Case Studies

I now think I am a good friend of Pablo García Arabéhéty, CGAP’s Regional Representative for Latin America and the Caribbean. This is, in part, because he’s contributed one of the key pieces I’m using in my new book Digital Human (due for release next Spring), and partly because we met at the CIAB conference last week,…

I’ve been spending a lot of time travelling around the LatAm markets over the past few years. In fact, I was just at the CIAB FELBAN FIBA conference in Miami that covers this geography and this year saw many firms from Nicaragua to Honduras to Costa Rica attend. But the major markets are the competition between…

I just had a whirlwind visit to Indonesia to support DBS in the rollout of their digibank service there. It was a very short visit, but a packed evening of presentations and discussions. Part of the time was spent with Piyush Gupta, the CEO, who I’ve been watching for some time now. Piyush has surrounded…

I get press releases all the time and generally ignore them. In fact, I don’t know why they email me, as I never post them on the blog. Uh-oh. I just got one that I’m posting on the blog. Floodgates opening.   What will happen when Amazon opens a bank. It is not such a…

I was surprised to make a chance discovery about The Wizard of Oz.  The film with Judy Garland is firmly embedded in modern culture as a classic, but did you know that it was a rally call against the financial system when the book was originally written? It as a political, economic and monetary allegory…

I was struck by some commentary with John Cryan, the CEO of Deutsche Bank, over on Bloomberg. The article is talking about the wild ride he has had since taking over the helm of the bank which had formerly been run by two CEOs (Juergen Fitschen and Anshu Jain). He knew when he took over…

I really enjoyed a recent article on CGAP (the Consultative Group to Assist the Poor). If you don’t know them, CGAP is a global partnership of over 30 leading organizations that seek to advance financial inclusion. Housed at the World Bank, CGAP’s mission is to improve the lives of poor people by spurring innovations and…

One of the presentations I particularly enjoyed at the EFMA meeting was from Gürhan Çam, Senior Vice President- Digital Banking at DenizBank, Turkey.  You will all know by now that I love the innovations in retail banking in Turkey, and Gürhan didn’t disappoint. First, there is the fastPay Wallet.  With fastPay you can do send…

I just attended an EFMA conference where the opening presentation talked about the most innovative banks in the world. They may or may not be, you can decide, as I’m posting some of their stories here.  These are the ones I quite liked, so it’s not exhaustive. See what you think … Capital One Skill for…

I talked earlier about the homogenization of the world as we are all become globally connected, seeking global brands using a global language through global platforms.  I truly believe that will happen, as it’s the natural outcome of the fourth age of humanity where we become digital humans, but there’s a long way to go….