Digital Bank
Are banks adapting in the right way?
I picked up a few innovative changes taking place this week within banks. In fact, I should point out that banks are not static beasts, as many claim. They are changing all the time, doing things all the time, adapting all the time. The question is: are they adapting in the right way? Charles Darwin…

Ana Botin of Santander on FinTech and Blockchain
Really interesting interview here with Ana Botin, Executive Chair of Santander, on Bloomberg. It starts with talking about how Santander can make a difference on climate change with Ana claiming that the bank is voted the most sustainable bank in the world. But when the interviewer, Erik Schatzker, asks her how Santander is making a…

Google, Facebook, Amazon and Co are NOT offering banking, so stop saying they are
In the last month, there’s been a wave of announcements from Facebook, Apple, Google and Amazon about banking. We’ve seen Facebook’s major activities in trying to create a digital currency called Libra, and Apple’s move into finance with a credit card from Goldman Sachs which, in just a month, offered a $10 billion line of…

Big Banks AND Big Tech (not versus)
I’ve said for a while that the Big Tech giants will not become banks. Amazon and Alibaba will do a lot of bank-like activities, but they will never move into full-service banking, as in offering deposit accounts. Why won’t they? Because that’s full banking activity which has all of the audit and compliance overhead that…

Seven Fin and Tech truisms we wish were myths (with thanks to Anne Boden)
I attended the New Statesman’s FinTech Summit yesterday. I gave the opening speech and was followed by the indomitable Anne Boden, CEO and Founder of Starling Bank, who talked about the path to profitability. She asserts the bank will deliver profitability next year, but her presentation focused upon a number of what she sees as…

PSD2, Open Banking and Beyond
I’ve a number of great friends in the industry, and enjoy their company and contribution. One of those friends is Gijs Boudewijn, Chair of the Payment Systems Committee at the European Banking Federation who kindly quoted me in his recent presentation on Open Banking. He has also kindly allowed me to share his presentation with y’all…

Legacy systems … isn’t ‘legacy’ what you leave behind AFTER you’re dead?
Last week I blogged about Chime’s issues with their third party partner Galileo going down, blocking payments and cards for their five million users for a short time. I made the comment: I would still claim that using cloud native third party partners in a technology ecosystem is far better than trying to do everything…


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