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Shaping the future of finance

Digital Bank

Are you changing the bank or just sucking-up to the CEO?

Another day talking culture, leadership and change for digital, and a fascinating review of the five things banks mess up when considering partnering. This presentation was from the Chief Digital Officer (CDO) of a major European bank. The presentation was titled How not to screw up my next partnership – 5 lessons we learned, and…

#Money2020Europe Day Two: Don’t mess with my data

My second and last day at Money2020 Europe was packed with networking, meetings, panel discussions, private events and more. Throughout the day, the themes of the first day kept bubbling over. I guess it was typified with the comment that the CEO of TransferWise announced how happy they are to be partnering with banks. This,…

#Money2020Europe Day One: Will banks become ‘safes’ for data?

The good thing about blogging is that I have a public record of my thinking. Hence, I can claim that Banking-as-a-Service (BaaS) is mine. That’s because I was presenting the idea ten years ago and blogged about it in February 2009. Now, no idea is unique, and the BaaS idea was purely based upon the…

Digital isn’t built in a day

For those who know me they know that I travel a lot and, in those travels, it is fairly obvious that the world is not homogenous. Whilst the Chinese leapfrog the West and move to mobile banking, Europeans are seeing a surge of new banks trying to challenge the old, whilst the USA has megabanks…

When an app replaces 1200 bank branches …

I was invited to address a commercial bank this week, and they wanted me to make it specific to their strategy. In reading their strategy, I saw something that jumped off the page: new branches. Why, in the digital age, would any bank be opening more branches? I asked them this question and they said…

The long-term banking future: who are the winners?

I’ve used a statement for a while now about the competitive landscape of finance in the future. It goes something like: Banks have millions of customers, billions of capital and centuries of history, but are hampered by heritage; Start-ups have no customers, little capital and no history, but are driven by vision; whilst Tech giants…

Do customers really want ‘invisible banking’?

Quite a few people talk about invisible banking today. The idea is that banking transactions and services should be invisible as if they are noticeable, as in visible, then that means you have pain and friction which should have been removed. A good example of invisible banking is the iTunes store where I can download…

Some day my DLT will come

So, I’m presenting at a Corporate Treasury event, and we get into talking about distributed ledger technology (DLT) and blockchain. Comments are made around so many tests and proofs of work and concept, but so little production. At this point, someone made the comment that it will happen from the ground up, as corporates start…

What is the preference: human or digital relationships?

I’ve often been hired to run a workshop or presentation at a bank’s boardroom meeting. Usually, I’m hired by the frustrated digital guy who wants to convince the rest of the leadership team that it’s important. They don’t get digital, he or she will tell me, so you must make them understand, they plead. Wow….

Why investment banks have the digital edge

For some years, I’ve been heavily involved in high frequency trading and quantitative trading, areas that are highly automated and pretty complex. I don’t blog about it much here, as it’s not appealing to the everyday person. It involves too much dialogue explaining acronyms used in investment markets and acronyms used in technology. In other…

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