Future

I’ve been talking a lot about the Eastern and Southern Hemispheres these days. I’m adamant that these hemispheres are creating the future, whilst the North Western Hemisphere struggles with its legacy infrastructure. In particular, Europe and America are suffering from their old technology structures. Specifically, America is lagging the world. America. Land of the free…

During #Money2020Europe Tink, the Swedish challenger bank, interviewed me on my opinions about all things finance and technology. It’s only five minutes and think it’s probably worth the viewing as people are picking up on various comments I made, such as: “The leadership team has to be completely committed to digital transformation as a structural…

It was interesting reading as the UK issued its Brexit plan last Thursday. A 98-page white paper outlines the details of what Britain is asking for in leaving the European Union. Most of it is unworkable, but then Brexit itself is likely unworkable. After all, no MPs can agree what they want out of Brexit;…

There’s an argument raging that few have heard. The argument is whether it is the rebirth or death of banks. Many vote for the latter, but the former seems to be winning. Banks are reborn. Ten years since the financial crisis hit, many of the banks that received seismic shocks a decade ago are thriving…

Whilst in New Zealand, I had an interview with the country’s most respected business paper: National Business Review. The subsequent article is behind a paywall but, as they sent it across to me, I feel it’s worth sharing here. The battles for the future of fintech The future of financial services will be decided in…

I bet you were wondering why I hadn’t written an Ant update recently. Well, I thought it was getting too much … but then I just arrived in Hong Kong and the hotel has kindly given me a copy of Fortune magazine with the headline cover page talking about the battle between Alibaba and Tencent….

I keep asking dumb questions like: if the tech giants give away payments, lending and credit for free, how will banks make money? As I’ve regularly blogged, the tech giants don’t want to get into banking per se, but they do want to encourage more traction through their platform by making buying and selling easier….

For some time now, I’ve been reflecting on a conversation about Monzo. It relates to my write-up the other day on new bank thinking, and that Monzo are clever with data. Using Google Map APIs and other services, they enrich my transaction statement so I know when, where and what I was doing when I…

ANNOUNCEMENT – LONDON, UK: JUNE 25 2018 Back in 2003, Andy Coppell and I conceived the idea for The Financial Services Club, with the objectives of: Promoting discussion among senior people working in Financial Services, who were interested in better understanding the likely future direction of the Market; Enabling networking on a face to face…

The Bank for International Settlements (BIS), the guys who are responsible for Basel regulations and act as the global central bank to all the central banks, caught global headlines yesterday by saying that bitcoin will break the internet. Wowser. I couldn’t ignore this and neither should you so here’s a summary of what they said…