Digital Bank
What do customers think?
I don’t usually cover press releases as they bore me, but this one caught my attention: Customer Online Conversations Reveal ‘All to Play for’ in Battle between Challengers and Incumbent Banks, Finds Economist Intelligence Unit Report Groundbreaking report by The Economist Intelligence Unit uses machine-learning to analyse over 10 million online conversations about personal…

So what would kill a bank?
Stumbling over an interesting article about bank consolidation in Europe, reminded me of Francisco Gonzalez’s (former Chair of BBVA) prediction that there’s only enough room for a maximum of fifty banks globally. I don’t believe either. As written about yesterday, banks don’t disappear. They don’t die. For over a quarter of a century, there’s been…

Why banks don’t die
Have you noticed how people talk about disruption more and more, and note the collapse of companies like Blockbuster, Kodak, Nokia and Thomas Cook? In fact, there are more companies entering and leaving the stock market lists than ever before, with the average tenancy now under two decades compared to six decades or more in…

What was the first record you ever bought?
I’m running a survey around how this crisis has impacted physical versus digital access to services – please take the survey: https://www.surveymonkey.com/r/KCSBYMM … and you will get a free copy of the results – but, building on the physical versus digital debate, it really hit me as I listened to a great debate on the…

Recognising six (Canadian) bankers doing a good job
I just stumbled across a report in Canada’s Globe and Mail, recognising the top 50 business executives who have helped see the country through this year’s crisis. It recognises quite a lot of banking people, and I wouldn’t normally share such content … except that many of those selected were chosen for trying to make…

As Treasury moves into cryptocurrencies, what’s your view?
It’s been interesting to see two major firms – admittedly FinTech firms – commit to crypto in the past month: PayPal and Square. The fact that such big processors are committing is a sign of the times and a move towards many organisations embracing the cryptocurrency world. If you didn’t see it: PayPal steps into…

The lakes, ponds, streams and brooks of finance
Jack Ma had a rant about the financial system ahead of Ant Group’s IPO. As reported in The Financial Times, he thinks the Bank for International Settlements (BIS) who issue the Basel Accords is like “an old people’s club” … “The Basel Accords are like an old people’s club . . . we can’t use yesterday’s methods to regulate the…


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