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Making a hash of it

I’m having lots of discussions about tokenisation and cryptocurrencies, and it often boils down to hashing the data. Hashing data is taking the source information which may be your account details or card information and shortening it into a machine-readable link that doesn’t share the original data. It’s a little like when I tweet a…

Excuse me, but would you like this chip in your vein or your brain?

Lots of people talk a good talk about the internet of things and how my washing machine could now make purchases but my question is: what would my washing machine want to buy? More powder and some salt maybe? A replacement for the dish that just broke? An intelligent washing machine buying things on the…

Ever wondered what a digital human looks like?

I know that I could get boring so won’t labour this one over and over again, but for people attending Eurofinance in Miami in May or Money 2020 in Singapore in March, I have great news for you! Both events are going to be promoting and launching my new book, Digital Human. At Money2020, you can…

Regulating the cryptocurrency markets

Someone made the comment on my platform piece about what happens when there are no Jack Ma’s or Mark Zuckerberg’s, as the whole thing is decentralised? I guess that this is logical as my last line was that government control of cryptocurrencies is “not so easy for cryptocurrencies that have no head office or central…

Inside the mind of Jack Ma

I am very taken by the articulate and charismatic Jack Ma. Not because he’s one of the richest men in the world, but more because of his experiences and beliefs. If you haven’t listened to his interviews and thoughts at this years World Economic Summit, then I’d recommend you take the time out to do…

Will platforms replace governments?

I often talk about my week in Hangzhou last year, writing the case study on Ant Financial for the new book Digital Human, and particularly the words of Jack Ma on how he sees managing the Alibaba platform: Management. The word is there for regular companies. At Alibaba we treat it more like governing an…

The real financial plans of the tech titans (#GAFA #BAT)

In my blog yesterday, I talked about the technology titans being liked and potentially trusted with money, but I still don’t think they will open full-service banking. Instead, I think they will focus upon full-service information. The reason I say this is that they don’t want to be banks, it is not core, but they…

FinTech, cryptocurrency and corporate change

I was recently recorded on Roger Edwards’ podcast talking about FinTech, cryptocurrency and corporate change. Roger is a marketing strategist focused upon the insurance industry, and produces regular podcasts about said subject.  You can checkout his website here, and here’s the low-down of our chat: On the show this week, I talk to leading commentator and…

The wealth divide is growing and threatening

A final reflection on the way of the world before getting back to FinTech and banking. Whilst on holiday, we became interested in buying a property in Dubai, and began making enquiries. It soon transpired that this would be a dream, as the average price of a villa on the Palm was over $4 million,…

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