Data we can get to know users in a much broader way in terms of characteristics, uses or type of online purchase. This data helps us to carry out a greater segmentation of users that allows us to better reach our target audience.

In addition, segmentation facilitates better communication with our target audience and increases the precision in the creation of a campaign.

On the other hand, geolocation is one of the most widely used criteria, as it offers the possibility of offering the ideal product or service to the user, at the moment they are looking for it, in a personalised way. Various messages can be designed according to the profile of the audience. 


Automation and agility in the buying process

Programmatic advertising is carried out in an automated way. Programmatic buying is driven through a combination of three platforms, which together offer a complete service: Ad Exchange, DSPs and SSPs. 



Thanks to programmatic advertising platforms, we can reach a user anywhere in the world. This is due to the breadth of supply and demand in programmatic advertising in a globalised market. The variety of advertising supports, and media, in which the different services can be offered, increases the offer of this type of advertising. The reach is greater. 


Measuring results and optimisation

Data abounds in programmatic campaigns, and for advertisers this is of great value. Measuring this data offers the possibility to see what is working and what is not, and to optimise. 

We are talking about campaigns that can be modified in real-time, so the time in which you can react is almost immediate. 


Reasons to run programmatic advertising campaigns:


Automation and agility in the process of buying, planning and management of advertising space 

Programmatic advertising allows you to manage campaigns quickly and efficiently. This type of advertising eliminates the intermediaries in the process of buying and selling advertising space. The ads are automatically published according to the settings you have managed for your digital advertising campaign. You only have to decide the duration of the campaign, the media in which to appear and the budget.


Transparency and control

Programmatic advertising is transparent and allows you to know all the data of the advertising campaign from the moment the action is launched until it ends. 


Real-time measurement

Does the campaign work, and is there any data that can be modified to implement its reach? Programmatic advertising is measurable and quantifiable in real-time. 



Knowing who we want to target with an advertising campaign is essential. Programmatic advertising offers a wide range of personalisation options: by gender, tastes, age, media or geolocation, among others. Focusing impacts on geolocation is essential to reach your target audience.


Return on advertising investment

Programmatic advertising uses the pay-per-impression method (CPM: cost per thousand impressions). And every time a user visits a website or app, their ad space is automatically auctioned. This way, the ads will appear in front of your potential customers, on the websites you decide and in the selected time range. 


Positioning and reach

Another benefit of this type of advertising is its wide audience reach. On the Internet there are more than 4 million people connected daily and among all these users are your potential customers. The good thing about advertising on the net is the possibility of placing a brand, product or service in the minds of consumers. And one of the most used strategies is retargeting, which consists of re-engaging those users who have already visited your website through personalised messages and advertisements. 


Adaptability to devices

Programmatic advertising has a responsive design, so that ads will adapt to the different devices of the audience of your campaign. 

Did you know that has recently won an award for the best responsive website? A Laus.


From June 2022, 11Onze District, the advertising and marketing agency of 11Onze, can carry out programmatic advertising campaigns for partner brands of 11Onze. Do you want to advertise anywhere in the world or in any city or town? 

Contact us at: [email protected]

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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We present a collection of the 11 best TikTok profiles made in Catalan. These young people have gained popularity on the trending social network by making videos in Catalan.


When we hear the word TikTok, the trending app born in China in September 2016 that allows us to make short music videos of up to 1 minute, many think that this platform is only dedicated to dancing, fashion, makeup, and fun. However, it brings us Catalans something more. Its use, in the hands of some young people, young influencers, has become a great tool for spreading and promoting Catalan. Today we want to let you know what we can consider the top eleven TikTokers which promote Catalan. Let’s get started!

  1. ferranxidk: Ferran, who lives between Girona and Barcelona, is a guy who makes funny videos, has more than 70,000 followers and accumulates more than 9 million likes on TikTok.
  2. long_lixue: This other well-known Catalan YouTuber, who lives in Girona and has Chinese nationality, also succeeds at TikTok. Well known for collaborating on iCat, he is also famous for fighting racism with millions of likes to his TikTok profile. 
  3. sanyesmag: This young man from La Garrotxa is famous for his magic videos. He has more than 27,000 followers and half a million likes on TikTok. He is a strong promoter of Catalan through this social network.
  4. walter_capdevila: with nearly 200,000 followers and 5 million likes on the net, we could proclaim this Barcelonan the king of absurd humour. His TikTok profile is a guarantee of laughter.
  5. misstagless: here we have Sílvia, with 10,000 followers and more than 150,000 likes on TikTok. This Valencian fights for the use and defence of Valencian, playing with home-made humour and a lot of personality. 
  6. filologa_de_guardia: this student of Catalan Philology is called Aida. Her TikTok profile has more than 5,000 followers and almost 50,000 likes. These will be your new Catalan online lessons!
  7. apitxat: here we have Xavier, with almost 50,000 followers and a million likes. He is another activist for the Valencian lands. You’ll have plenty of jokes and humour in Valencian.
  8. Can Putades: these girls are from La Garrotxa and live in Barcelona. They have 40,000 followers and almost 1 million likes. Their videos raise unknown words in Catalan from the Garrotxa region, among other funny videos of jokes from their day to day, without ceasing to have Catalan as the basis of their TikTok profile.
  9. Aroagr8: here we have Aroa and Paula, with 15,000 followers and over 130,000 likes. Famous from confinement, these two girls play with words according to their region, one in Girona and the other in Amposta. Listening to Catalan had never been so curious.
  10. Bertaarocach: if you prefer a Catalan profile that sticks for its energy and its typical teenager performances that you will want to see time and time again, here is Berta. A profile with more than 100,000 followers and 4 million likes
  11. Julen_gs: as we are in the summer, and with the sun we feel like dancing, we say goodbye with Julen’s profile. He makes some superb versions of well-known songs, playing with Txarango’s music, or doing a mix of Plats Bruts with music from the Friends show. He has about 10,000 followers and almost 90,000 likes on TikTok.

The previous TikTok profiles have thousands of followers on the trending social network, and best of all, they have gained popularity by showing themselves to the world in Catalan.


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We compile a list of the main apps for selling or buying all kinds of second-hand products. The sustainable trend of buying second-hand products is here to stay.


The world is constantly evolving, at the same time as people’s way of consuming is also changing. This is the origin of the Recommerce trend: the sale of second-hand goods, based on the circular economy: Reduce, reuse and recycle. This means that by reducing the consumption of new products, people save money while minimising their environmental impact. This predisposition to buy second-hand products has become widespread among people concerned about sustainability, and their responsibility when it comes to consuming goes beyond looking for the cheapest product. Today we would like to invite you to discover the world of recommerce, with different apps where you can find all kinds of second-hand products, from bicycles, clothes and cars to technological products. Welcome to the new era of a sustainable economy:

  • Backmarket: This app is making a lot of noise online. With this app you can buy professionally reconditioned technology products at discounts of up to 70% off their original price. Smartphones, computer devices, televisions, cameras, drones, small household appliances. The application also acts as a guarantee, as well as a connector between sellers and customers.
  • Letgo: Application to sell everything you no longer need, or to buy what you want, in a very simple and convenient way. The difference between this app and the others for buying and selling second-hand items is that this app has image recognition and artificial intelligence to be able to tag and catalogue the items for sale. In this app you can sell and buy books, cars, sports equipment, fashion, household items…
  • Wallapop: This is undoubtedly the app par excellence for buying and selling second-hand products, with more than 15 million users. It is also similar to Letgo, where you can buy all kinds of products. A meeting point between sellers and buyers, where, through a conversation, the sale and purchase of the product is formalised.
  • Coches: In this app you can buy and sell second-hand cars, pre-registered new cars, and even new cars. More than half of the vehicles on sale offer a guarantee, and you can find motorhomes, vans or even cars for which you don’t need a driving license. In short, the leading motoring app.
  • Vinted: A community for selling second-hand clothes, through videos or images uploaded by sellers to offer their clothes. A sustainable and fun way, both to make some room in our wardrobe and also to renew it.
  • Milanuncios: Classified as one of the most veteran, this application never goes out of fashion. With a simple design, since its creation in 2005 it has always managed to stay at the forefront of classified ads. Here you can find everything from jobs, clothes, and furniture, to renting and selling flats…
  • Bkie: With cycling so fashionable, you couldn’t miss an app for buying and selling bikes and cycling products. A buying and selling application like any other, but with the particularity that it is focused on the cycling community.

We hope you liked the concept of recommerce, followed by the apps we have suggested. And don’t hesitate to put into practice the three R’s of the circular economy: Reduce, Reuse and Recycle, also in your purchases.


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Digital Banking is a term that refers to the digitisation of all traditional activities and services of analogue banking, which in the past were only accessible to customers when they moved to a branch. A process of change that has been going on for years, but which has accelerated enormously in recent years, mainly due to the generational change that the market is undergoing.


Every year the millennial generation is achieving higher levels of consumption of financial products, and today they are already the generation that consumes the most. Therefore, the market has had to adapt progressively to the differentiated needs and preferences of millennials, who demand agility, speed and accessibility. The achievement of this digitalization process is creating new opportunities for financial institutions and, above all, for society, allowing to directly reach people living in all kinds of different realities and situations.


Digital banking and online banking: are they the same?

As a starting point, there is a fundamental difference between the terms digital banking and online banking that should be distinguished. Online banking refers to the evolution that many traditional financial institutions have made towards the online world: it is a digitisation process that focuses on offering online certain basic services and products from their catalogue, such as money transfers or the basic management of current accounts. For other matters, however, it is still necessary to go to the branch.

Digital banking, on the other hand, refers to the intention of offering all the activities and services of traditional banking, but transferring them to the digital environment in order to reach the consumer directly, reducing intermediaries to a minimum and streamlining the entire process. Thus, apart from being able to make transfers or control the movements of our account, we can also apply for a loan or apply for a mortgage without having to go to the bank offices.

The transition from analogue to digital banking

In the beginning, banking was entirely analogue. It offered such basic services as transfers, management of current accounts, checks and promissory notes, credit or debit cards, cash withdrawals and deposits, loans and mortgages. It was, however, necessary to go to the branch to carry out most of the transactions.

Later, especially from the 2000s onwards, new ways of managing financial transactions without having to go to a bank branch in person began to appear: online banking was born. This gradually allowed greater use of online commerce, although at that time it was still somewhat rudimentary, and had not yet become fully popular among the general population. It was at this time that payment methods such as PayPal were born, in response to a new consumer need that had not existed until then: being able to securely pay an unknown trader for an online product.

In 2010, however, the unexpected success of the first iPhone and smartphone models pushed society towards a new innovation: mobile banking. The currently well-known applications or apps began to be designed by traditional banks, with the aim of being able to have access to the banking services of our lifelong bank from the palm of the hand. This new technological revolution also allowed the appearance of contactless payments, making life easier for millions of people.

Finally, the massive use and popularization in broad segments of society, not only in millennials and young people but in the vast majority of adults and older people, has recently led to the creation and popularization of digital banking, with the most visible face being neobanks. Thus, with these new Fintech and applications that have nothing to do with those of the past, you can navigate and request any of the traditional financial services quickly and intuitively, reducing information barriers for consumers.


The rise of neobanks

In recent years, neobanks have led the digitization of financial services, taking full advantage of their digital capabilities: leveraging online platforms and data analytics to generate social interaction, providing cards instantly, offering personalized information and assistance to customers, etc.

At the beginning, they were aimed primarily at a digital native audience, such as generation Z and millennials, but little by little they have been attracting many other more diverse segments of the population and from different fields. This has been thanks to two main factors. Firstly, the cost reduction they have been able to offer in their services thanks to the lack of offices, as opposed to traditional banking, which has to pay very high rents and usually suffers from many cost overruns.

On the other hand, it is also due to the effect that the Covid-19 pandemic has had on many older consumers, as they have wanted to find a way to be able to continue carrying out their usual financial activities without having to leave home, and it is precisely in this area where neobanks have a comparative advantage over other financial institutions, since they move like fish in water in the digital area and have much more experience.


Direct banking: reaching the whole society

The popularization of these digital services has led to the emergence of the concept of direct banking: the possibility and the will to reach all customers, wherever they are and whatever their segment. New products and services can be offered to specific customer segments without suffering from geographical limitations. It is possible to reach consumers of different educational levels, of different economic incomes, personalized attention can be given to millions of people who otherwise would have no one to turn to, or to whom the traditional entities might not serve in the desired way due to physical limitations.

It is, in short, in an increasingly fast and interconnected world where the combination of current technology with new preferences for agility and accessibility allows neobanks and digital banking to put customers at the center.


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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Els mitjans de pagament digitals, les criptomonedes, les divises digitals impulsades pels propis bancs centrals… Tot plegat està arraconant cada cop més els diners físics com a eina d’intercanvi de béns i serveis. T’oferim algunes claus de com està canviant el sistema monetari internacional.


La covid-19 va fer que l’any 2020 les targetes desbanquessin per primera vegada l’efectiu com a mitjà de pagament preferit pels ciutadans a molts països. Al Regne Unit, per exemple, l’ús de l’efectiu es va reduir a la meitat.

El sistema monetari està en ple procés de transformació amb la irrupció de les criptomonedes i fins i tot la creació de monedes digitals impulsades pels propis bancs centrals. En aquest context, la moneda física sembla tenir els dies comptats.

Tot i que els diners en efectiu es resisteixen a deixar de ser la principal eina per comprar i vendre, es calcula que actualment els diner físics només suposen entre un 5 % i un 8 % de tots els diners que existeixen nominalment al planeta. En pocs anys els mercats financers s’han omplert de nous productes, divises i actius de tota mena. 

De la mateixa manera que les primeres monedes encunyades pels orfebres van canviar els sistemes econòmics de les societats antigues, els diners electrònics canviaran l’economia tal i com la coneixem avui. Com explica l’agent d’11Onze Laura Bunyol, en aquesta nova etapa de la globalització, sembla que “el sistema vol fer canvis estructurals”.

Cap a les divises digitals

La popularització d’Internet i la telefonia mòbil juntament amb l’auge de les criptodivises ens empenyen cap a un món de diners digitals que suposaran “la mort del diner físic”. De fet, com explica Laura Bunyol, l’any 2019 el llavors governador del Banc d’Anglaterra “ja va plantejar la creació d’una moneda digital global, recolzada per diversos bancs centrals”, que substituís el dòlar com a moneda de referència mundial.

Suècia ja compta amb una e-corona en fase de proves, que s’utilitza per a algunes transaccions. I tant als Estats Units com a Europa s’estan realitzant estudis relacionats amb la implementació de les monedes digitals. De fet, ja existeix el projecte d’un euro digital, com expliquem a l’article “L’euro digital, el final dels diners físics?”.

Encara existeixen moltes incògnites sobre com seran les divises digitals, però sembla que, com les criptomonedes, també es basaran en la cadena de blocs o ‘blockchain’ per garantir-ne la seguretat. De tota manera, el xifratge dels seus codis no serà dissenyat per quedar fora de la vigilància dels bancs centrals. I sembla que serà un recurs útil per als governs per acabar amb l’economia submergida.


El paper dels bancs centrals

Els bancs centrals no poden obviar la progressió de les criptomonedes, així que s’han d’adaptar als nous temps o perdran els seu sentit i “a la llarga deixarien d’existir”, com apunta Laura Bunyol. Els Estats no es poden permetre el luxe de perdre el control de les polítiques monetàries.

De fet, el sistema financer tradicional s’està esforçant de valent per regular i incorporar les criptodivises a la seva lògica de funcionament. L’’establishment’ sap que, de no fer-ho, corre el risc d’acabar arraconat en el panorama econòmic mundial.

Tot apunta que, com indica Bunyol, és probable que en un futur no gaire llunyà haguem de buscar fòrmules alternatives al cara o creu o l’actual sistema de desbloqueig dels carros dels supermercats.


11Onze és la fintech comunitària de Catalunya. Obre un compte descarregant la super app El Canut per Android o iOS. Uneix-te a la revolució!

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Want to discover interesting content on Twitch? We recommend 11 channels in Catalan that you can find on the trendy social network. They have gained popularity by talking to us about all kinds of topics, not just video games.


Twitch is an increasingly relevant social network in the world, and Catalonia is no exception. The spontaneity of live-streaming attracts a growing number of followers. Although video game channels are generally the ones with the largest audiences, there is room for a wide range of content. From 11Onze, we present 11 proposals to enjoy this social network in Catalan.



Norman López is one of the most popular streamers in Catalan, with nearly 10,000 followers. He produces video game content in general, although he focuses mainly on racing simulators. He likes humour and doesn’t shy away from controversy, as he declares himself a fan of Spanish omelette without onions and says he prefers winter to summer.



After a period of inactivity on Twitch, LauzetaFolk have returned with their violin and guitar to offer folk music and good vibes from Lleida to their 7,500 followers. Joan and Núria, a couple of musicians who have been playing together since 2010, joined this social network in March 2020.



Almost 2,000 people follow this paid channel, which focuses mainly on manga, anime and ‘Dragon Ball’. In his live shows, MagoriArt usually draws while he chats with his guests. La noche friki’ features Catalan dubbing actors. For example, Victòria Pagès, who had played the character of Nets in Club Super 3, recently took part.



Jacint Casademont’s channel offers podcasts, talk shows and interviews, with sections such as ‘Terrors nocturns’ to discuss scary topics and ‘Enigmes pendents’ to talk about crimes. It already has 1,400 followers.



Cooking channel where the idea is to have a good time while Ed Caballer prepares food and talks about everything: series, games, current affairs, politics… Cooking is the way for its nearly 1,000 followers to have a good time and learn to defend themselves in front of the cooker. Enjoy!



A Catalan channel about manga, anime and Japanese culture with a stream almost every week. You’ll find talks, interviews, analyses, specials, raffles… More than 900 people already follow it.



The channel of xEikNaga and his friends, which already has more than 700 followers, appeals to the most creative spirits. Models, crafts and various creations for those who like to do it all themselves. There’s a live model-making event on the weekend mornings.



Almost every day, Jaume Fibla, better known as Jau on Twitch, offers “musical numbers with a geeky touch”, as he himself acknowledges, and interviews. His channel includes everything from very free interpretations of songs translated into Catalan to commentaries on culture, cinema and video games. He already has almost 700 followers.



Enric Bautista, who lives in England, escapes from Brexit by playing his acoustic guitar and singing in Catalan. And, from time to time, interviewing a guest. You can enjoy his music and commentaries every Monday, Wednesday and Saturday night. He already has more than 600 followers.



From Monday to Friday, this actor, journalist and scriptwriter wakes up his nearly 500 followers every morning at 8am with the programme ‘Quiquiriquic’. Carles interacts with the audience openly.



The latest news from the world of rallying analysed in Catalan by Nacho Mateo, Eduard Bota, Aitor Domingo, David Rovira and their collaborators. The channel doesn’t slack off and already has more than 400 followers.

Do you know any Twitch channel in Catalan that we shouldn’t miss? Add it in the comments.


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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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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Just as fintechs have provoked a paradigm shift in the banking sector, insurance startups are revolutionising the insurance market, embracing the power of new technologies to offer more customer-centric services and products at more affordable prices than traditional insurance companies. Jordi Sánchez, head of the product team at 11Onze, explains what insurtechs are and how they work.


The unstoppable process of digitalisation is spreading rapidly to all sectors and has also reached the insurance business. The term insurtech comes from the conjunction of ‘insurance’ and ‘technology’. As Sánchez points out, “it is the fusion between the insurance sector and technological innovation strategies”, and continues, “it refers to all those insurance companies, both traditional and startups, that make use of information technology to generate solutions and new ways of offering their services and products to customers”.

They enter the market with a new value proposition focused on the convenience of interacting digitally, being more agile, and offering a better user experience. Unlike traditional companies, they concentrate their operations exclusively on electronic channels and are based on the use of new technologies from the outset. As the head of the product team explains, “IT techniques such as ‘machine learning’ and the use of ‘big data’ make it possible to create totally personalised products according to the needs of each individual or company”.

A change led by new generations

Digital natives, a term generally applied to all those who have been born and raised surrounded by the Internet, computers, and mobile phones, are spearheading a major change in the mentality of consumers, including insurance consumers.

New emerging business models, such as those based on social networks, the sharing economy, or personal branding, create needs that require more flexibility, agility, and less paperwork, challenges to which traditional insurance companies cannot always provide an adequate response.

Although no one can predict exactly what the insurance sector will be like in the future, there is no doubt that the traditional insurance sector has to adapt to the new trends based on digital technologies, formulating a strategy to develop attractive services, streamlining processes and reducing costs, if they do not want to be left behind in the face of a revolution that seems unstoppable.


If you want to discover fair insurance for your home and for society, check 11Onze Segurs.

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Quantum computers could kill off traditional cryptocurrencies within a few years. Cryptocurrency transactions are impossible to hack with conventional computers, but they could soon be exposed to the processing power of quantum computers.


Most cryptocurrencies, including bitcoin, are blockchain-based, an encrypted data chain maintained by a network of tens of thousands of computers. All bitcoin mining, buying and selling operations have to be validated by 51% of the computers in this network.

That is why it is such a secure system: with conventional computers, no hacker has enough computing power to hack or replace 51% of the computers in a blockchain network. They would need “thousands of years”, Canudas explains.

However, this could change with the progression of quantum computers, which have already reached “private hands”, according to this 11Onze agent. In 2019, for example, Sycamore was presented, a 54-qubit quantum computer capable of performing in 200 seconds a calculation for which the most powerful traditional computer of the moment would need 10,000 years. Eagle, a quantum computer with more computing power than all conventional computers combined, was also recently made public.

What about trying with quantum computers?

National University of Singapore researcher Divesh Aggarwal predicted that quantum computers would be able to decrypt bitcoin’s elliptic curve digital signature system by 2027.

The computational power of these computers puts traditional cryptography in a difficult situation. In each transaction, a public key is generated from the private and secret key of the owner of each cryptocurrency. Figuring out a private key from a public key would require thousands of years of calculations with conventional computers, but only seconds or minutes with a quantum computer.

Cryptocurrencies will not be the only ones to suffer from the emergence of quantum computers. Their threat extends to all cryptographic keys: mobile phone passwords, router passwords, bank account passwords… “Quantum computers, like artificial intelligence, will change our reality in many more ways than we imagine,” concludes Canudas.


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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