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China’s P2P are taking the P

According to latest stats, China’s FinTech markets are booming in 2016. Over $10 billion went into FinTech firms in China in the first half of 2016, although half of that was Ant Financial followed closely by Lu and JD Finance. China’s Fintech 50 by KPMG (download the full report here) …

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Creating PayPal’s Perfect Storm

Apparently, I am a miscreant.  I am the one guy who managed to break PayPal.  What?  OK, here’s the story.  The next 2,000 words tell the story but, if you’d rather miss that and cut to the chase, jump to the end. Most of my customers wire me the money.  …

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Analogue criminals in a digital world

I was tempted to blog about Bitcoin 3.0 this morning, but Marcus Swanepoel has already done that – news of Bitcoin’s death has been overstated – so I thought I’d blog about robbery instead.  Daylight robbery is far more exciting than investing in the future after all, and there has been …

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ToR and the Darknet: how to be anonymous

Building upon this theme of anonymity it’s worth talking for a minute about the Darknet.  It sounds like something out of Star Wars, but is all about ToR and the ability to surf without leaving a digital footprint.  This is the world of Silk Road, as detailed in the recent case …

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The end of a ‘bank account’ as the digital me takes over

I had a really interesting conversation with Chris Barker, Head of Digital and Engineering for Royal Bank of Scotland.  As usual, the conversation moved around data analytics, deep learning, artificial intelligence, building enterprise data systems, separating content from processing, re-platforming the back-end infrastructure and core systems and more.  I’ll write …

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What can banks learn from the Ashley Madison affair?

So we’ve all seen the headlines about Ashley Madison, the adulterer's website as it’s nicknamed.  Here’s a taste of what the site’s attitude is like (this is a real advert, not a spoof): It was the central focus of the film Men, Women & Children, which came out late last …

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Chris, with Intel inside


Building on the theme of digital identities, we are moving rapidly to a future based upon digital implants. I have had this vision for some time, and every day it gets nearer and nearer. This vision stems back to the last decade, when the Baja Beach Club began chipping customers …

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