--- title: David Brear on digital vs traditional banking 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) ## Related content [Blog / Fraud analytics ### Burner account detection requires continuous behavioral monitoring and network analysis Today we explore ecommerce burner accounts and why it's important for merchants to home in on and ban them before they do harm. ![Unnamed 3](https://storage.googleapis.com/ravelin-website-assets-production/assets/images/_33x33_crop_center-center_none_ns/265422/unnamed-3.webp)Nelda Biltauere,Senior Fraud and Payments Researcher](https://www.ravelin.com/blog/ecommerce-burner-account-fraud) [Blog / Refund abuse ### Refund abuse is too easy to do – and get away with – to leave unchecked Exclusive Ravelin data reveals the sheer extent of ecommerce refund abuse, including how harmful repeat refund abusers are and the measures to stop them. ![1669287463716 2023 12 07 164059 ybjd](https://storage.googleapis.com/ravelin-website-assets-production/assets/images/_33x33_crop_center-center_none_ns/196785/1669287463716_2023-12-07-164059_ybjd.webp)Nikoleta Dimitriou,Senior Content Manager](https://www.ravelin.com/blog/ecommerce-refund-abuse-is-easy) [Blog / Press release ### Kinguin renews Ravelin partnership after cutting ecommerce fraud to “industry-leading low” The leading gaming marketplace extends AI fraud prevention deal for further three years, with Ravelin automating real-time fraud defenses and supporting growth to over 20 million customers. ![Ravelin Symbol Blue 1](https://storage.googleapis.com/ravelin-website-assets-production/assets/images/_33x33_crop_center-center_none_ns/187712/Ravelin-Symbol-Blue-1.webp)Ravelin Technology](https://www.ravelin.com/blog/kinguin-ravelin-partnership-renewal)