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Digital Bank

What is banking in the cloud?

Over ten years ago, I started blogging about cloud computing and financial services. Many banks dismissed the idea back then as “the regulator wouldn’t allow it”. Then the regulator did allow it in some countries, but banks were confused about the regulatory position. For example, if they use cloud services …

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The logic of digital change

I just went through a conversation about my presentation for a forthcoming conference. They didn’t want to provide a prescriptive approach, and just asked what I talked about in general. That’s a challenge, as I once turned up at a conference and they said to me “you have seven hours”. …

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The war for (banking tech) talent

I had an interesting discussion about hiring technology people into banks the other day. The challenge of finding top coders is a big one, as there’s an awful lot of other firms to join out there. You could join a hot FinTech unicorn like Monzo, SoFi, Stripe, Ant Financial, Ping …

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Does your bank look like this?

Henry Ford famously stated: “If I had asked people what they wanted, they would have said faster horses.” Of course they would, as they had no idea what anything else was. In fact, I use this story often as a Victorian vision of the future was a steam-powered robot horse. …

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Cloud sense … dollars and cents

Talking of cloud computing, I’ve spent years backing up my various PCs and photo libraries. Invariably, a labour of love, I didn’t trust public cloud services like Google and Microsoft to look after my stuff properly. Then, gradually, over time, more and more of my stuff has moved online. It …

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