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Shaping the future of finance

Future

Wrappers, replacers and reformers are all targeting banks

I’ve been talking about the hot new start-ups targeting the banking markets for a while.  There are literally 1000’s of them – the Fintech Awards had over 750 firms to review this year alone – and sifting the wheat from the chaff is hard.  There are a few standouts however, and these are the ones…

P2P lenders

What will happen when China implodes?

I just took part in a panel debate about the shape of the global economy.  As a renowned economist (?), I was honoured to be invited and gave my views alongside Shah Gilani, editor of Money Morning and The Money Map Report, and chaired by Andrew J. Barden, Bloomberg’s managing editor for international government in Europe and…

What will happen when China implodes?

I just took part in a panel debate about the shape of the global economy.  As a renowned economist (?), I was honoured to be invited and gave my views alongside Shah Gilani, editor of Money Morning and The Money Map Report, and chaired by Andrew J. Barden, Bloomberg’s managing editor for international government in Europe and…

Ryanair Bank or Private Bank? Your choice!

I’ve talked for some time about component based banking but what about component based pricing? Bank pricing is the most opaque part of the industry, and the part that irritates customers the most.  Customers get charged high fees for unauthorised overdrafts as this funds free bank services for those who don’t go overdrawn.  Banks focus…

Picture1

Ryanair Bank or Private Bank? Your choice!

I’ve talked for some time about component based banking but what about component based pricing? Bank pricing is the most opaque part of the industry, and the part that irritates customers the most.  Customers get charged high fees for unauthorised overdrafts as this funds free bank services for those who don’t go overdrawn.  Banks focus…

Picture1

Banking is going through a sea change … can the tanker turn around?

I noted the disconnect between the bank community and the technology community sometime ago in my Red Pill moment, and as the year passes it becomes more and more obvious to me that we are going through a sea change in finance. Almost every day, I encounter a new start-up who wants to change some…

Lloyds

Welcome to your relationship machine, how can I help?

I engaged in a lengthy debate yesterday about digital banking (for a change). The core of the discussion is whether humans are needed in a digital bank. Not humans to program the bank, as they’re obviously needed, but humans to service the customer. It was somewhat of a null debate, as you will definitely have…

Earth 2.0: a world ruled by the people, for the people?

I presented this morning the vision of 2035. It’s too long and too much to go into (I had 2 hours to present and got through half my slides!), but the core of the presentation went along the lines of defining Earth 2.0. I actually don’t like the term 2.0 or 3.0, but it’s well…

Earth 2.0: a world ruled by the people, for the people?

I presented this morning the vision of 2035. It’s too long and too much to go into (I had 2 hours to present and got through half my slides!), but the core of the presentation went along the lines of defining Earth 2.0. I actually don’t like the term 2.0 or 3.0, but it’s well…

2014: let the good times roll

It is interesting to hear the non-stop debate about the UK housing market bubble (and it is a bubble); the settling of the European markets after the sovereign debt crisis; the burgeoning US economy that is getting back to normal superpower status; whilst China will be the #1 economy by 2018; and other bullish market…

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