Digital Bank
The arguments for and against digital money
FedNow is launching in July, as mentioned in March. Interestingly, there has been a huge debate about this as Robert F. Kennedy (RFK) Junior tweeted: The Fed just announced it will introduce its “FedNow” Central Bank Digital Currency (CBDC) in July. CBDCs grease the slippery slope to financial slavery and political tyranny. While cash transactions are…
The emergence of BankGPT is something
My friend Dave Birch posted an insightful piece on Forbes the other day. I liked it so much that I asked him if I could share it here and he kindly said yes! Enjoy … The Impact Of ChatGPT And Open Banking Cannot Be Underestimated by Dave Birch, Author, advisor and global commentator on digital financial services….
Is it better to have physical or digital assets?
In this discussion of centralised versus decentralised, the delineation of physical versus digital assets becomes interesting. For example, is it better to have a Picasso painting on your wall at home or an NFT (non-fungible token) of a Picasso picture? It’s an interesting discussion as, when you have the physical asset, you know that you…
The past, present and future of technology, finance and us
I recently presented at the DIFC’s first Dubai Fintech Summit on the past, present and future of banking, finance and technology. It was fun, but with only twenty minutes, it was fast. So, here is that presentation and transcript if you are interested … Slides: Video: Transcript: Some of you may know me but,…
Why JPMorgan wins
I’ve written a lot about JPMorgan for over two decades, ever since Jamie Dimon took over the bank in 2004. Back then, it was notable that he made a decision to revoke a massive ten-year outsourcing contract with IBM. Industry watchers see Dimon’s fingerprints on Chase’s decision, announced Wednesday, to cancel the company’s $5 billion,…
The Lego Bank arrives
Years ago (over fifteen to be exact), I talked about Banking-as-a-Service (BaaS). More than six years ago, I urged financial providers to become conductors and curators of the financial ecosystem. Now, we are in 2023, and there are a few examples of both structures in the fintech system, bearing in mind each structure is different….
Reality is just the fiction in our own minds
When I wrote Digital Human, the book was partly inspired by Sapiens: A Brief History of Humankind by Yuval Noah Hariri. Yuval’s moved on since then, written several more great books, and is now focused upon artificial intelligence (AI). So, I just watched a fascinating presentation from Yuval at the Frontiers conference. Most of the…
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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