Blog Index

The main blog headlines are … Five phases of FinTech (2005-2027) Three years ago, I blogged about three phases of FinTech. Three years later, I can expand on that theme and talk about five phases of FinTech. The five phases of FinTech are (dates are rough guide): Disruption (2005-2014) Discussion (2014-2017) Partnership (2017-2022) Integration (2022-2027)…

The main blog headlines are … Bitcoin, Stablecoin, Blockchain, Enterprise Ledger … WTF? I used to blog about blockchain and cryptocurrency almost every day. I stopped as it got too hyped, scammed and boring. In fact, my last blog was about the blockchain hype being dead, but the blockchain dream is still very much alive….

The main blog headlines are … Banking in the Cloud One of the surprises I have had in my discussions with banks that are doing digital well, is how all of them seem profoundly committed to cloud-computing. Some more than others, as one of the banks I spoke to wants to achieve over 80% of…

The main blog headlines are … Doing good for society and the planet (an Earth Day FinTech update) It was Earth Day on Monday, and a national holiday in many nations as they observed what Christians call Easter. Whilst Sri Lankans mourned the fatal losses on the Easter Sunday church gatherings, many observed the anniversary of…

The main blog headlines are … Will a global platform connect all of our money? When I talk about FinTech, I often reflect on the first time I encountered what I would, today, call a truly FinTech firm. It was on March 30, 2005, and a newly formed firm presented at the Financial Services Club…

The main blog headlines are … Leaving customers digitally high and dry … big mistake I’ve recently seen two blogs about issues with challenger banks N26 and Tandem. They both relate to the ways in which these new banks communicate, or not in these cases. Judith Bogner, a well-known and followed broadcaster, explains regarding N26…

The main blog headlines are … Alipay and Visa announce global QR code venture We all got hugely excited about Apple launching a credit card with Goldman Sachs and Mastercard last week. Whoopy-doo! This was a major lift for Mastercard in particular. As Wedbush’s Moshe Katri noted payments on the card … Time for a…

The main blog headlines are … Blockchain is dead I used to blog about blockchain and distributed ledger technology (DLT) almost once a week … four years ago. Today, I hardly blog about it at all. I guess it just shows what’s top of mind and what’s not at any time in FinTech and, ……

The main blog headlines are … Deutsche Bank and Commerzbank: the sick dogs of Europe #Brexit Watching the debacle of the #Brexit debate in Britain, you might think that the UK is in a national meltdown. According to a survey on the front of Metro this week, 9 out of 10 Brits think that the…

The main blog headlines are … Transforming the bank: three phases of change I’ve mentioned quite often that you cannot sort out all of the banks systems and structures overnight. It has to be a slow burn and often takes more than five years. It also appears to take place in three phases. The first…