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I was at a presentation where Robin Speculand, Singapore-based author and speaker, asked: Is it better to have a great strategy implemented badly or a bad strategy implemented well? Most people – about 4 out of 5 – raised their hand for the latter option. I raised mine for the former. We had a bit…

I recently  presented in Miami and BBVA were kind enough to summarise what I said so … here is their summation. Financial services of the future will be open sourced and real-time Chris Skinner closed Latin America’s top ‘fintech’ meeting with a prognosis: The financial services of the future will be open source and real-time…

I find it interesting as we move towards Open Banking and Open APIs through regulations at both the UK and EU levels. The push is for data sharing with trusted third parties with user consent. All well and good, you would think, but several surveys point to it not being quite so rosy. The typical…

Following on from talking around the big ten tech themes last Friday, I thought I would follow up with five FinTech themes for right now.  This came out of a keynote speech I gave at Celero’s 9th annual technology conference in Canada last week. It was fun with the CEO, Bob Reczka, kicking off the whole…

I get lots of input from many sources, and one of the ones I like is the innovation survey of banking produced annually by EFMA with Accenture. It also usually proves to be one of the most read items on my blog – here’s the 2015 and 2016 reports – so, as I know you like it…

I find more and more people are starting to understand that digital is a transformation project, not just an adjunct to business as usual. But there needs to be more of them. We can liken most people’s thinking about digital in banking for example, to the thinking within the media when the first digital magazines…

Before 2010, I was writing a lot about technology but it was all heavily geared towards regulations.  It was pretty dull, to be honest, but worthy.  MiFID and PSD were top of mind, along with Basel III and other global, European and domestic regulations.  I wrote a lot about regulations. Then it pivoted at the…

A short time ago, I hosted an interesting group for the Nordic Finance Innovation meetings.  The meeting gathered several of the leading-edge Banking-as-a-Service (BaaS) companies that have launched in the last few years including Bud, Clearbank, Leveris, Saxo Bank and Solaris.  Building on each others narrative it soon became clear that anyone could launch a…

I was talking to a group of Treasury folks and the guy before me gave a pitch about the CFO of the future.  The pitch focused upon how the CFO would be managing risk, incorporating different technologies, managing M&A, dealing with globalisation and so on and so forth.  I couldn’t help but sit there and…