Digital Bank
The future financial world is here
I’ve been thinking for a while now about building a new financial system from the ground up using AI, blockchain, the Internet of Everything and other technologies. What would it look like? What would we build? I guess the piece that inspired a lot of my thinking came from two sources: Alipay (as usual) and…

How AI will change banking
The World Economic Forum has been conducting research over the last year around how AI (Artificial Intelligence) will change banking that was published last week. Here’s the lowdown: Artificial intelligence is fundamentally changing the physics of financial services. It is weakening the bonds that have held together the component parts of incumbent financial institutions, opening…

Do we need a blockchain?
I haven’t written about blockchain for a while. I guess it’s because I got bored of it. I’m not bored of the promise of blockchain and distributed ledger technologies. Just bored of how much hype there has been and of so many companies claiming to have the latest blockchain breakthrough. However, when I saw this…

Decentralisation demands data safes
I keep thinking about the future internet and the ideal of creating a network where no one controls anything. It may sound silly, but it is developing already. In fact, in HBO’s excellent series Silicon Valley, the guys at Pied Piper recently did a pivot to try to create exactly this. The start-up gang are…

According to one banker, banks are just like sewage
Now I didn’t make this statement, to be clear. A banker did. He was talking about the four quadrants of service, and said that banking needed to become like the sewage system: invisible, but incredibly important that it works especially when it’s urgent. I liked his ideas, and he presented it like this. Banking today…

Why we need to define: ‘challenger’ bank
After my recent blog about challenger banks, I received an interesting email from David Parker challenging the idea that a start-up is actually a challenger. Chris I continually argue that Revolut is not a challenger bank – it does not today have a banking licence. If you want to say any prepaid card is a challenger bank…

Big banks are not feeling the FinTech heat (yet)
A few years ago Jamie Dimon was renowned for saying that bitcoin developers “are going to try and eat our lunch” and that silicon valley was coming to get the banks. Three years later, it’s not quite the case. The big banks are getting bigger, and the FinTech community is nibbling at the ankles and not…

Does digital punish the poor?
BACS released UK account switching statistics this week, and it makes for interesting reading. The big winners in the first quarter of 2018 are Halifax, Nationwide and HSBC. The big losers are Co-operative Bank, Lloyds and Barclays. Why? Well, Halifax offers a great incentive to switch: £75 … nothing like a bribe is there? Nationwide…

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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