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I went to a conference the other day where the organiser left a load of beer mats with questions about fintech. I picked them up and decided to write my thoughts. Trust you enjoy this …  What was your ‘aha’ moment that led you into fintech? I never really had a moment, as I’ve been…

A colleague posted a view about Fintech and the Rule of 40 the other day. What is the Rule of 40? The Rule of 40 is a financial metric, primarily used in the Software-as-a-Service (SaaS) industry, which suggests a healthy company’s combined revenue growth rate and profit margin (often measured by EBITDA) should equal or…

Building on yesterday’s blog about onboarding me as a client based in Buckingham Palace – or was that 10 Downing Street? – there is some interesting reporting about Revolut. Why haven’t they got their UK credit license sorted? After several years of discussion with the regulators, they finally got the green light to launch a…

The Bank of England launched a platform yesterday for anyone to suggest who should be on Britain’s next generation of banknotes. Here’s the verbatim: As we begin to design the next series of banknotes, we invite you to share your views on potential themes. Our banknotes have celebrated notable historical figures since 1970, when William Shakespeare…

I just received the latest World Economic Forum’s Future of Fintech report so, here’s a summary: The fintech industry is transitioning from rapid expansion into a phase of sustainable growth, increased collaboration and broader market reach. The fintech sector is experiencing a customer growth rate of 37% from 2022-2023, down from 55% in 2020-2021 reflecting a…

Catching a new report from MIT, there are clear indications that AI is making us stupid. We no longer internalise data and detail, we delegate it. The fact that the Alpha Gen can get all their school reports written by robots and teachers cannot tell the difference, is evidence that this is the way we…

I would love to walk into a bank’s boardroom with my opening slide explaining: “Step confidently into the future of Web3 with Zond, a quantum-resistant Layer-1 blockchain* engineered to transcend today’s security limitations and safeguard your dApps, from DeFi protocols to NFT marketplaces, while powering the next generation of smart contracts in tomorrow’s digital economy.”…

I often write about Trekonomics, and how our future world might play out based upon a Utopian or Dystopian future. In a Utopian future, Gene Rodenberry – the creator of Star Trek – envisaged humans exploring space to improve humanity. Star Trek is a Utopian future without money, where people trade on the basis of…

Ten years ago, I was honoured to be invited to the Next Web conference in the Netherlands where I delivered a keynote about sentient banking. The idea is that the bank knows more about your lifestyle and living than you or your partner does. A decade later, thanks to Agentic AI and imminent AGI, we…

I’m discussing a lot about digital currencies these days, and the future of CBDCs, Stablecoins and Crypto. The conversation generally goes along the lines of central banks issuing digital currencies is really unnecessary. No one wants them and no one trusts them. The whole thing is just a scam for governments to track and trace…