--- title: David Brear on digital vs traditional banking - Ravelin date: 2019-01-09T08:00:00+00:00 author: Alara Basul canonical_url: "https://www.ravelin.com/podcast/david-brear-on-digital-vs-traditional-banking-1" section: Podcast --- Podcast / Fraud trends Episode 23 09 January 2019 # David Brear on digital vs traditional banking In this podcast we speak to David on working in fintech in 2018, how security breaches affect fintechs differently to traditional banks and what the new banking trends will be in the next few years. ![David Brear on digital vs traditional banking](https://storage.googleapis.com/ravelin-website-assets-production/assets/images/_672xAUTO_fit_center-center_none_ns/2163/david-brear.webp)David Brear is the CEO of 11:FS, a digital fintech consultancy with the aim to help banks on their journey to transformation. But he’s also much more than that. Brear has a passion for helping companies grow and seeing the transformation take place with the help of his team. *FintechInsiders,* the popular podcast by 11:FS, picks masterminds from the industry to talk about the current state of fintech and where the industry is heading. Last year he was intrigued with Wil.I.Am as the face of Atom Bank. His 2018 goal was to have him as a guest on his podcast? And guess what? A few weeks ago he did just that. In this podcast we speak to David on working in fintech in 2018, how security affects digital and mobile banks and where he believes the industry will be paying the most attention to in the next few years. [**Learn more about PSD2 and SCA here.**](https://www.ravelin.com/insights/ultimate-guide-psd2-strong-customer-authentication) ![Afk Bu I 400X400](https://storage.googleapis.com/ravelin-website-assets-production/assets/images/_122x122_crop_center-center_none_ns/851/afk_Bu-i_400x400.webp)Alara BasulRavelin alumna More from Alara Basul - [Infographic: The growing cost of fraud in 2018](https://www.ravelin.com/blog/infographic-fraud-in-2018) - [Meet Tim Whelan, Ravelin’s VP of Engineering](https://www.ravelin.com/blog/meet-tim-whelan-ravelins-vp-of-engineering) - [National Cybersecurity month: Raising awareness of fraud in payments](https://www.ravelin.com/blog/cyber-security-month-fraud-awareness) Share this podcast: - [](https://www.facebook.com/sharer/sharer.php?u=https://www.ravelin.com/podcast/david-brear-on-digital-vs-traditional-banking-1) - [](https://twitter.com/intent/tweet?text=David%20Brear%20on%20digital%20vs%20traditional%20banking%20https://www.ravelin.com/podcast/david-brear-on-digital-vs-traditional-banking-1) - [](https://www.linkedin.com/shareArticle?mini=true&url=https://www.ravelin.com/podcast/david-brear-on-digital-vs-traditional-banking-1&title=David%20Brear%20on%20digital%20vs%20traditional%20banking&summary=https://www.ravelin.com/podcast/david-brear-on-digital-vs-traditional-banking-1&source=) - [](mailto:?subject=David%20Brear%20on%20digital%20vs%20traditional%20banking&body=David%20Brear%20on%20digital%20vs%20traditional%20banking%20https://www.ravelin.com/podcast/david-brear-on-digital-vs-traditional-banking-1) ## Related content [Blog / Payments & payment fraud ### Safeguarding agentic commerce – fraud strategy advice by Ravelin's CPO "If there’s anything fraudsters like, it’s a new thing." Here's how to protect your online shop from agentic commerce fraud – which can target you no matter whether you're actively adopting AI shopping or not. ![RAVELIN STAFF Mark Barlow Head Of product website](https://storage.googleapis.com/ravelin-website-assets-production/assets/images/_33x33_crop_center-center_none_ns/175066/RAVELIN_STAFF_Mark_Barlow_Head_Of_product_website.webp)Mark Barlow,Chief Product Officer](https://www.ravelin.com/blog/agentic-commerce-fraud-prevention-strategy-analysis) [Blog / Ravelin product ### Next-level reporting with Ravelin: Introducing Insights and AI-powered queries Discover how the new Insights section and AI-powered queries in the Ravelin Dashboard simplify your fraud reporting. ![Ashleigh](https://storage.googleapis.com/ravelin-website-assets-production/assets/images/_33x33_crop_center-center_none_ns/267519/ashleigh.webp)Ashleigh Luccini Gilera,Senior Product Marketing Manager](https://www.ravelin.com/blog/fraud-reporting-insights-ai-queries) [Blog / Payments & payment fraud ### DCAP explained: Boosting approval rates and reducing fraud with Visa's new program Online payments are increasingly won or lost on decisioning quality. With DCAP, Visa is signaling that better context will be a first-class input to authorization. ![James hogan](https://storage.googleapis.com/ravelin-website-assets-production/assets/images/_33x33_crop_center-center_none_ns/274718/james-hogan.webp)James Hogan,Senior Product Manager – Payments Engineering](https://www.ravelin.com/blog/visa-dcap-program-explained)