Blog Index

 Our biggest stories of the past week are … The threat to banks is not Google or Amazon but … What amazes me about the banking system is that the banking system does not believe it needs to change.  It does not believe it is being disrupted by technology.  It is dismissive of many new…

Our biggest stories of the past week are … It’s better to own disruption than be eaten by it As mentioned yesterday, banks are not sleeping ostriches but are very awake to the digital revolution.  In fact, many are investing in that revolution with four incumbent banks standing out on my radar for their investments…

Our biggest stories of the past week are … Amazon vs IBM, Google vs BMW … digital disrupts everything I’ve not been surprised by disruptions in industries like music, movies, books and travel.  All of these things can be digitised and have been.  Music has been disrupted three times: first illegal downloads with Napster; then…

Our biggest stories of the past week are … Who let the dogs out? I was going to use this in my presentations but it’s far too difficult to fit everything in these days, so it’s a blog post instead.  I’ve been asked to research 2035 by a client.  One of the things I stumbled…

Our biggest stories of the past week are … The Changing Face of Payments Report, 2014 In late 2013, we researched the views of how payments markets are responding to change. The results are intriguing, so here's the management summary.  If you would like  a free copy of the report, just download here. Digital Bank (revised)…

Our biggest stories of the past week are … The Changing Face of Payments Report, 2014 In late 2013, we researched the views of how payments markets are responding to change. The results are intriguing, so here's the management summary.  If you would like  a free copy of the report, just download here. Digital Bank (revised)…

Our biggest stories of the past week are … Money laundering, KYC and a PEP talk I have recently spent a lot of time talking about KYC (Know Your Client), AML (Anti Money Laundering, often confused with ALM which is Asset and Liability Management), Client Onboarding, PEPs (Politically Exposed Persons) and SARs (Suspicious Activity Reports). …

This week we produced a five-part series on beinga Digital Bank: Part One: Major parts of banking are stuck in the last century During my lifetime, two things have fundamentally changed the world: travel and technology. Part Two: Heidi Miller, Bitcoin and fitness for purpose Building on yesterday’s theme about how a cheque from Canada…

This week we produced a five-part series on beinga Digital Bank: Part One: Major parts of banking are stuck in the last century During my lifetime, two things have fundamentally changed the world: travel and technology. Part Two: Heidi Miller, Bitcoin and fitness for purpose Building on yesterday’s theme about how a cheque from Canada…

Our biggest stories of the past fortnight are … What did the Medici Bankers ever do for us? I spent some of the recent holiday reading a great historical novel about the rise and fall of the Medici bankers.  The bank's rise was based upon dealing with the challenge of usury.  Making interest on loans was…