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Digital Bank

How to create a challenger bank …

I realise I come across sometimes as a bit whiny, crotchety and grumpy, so decided to upgrade the dialogue with what is positive and what can be done. After critiquing all last week, I do like the challenger banks’ ways of providing more analytics and real-time updates to my way …

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Forget about Monzo and Starling, what about Metro Bank, Tandem, Tide, OakNorth and all the other challengers?

Someone asked me about the other challenger and neobanks after yesterday’s blog. I guess we focus upon Monzo, Starling and Revolut, because they are the front-runners. But there’s also Aldermore, Atom, Tide, Tandem, Lintel, Metro, Monese, OakNorth, Zopa and more. Well, I don’t have enough time to write about all …

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What happens when digital fails?

So, the worst thing imaginable happened today. We had a power outage. I didn’t realise what that meant until it happened. I then realised that I was only maintaining my semblance of sanity during this lockdown thanks to having an oven, a laptop, the internet, power. When the power outage …

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Apple Card #fail?

Years and years ago, I did a business process analysis for an insurance company. One of the people I met there and interviewed said: “We’ve bred a group of box tickers and button pushers” This was, in context, about their underwriters. They ticked boxes and pushed buttons. Their process was …

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Digital Banking for the Poor

I have a few friends around the world that I pick up on, and The World Bank and CGAP are amongst that crew. Therefore, when I saw that Peter Zetterli, senior financial sector specialist with CGAP, was blogging about financial inclusion I couldn’t but help reach out to him and …

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