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When the going gets tough, the tough ask questions
There are a number of numbers being bandied around regarding the major slump in the fintech sector over the past two years. The latest one that I picked up on is from the Indian data intelligence firm Tracxn, stating that UK fintechs raised just $4.3bn in 2023, a sharp drop from $11.2bn in 2022, which…
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We need banking that is unusual
Over the week, I got an update about Revolut and their business model. It was quite interesting although a little bit macro-level. My favourite part is where the Business Model Analyst listed the competitors to Revolut: Monzo: Monzo is a UK-based digital bank that offers features similar to Revolut, including budgeting tools, international money transfers, and fee-free spending…
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HSBC puts a Zing into 2024
HSBC has just launched a rival to Revolut and Wise for consumer foreign exchange transfers. Calling it Zing*, and currently available only in the UK, the idea is to offer a “worry-free international money app”, even though they exist already. Why would HSBC’s be any different? You can find out the nuts and bolts of Zing…
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The SEC approves bitcoin … or does it?
Everyone got very excited last week about the SEC (Securities and Exchange Commission, USA) approved the use of bitcoin on ETFs (Exchange Traded Funds). Fantastic … but what does it all mean? Does it mean the SEC approves of bitcoin trading? Does it mean the Federal Reserve and USGov endorse cryptocurrencies? Some would say yes,…
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Are banks and fintechs partners, competitors or suppliers?
Over the past decade+ we have seen thousands of fintechs arise. Many are challenging and disrupting, whilst many more are providing and supplying. What is the role of a fintech? My advice is that fintechs are there to fix the things that banks do badly and offer service to those who banks don’t serve. The…
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JPMorgan: data is fuel for the business
Building on yesterday’s blog, I just stumbled across a podcast called Tech Trends by JPMorgan Chase – everything to do with tech, digital, data and fintech, broadcast by a bank. Fantastic. The first show I downloaded is all about organising data to fuel growth. Interestingly, their Chief Data Officer defines data as the fuel for…
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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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Kids creating the future bank | TEDxAthens
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Gaping Void's Hugh MacLeod worked with the Finanser
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