How could I write a series of 2026 predictions without a specific focus on fintech and cryptocurrencies? The headlines are that: Systems Become Proactive: Technology shifts from reacting to events to anticipating needs AI Becomes Invisible Infrastructure: Intelligence moves from tools to embedded decision-making Digital Layers Disappear into Daily Life: Identity, security, payments, and compliance…
Everyone and their weird cousin is invested today. In crypto, of course. Bitcoin, Ethereum, XRP, even Dogecoin, or its low-rank pup Floki. Cryptocurrencies are constantly on the news, social media is buzzing, and one in about a gazillion investors wins big. We’re not even debating here if the notion of digital assets has merit as…
Every year I visit the analytics engine to see which blogs got the most visits. This list is this year’s although, interestingly, the blog entry with the most clicks generally is the one I wrote about who invented WiFi. Regardless, the list this year is interesting as it is mainly about fintech firms like Klarna,…
I spotted a quote this week: “All truth passes through three stages: first, it is ridiculed. Second, it is violently opposed. Third, it is accepted as self-evident.” — Arthur Schopenhauer My mind immediately moved to bitcoin and cryptocurrency and, specifically, Jamie Dimon. For years, Dimon has said that bitcoin is a scam and yet, now,…
Many years ago, I was presenting to a country suffering sanctions. No longer able to access the SWIFT network and pretty much excommunicated by most banks worldwide, they were suffering. Of course, they could do nested accounts, where you bury your bank in a pyramid of other banks, but that is pretty complicated, so I…
I just got an invite to invest in Spacecoin. What is that? SPACECOIN is a visionary cryptocurrency built for the space economy and designed to offer a decentralized, efficient, and secure platform for interplanetary trade investors and exploration. WTH? My initial reaction was the idea that this is launching a cryptocurrency for those who want…
I asked AI to tell me about the future of banking the other day. It responded with a great set of answers: The future of banking is being reshaped by technology, shifting customer expectations, and new regulatory and economic realities. Here are the key trends that will define the next 5–10 years: 💡 1. Banking…
I find it so interesting the debate about CBDCs (Central Bank Digital Currencies), stablecoins (a digital currency backed by real world assets) and cryptocurrencies (a digital currency backed by the decentralised network of everyone). This is the biggest battleground for the future of how we trade and are paid, and the losers appear to be…
Paying with crypto is traceable but favoured by fraudsters. Is it the solution or the problem? Fraudsters never know how their action impacts their victim, until confronted by the person they’ve defrauded. Is crypto the solution? After all, unlike fiat currencies, all blockchain-based transactions can be traced for history. So, is crypto the solution to…
Watching Sibos from afar – I haven’t been invited for a while due to being too provocative – I was not surprised to see that Quantum computing, AI, CBDCs, stablecoins, tokenization and blockchain are all making the headlines, as these are all the themes I spend my time presenting about around the world. Cybersecurity, AI…
