Blog Index

The main blog headlines this week are … Do we need a blockchain? I haven’t written about blockchain for a while. I guess it’s because I got bored of it. I’m not bored of the promise of blockchain and distributed ledger technologies. Just bored of how much hype there has …

The main blog headlines are … Millennials: STOP EATING AVOCADOS!!! I’ve spotted a couple of interesting discussions about millennials and money in the last week, both of which say that the views on them are wrong. Stereotyped as avocado-crunching, cappuccino drinking, needies, the general media view is that this is …

The main blog headlines this week are … Why we need to define: ‘challenger’ bank After my recent blog about challenger banks, I received an interesting email from David Parker challenging the idea that a start-up is actually a challenger. Chris I continually argue that Revolut is not a challenger bank …

The main blog headlines are … Does the Fed putting America First destabilise the rest of the world? I see a strong need for global regulatory co-ordination. In particular, in a globalised world with a global network where everyone can connect and transact in real-time, anytime, anywhere, the idea of …

The main blog headlines this week are … Some challenger banks are challenging The UK’s challenger banks are busy getting on with it. They’ve got their licences, they’ve deployed their services, they’re partnering with third parties and creating marketplaces. Much of this was cited in a report by CBInsights, comparing …

The main blog headlines are … The Golden Age of Banking is a bit like England winning the World Cup There’s an argument raging that few have heard. The argument is whether it is the rebirth or death of banks. Many vote for the latter, but the former seems to …

The main blog headlines this week are … MPs battle over blockchain Conservative MP Eddie Hughes has just written a 36-page white paper extolling the benefits of blockchain for Britain, which was published yesterday Unlocking Blockchain: Embracing new technologies to drive efficiency and empower the citizen, by FREER. FREER is …

The main blog headlines are … When the bank knows you’ve been hacked (before everyone else) You may have seen that Ticketmaster just announced that thousands of customers worldwide may have been affected by a hack. If you didn’t here’s the low-down (via ABC News) The company said its British …

The main blog headlines this week are … The Amazonisation of Banking Last week, our good friend Dave Birch posted a great blog about the Amazonisation of Banking, most of which I agreed with. So I asked Dave if I could repost it here and he said “yes, of course”. Thanks …

The main blog headlines are … Bank reincarnation: the best way to become a digital bank There was an interesting discussion at #Money2020 about Business Reincarnation. It’s a rather dramatic term, especially if you don’t believe in reincarnation, but it does help visualise the idea. Like a Phoenix from the …

The main blog headlines are … #Money2020Europe Day One: Will banks become ‘safes’ for data? The good thing about blogging is that I have a public record of my thinking. Hence, I can claim that Banking-as-a-Service (BaaS) is mine. That’s because I was presenting the idea ten years ago and …

The main blog headlines are … So you think Alipay is just for the Chinese? I’ve got caught in a few discussions recently with people who tell me Ant Financial are Chinese. They’re not. Neither is Alibaba and, if you think they’re just Chinese, you’re going to miss a huge …

The main blog headlines are … Dubai: cutting edge or bleeding edge? I travel a lot and go to several countries that have smart leadership and smart cities. These cities and countries – you know who you are – are in the forefront of innovation and claim to be visionary. …

The main blog headlines are … Big bank thinking and the danger of the technology testing hole Building on Friday’s blog about small bank thinking, there’s another anomaly that occurs with big banks which is their usual response to technology is to test it. The problem with testing technology is …

The main blog headlines are … Small bank thinking I just presented at a conference focused upon smaller banks. How can they respond to the digital change? Many of them came up with a whole load of barriers to change. Here are the things that cropped up: We have too …