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Fintech

Have we invented the technology to replace us?

I recently hosted a meeting of C-suite bankers to talk about Artificial Intelligence (AI) in banking. It was a great discussion and my summary would be: it’s scary and exciting. As I blogged about the other day, AI may be our future or our doom. Which way do we look? The meeting had a theme…

The art of #catfishing is turbo-charged

Technology is making catfishing a new art form that is getting better every single day. What is catfishing? Catfishing refers to when a person takes information and images, typically from other people, and uses them to create a new identity for themselves. Therefore, I was struck by this when a tweet by my friend Dave Birch noted…

Decentralised versus centralised

On the one hand we want order and control; on the other, we don’t want to be ordered or controlled. We want governance, but we don’t want to be governed. We appreciate structure, but we don’t want to have that structure tell us what to do. The issue is a basic one: how far can…

Can banks meet the needs of government and the people?

I did a search of “Jamie Dimon” the other day, and was intrigued by the results. It reached everything from how cryptocurrencies are dangerous to Jeffrey Epstein, the late sex offender connected to everyone from Prince Andrew to Jes Staley, formerly with JP Morgan and CEO of Barclays. The search made me realise how much…

#Revolut is crying because Britain doesn’t love them

After Brexit, I hear and read a lot of negative things about doing business with Britain these days. The latest is Revolut complaining that Britain doesn’t like them. That’s not true. It’s more to do with Revolut cannot deliver their accounts on time (they blame the regulator for this) and cannot get the banking licence…

How far are we from a world with only robots?

Some predict that, in the near future, the world will be run by AI robots, even Liverpool football team! The thing about AI is that it is only as good as the input it is given. For example, ChatGPT couldn’t give answers to any questions you ask it, without those answers being previously written by…

Start-ups seven deadly sins

I’ve met many FinTech founders and the one thing they have in common is youthful optimism (even those over 30), but I was taken with an article written by Arwa Mahdawi in The Guardian the other day asking why so many so many under 30-year-old founders face jail. You see the thing about youthful optimism…

Are you who you say you are?

As an advocate of digitalisation, I am finding myself more and more conflicted these days. Apps don’t work; settings change; updates mess up my services; processes break and cannot be repaired without a reset; I can’t make a payment as there is no WiFi or mobile data; I can’t get home as FreeNow and Uber…

FinTech and the Future of Finance [World Bank report]

The World Bank released a free report the other day titled: FinTech and the Future of Finance. It’s an interesting read and I was going to summarise it, when I discovered on LinkedIn that my friend Richard Turrin had already done the job. Here you go: “The World Bank” delivers a great read on fintech and…

The problem with digital identities

I was listening to a fascinating debate about identity authentication, and one of the speakers referenced the fact that it was only because Dutch jews registered their identities at the start of the Second World War that so many died. I had not heard about this and immediately started Googling. Sure enough 75 per cent…

Fintech expert Chris Skinner: countries need digital transformation to remain competitive

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Chris Skinner
Commentator, CEO of The Finanser and best-selling author at The Finanser

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