Case Studies
Pay-by-Nose, a new innovation
I blog regularly about what a fanboy I am of Chinese technology giants Alibaba and Tencent. It’s getting a bit ridiculous now however, when payments companies are designing payments for cats and dogs … or maybe it’s not … it’s just an extension of technologies that work for humans. My last blog on this subject…

McKinsey on digital transformation in banking (free research)
I only just stumbled across this 124 page report from McKinsey and, building on yesterday’s free research from Deloitte, this report is all about digital transformation and replacing core systems, my favourite subject. Here’s the intro: Next-gen Technology transformation in Financial Services Financial Services technology is currently in the midst of a profound transformation, as…

Wirecard … the biggest accounting fraud? Is the customers money safe? The end of Banking-as-a-Service?
Some of us are old enough to remember Arthur Anderson and Enron, a mixture of two companies that created an accounting mess bigger than any seen before in corporate history. That was until Ernst & Young (EY) and Wirecard. Interestingly, there have been many auditing mess ups in the past few decades, but there are…

Wirecard or Weirdcard?
Another day and another headline about Wirecard: ‘The money’s gone’: Wirecard collapses owing $4 billion Wirecard’s Missing Billions Forces Out CEO, Panics Lenders Wirecard: Former boss arrested over €1.9bn scandal How Wirecard fooled most of the people all of the time Inside Wirecard EY failed to ask for Wirecard bank statements for 3 years Softbank…

The end of main street
Wondering about the future. Always wondering about the future. Thinking about where things are going. It’s the only thing we don’t know. We know the past; we live in the present; we wonder about the future. What’s my future? What’s your future? What’s the future for our children and our children’s children? What’s the future?…

Revolut: over-hyped and immature? Yes and no …
Last October I wrote a piece on Revolut, questioning its valuation which, at that time, was estimated to be anything up to $10 billion: They claim to have 8M customers. Let’s assume *all* of them are active. If they are “valued” at $10Bn that’s a per customer lifetime value of $1,250 or £1,000. Their premium…

Wirecard versus The Financial Times: a FinTech poster child on trial
I’ve tracked Wirecard for some years, as they were the bank partner that allowed Ollie Purdue to drop out of university at 21 years old to launch a bank called Loot. Wirecard basically offer the platform of many other firms to offer full banking services across Europe. Based in Germany, their clients include many FinTech…


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