Digital Bank
Massive innovations in SME finances using the latest tech #SFF
In case you didn’t notice, this week was the week of the #SingaporeFinTechFestival. Although I was in Asia last week, this week I’ve been invited to be in America and so could not attend. Nevertheless, my good friends at Ant Group have been there and made some major announcements A good example is this one,…

What to do when the network goes down?
The internet isn’t working today. My phone is stuck on a screen saying trying to connect. My laptop has this continuing circle of stuckness. It is seriously annoying. When digital breaks down, it leaves you stranded. That’s OK. It’s cool. Except that, when you depend upon digital, it screws up your day, especially for those…

What about Basel V?
During 2023 a change has taken place in banking that has been little reported or, at least in my circles, little discussed. The change is Basel IV. A bit like most regulations, the Basel Committee on Banking Supervision (BCBS) review and update their rules every five to ten years or so, and gradually introduce more…

“We have created a generation of box tickers and button pushers”
Six years ago, I wrote about John Cryan, the then CEO of Deutsche Bank, saying that most people in the bank would lose their jobs to AI. He stated at a German conference that “people behaving like robots doing mechanical things, tomorrow we’re going to have robots behaving like people”. Thirty years ago, showing my…

Imagine if you integrated emotions with transactions
If banking was delivered like a song, how would it feel? Would it have emotion and belief, or just be delivered as words and music by a robot? The difference between customer engagement and customer service is pretty much the difference between delivering a stage song and being on the stage. I am a huge…

Why banks are not tech firms
I was asked to come onto a news channel this week to talk about the state of banking. The latest Q3 results have come in, and most of the banks have stonking results thanks to interest rates rising. Increasing rates rapidly on loans, whilst dragging feet on savings rates, created a basis points differential that…

Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us
What is the future?

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