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Digital Bank

Cash should be in a museum

I have many bad habits. The main bad habit is collecting. I collect lots of things. Old comics, old books, old people. Well, maybe not the last one, but one of my really bad habits is collecting money. I have this thing that I call the money museum at home, …

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What FinTech means to banks

There’s a lot of discussion about FinTech and what it means to banks. Originally, everyone was talking about disruption, disintermediation and dissing banks. Then the discussion went to incumbents versus start-ups. Then it ended up last year about partnering and co-creation. I personally believe most of the discussion is off-beam …

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Digital banks are 35+ times more productive than traditional banks

I’m launching the new book Digital Human in New York on April 12 (if you want to come, register here), following on from our recent London launch. In London, I was delighted to host Ashok Vaswani, CEO of Barclays Bank UK, and Li Wang, Head of Alipay and Ant Financial …

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Ant Financial’s Strategy for AI, Blockchain, Cybersecurity and more

I’ve been flying around a bit and was lucky enough to find myself onstage the other day, chairing the Ant Financial Technology Forum at Money20/20 Singapore. I was honoured to accept to be the moderator of the afternoon and guess I was chosen because Alipay and Ant Financial are a …

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It’s three minutes to midnight

Last year I wrote about the ten year ticking timebomb, and I thought I’d come back to it as my mind has moved on a bit. That’s why I now talk about three minutes to midnight. Midnight is when it’s too late for the bank to change their systems into …

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