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Heidi Miller, Bitcoin and fitness for purpose

Building on yesterday’s theme about how a cheque from Canada has taken six weeks to process and had significant processing charges taken from the deposit as a result, reminds me of Heidi Miller’s speech from SIBOS 2004, which is still talked about today. What did Heidi say that was so compelling? She basically asked why…

Heidi Miller, Bitcoin and fitness for purpose

Building on yesterday’s theme about how a cheque from Canada has taken six weeks to process and had significant processing charges taken from the deposit as a result, reminds me of Heidi Miller’s speech from SIBOS 2004, which is still talked about today. What did Heidi say that was so compelling? She basically asked why…

Major parts of banking are stuck in the last century

During my lifetime, two things have fundamentally changed the world: travel and technology. As a boy, my life was connected locally.  We had a local newsagent, pub, shops, garage and my friends all lived within a 15 mile radius. My father worked in a city 12 miles from where we lived, and all of his…

NatWest letter

Laughing at the banks and all the way to the bank?

Talking of a two-stream market divided between Political and Economic change and Social and Technological change, there are other undercurrents that ripple in these waters. For example, why is it that most bank conferences are either about regulation or innovation?  Because one forces change to happen whilst the other offers the opportunity to change?  Or…

Laughing at the banks and all the way to the bank?

Talking of a two-stream market divided between Political and Economic change and Social and Technological change, there are other undercurrents that ripple in these waters. For example, why is it that most bank conferences are either about regulation or innovation?  Because one forces change to happen whilst the other offers the opportunity to change?  Or…

Bankers and regulators: do you want a Red or a Blue Pill (Matrix)?

I had a Red Pill moment last week. Not an Aha moment but a Red Pill moment because I realised the false reality of our world. You see, I present all the time and talk about the forces of change for the future: Political, Economic, Social and Technological (PEST). I usually skip over the Political…

There’s a big difference between KYC and KNOWING your customer

I had a really interesting conversation with @Anthemis last week. These are the guys who have co-ordinated much of the funding and investment cycles in Fidor, Moven and Simple. Udayan Goyal, co-founder of Anthemis, said to me: “you have to see that digital banks are different by the way they build their business”, and we…

FIDOR

Digital Banks have a completely different culture to Physical Banks

Another day, another challenge. Again, it’s to do with the move from the physical distribution of paper to the digital distribution of data (my favourite mantra of the moment) and the way in which things change. Think of it this way, I’m talking to a company about relationship management. Their view: it all comes down…

The time is ripe for disruption in banking

Building on yesterday’s debate about Google and co coming into banking, and the previous discussions of such: Imagine less than 50 banks left in the world by 2030 (why most will not become digital) If you think 'rip out and replace our systems' is naive … think again … and there’s been loads more, I was…

Millennial Disruption Index

Data wars: why Google, Apple, Facebook and Amazon will eat the banker’s lunch

I chaired a meeting of bankers last night, and we talked a lot about data and data leverage.   One thing that bubbled up to the service over and over again was the threat of GAFA – Google, Apple, Facebook and Amazon (building upon last week's blog about same). This also was raised at the conference I…

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