Blog Index

This week’s main blog updates include … What currency will you be using in 2121? Having watched the emergence of cryptocurrencies, digital currencies, blockchain and Distributed Ledger Technology (DLT) for a decade, I have made a firm view. Most of the people involved in this space are deluded and naïve; most of the people involved…

The main blog discussions this week include … We are the Robots I’ve claimed for some time that machines cannot do what humans do, because they have no heart. They purely do what we program them to do. True. Yet if you watch movies from Ex Machina to Terminator, machines can turn to do what…

This week’s main blog discussions include … Who is BIG NUTS ASS? I woke up and, as usual, checked the banking app for any updates or changes. There was a payment received.  Quite a major payment. It came from BIG NUTS ASS*. BIG NUTS ASS*? Who is BIG NUTS ASS*? I have no idea. I…

This week’s main blog headlines include: Is new banking ten times (10x) better? Investment banking, Corporate banking, Commercial banking, Private banking and Retail banking are all very different. Too often, commentators just talk about ‘banking’. It’s not all the same. In fact, an awful lot of retail banking is propped up by investment and commercial…

This week’s main blog discussions include … You are ALL no better than the cleaner I watch the world and comment. Maybe I shouldn’t. This blog began as a blog about finance and technology and I rarely want to leave that space. But lockdown, the pandemic and more has made it more of a commentary…

This week’s main blog discussions include … The tectonic movement from paper to data The Cryptowolf is here … or is it a cryptodog? April 20 was Dogecoin day. Did you notice? Retweet if you are ready for #DogeDay pic.twitter.com/z00Wm7pE96 — DogeCoinResearch (@dogeresearch) April 19, 2021 Probably not and it’s why I’m feeling there is…

This week’s main blog stories include … Oh no! It’s Bankenstein … For years, we’ve talked about banks having a spaghetti systems structure aligned to a line of business product-centric organisation, that focuses upon the internal sales process rather than the customer. It’s true, but it’s due to the longevity of many banks. Some banks…

This week’s main blog stories include … Amazon, Apple, Facebook, Google … Coinbase? I was reflecting, which is dangerous. I was reflecting on my antipathy towards bitcoin as, like most bankers, it appeared to be a bit of a scam with no asset behind it. Then I woke up to what the libertarians have been…

This week’s main blogs include … Another view: any start-up that challenges a bank will fail We talk a lot these days about neobanks, challenger banks, bank disrupters, bank disintermediation, banks will fail and such like. I have a contrarian view, for a change, and believe that any start-up that challenges a bank will fail….

This week’s main blogs include … Venezuela replaces national currency with bitcoin In a fascinating move Venezuela, which has been a basket-case economy ever since Hugo Chavez died in 2013, has dropped their national currency (the bolivar) and any ties to the US dollar, and decided to link their national currency to bitcoin instead. This…