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Shaping the future of finance

Digital Bank

The integration of human and machine intelligence

I just joined Huawei for their summit themed “Beyond Digital, Resilience Empowers AI-infused Finance”. It was interesting and Jason Cao, CEO of Huawei Digital Finance, gave a speech that was insightful around creating convenience with security through AI. One line that stood out for me is: “We must neither underestimate the long-term value of AI…

Is your bot more competitive than my bot?

I was having a chat the other day. It was behind closed doors, under Chatham House Rule but, nevertheless, will share my thoughts here as the big question was: who are you marketing to? Several major football teams have bank brands all over them. Many websites are associated with financial brands. On television, there are…

My data is my data

There are more and more arguments over data access and data sharing. Who is right and who is wrong? As far as I’m concerned, my data is my data but now JP Morgan Chase is selling it to Plaid – for access, not for keeps, an important difference – and Europe has told America’s big…

If digital is at the core, when do you need to be physical?

Building on the last two blogs all companies, not just in finance, have been transformed through the connected, network economy. That was the last decade’s worth of digital transformation and has led analogue companies hoping that they are now digital natives, although many are digital immigrants, still with a log of their old analogue systems…

Becoming intelligent: the next wave of disruption

I was thinking more about this third revolution of financial technologies. The first was very much focused upon automation administration using mainframe computing;  the second moved from pure cost reduction to the changing dynamics of how to leverage productivity and cost using the network effects of connectivity, and driven by cloud and mobile; the third…

It is time to level up

We are in a third generation of change in finance. When I wrote Digital Bank over a decade ago, the focus was all about reinventing banking from being physical at the core to being digital at the core. Now we have to do it all again and reach the next level where the bank is intelligent…

Money and currency is all about power and politics

It’s been really interesting watching the moves of Donald Trump to Make America Great Again by doubling down on the dollar being the reserve currency of the world forever more through the GENIUS Act. Well, that’s my take anyway. Add on to this that the Trump family made billions by launching World Liberty Financial, their very…

Everything is a scam and why principles matter

I clicked the other morning on Nicoo, the robot puppy, after seeing an ad on YouTube. I was going to order it for my wife’s birthday but thought, just before clicking, is this real? So, I go and Google Is Nicoo legit? and immediately realised it’s not. Later that morning, an email arrived saying that…

From A2A to B2B

Everyone has become excited about A2A in the past year or so. A2A are Account-to-Account payments. These are direct transfers of funds from one payment account (bank or e-money service) to another, bypassing intermediaries like card networks and reducing transaction costs and complexity. A2A payments leverage Open Banking technologies and APIs to deliver fast, seamless, and…

How ya doing Pardna?

I am always fascinated about the way in which people see what is of value and why. The exchange of beads, crystals, diamonds and gold; the use of barter to exchange sheep for goats for weddings; the emergence of digital exchange for tokens; and, of course, the issuance of cash backed by governments that are…

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