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Can challenger banks climb the mountain?

I’m going to shut up about challenger banks soon, but noted that even the regulator is getting worried about them. After Monzo’s admittance that it may not continue as a going concern if the pandemic continues through 2021, N26 admitting that profit is not their focus, Revolut’s tripling of losses, and more issues out there,…

[Monzo + Starling + Revolut] – Pandemic = The End?

Over the past week or two, the neobank and challenger bank sector has been issuing financial reports. If you haven’t noticed: WHERE WERE YOU? Monzo got a particular hammering for warning that the coronavirus pandemic could impact the company as a going concern. Some argue this is just accounting and auditing speak to warn of…

What happens when digital fails?

So, the worst thing imaginable happened today. We had a power outage. I didn’t realise what that meant until it happened. I then realised that I was only maintaining my semblance of sanity during this lockdown thanks to having an oven, a laptop, the internet, power. When the power outage occurred, it suddenly dawned on…

The world after #coronavirus

During this lockdown, it’s easy to get a bit down. The constant news of deaths and corona cases; the arguments between liberals and conservatives; the debate over whether the government acted early enough, fast enough, good enough; the rage over those breaking the rules and anger over those enforcing them; and so on and so…

This place needs an enema and oh, here it is!

I was on a call the other day and Nick Ogden, serial entrepreneur, made the comment that the pandemic had been like a digital enema for the world. This town needs an enema! True. The digitalisation impact of coronavirus is unquantified for the future, but it is obvious that it has had a huge impact….

What’s the impact of coronavirus on FinTech?

Someone asked me what the coronavirus pandemic means for the future of FinTech. I guess they thought that not much is happening and many firms will shutter and close. However, some may think that times are dull and boring, locked in at home and nothing going on, but there’s loads happening in the FinTech community….

When the banks closed, no-one cared

A great headline posted in The Financial Times the other day:  When the banks closed in Wuhan, nobody cared The Financial Times article makes clear how advanced the Chinese economy is today. For several months this year, banks across Hubei province, an area home to 60 million people, shut their doors to retail customers. Most…

The new normal for conferences (#Money2020)

I’ve grown up in a period of strong political stability. I’ve been lucky. Many other people grew up in a period of strong political instability, with war and famine and economic starvation. I realise I’ve been lucky because I’m now looking at lockdown, China-US trade relations, British-EU trade relations, African trade relations and specifically those…

How’s your cheese?

I was having a chat with someone the other day and lamenting the loss of open travel. My job was reliant on travel, going to conferences worldwide as a keynote speaker. Locked up at home: (a) how am I going to generate keynotes at conferences that don’t exist; and (b) how am I going to…

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