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Where is the National Payments Vision?

A year ago, a government commissioned report in the UK asked for a National Payments Vision and Strategy, or NPVS for short. Looking into this a year later, there does not seem to be much action. The report was produced by Joe Garner, founder of a start-up in the dot.com boom, a director at the…

How the internet has taken over our lives

I remember companies like Gartner and Forrester predicting that there would be a trillion dollar market in online sales by 2020 back in the 1990s. Now we are in 2024, it’s a three trillion dollar market, and so I thought it might be interesting to look at the various statistics being bandied about by firms…

The future should look like the future

I just stumbled across a leap in the world. Cordless charging. Forget your cables, everything is now just charged through the air or by putting something onto a wireless charging point. It’s called induction charging and you’ve probably already used it. You put your phone down on a mouse-mat sort of base, and it starts…

Why are fintechs worth more than banks?

I just got the latest Finch Capital report on The State of Fintech 2024. Many of us think that fintech valuations and investments have gone through the floor, and this reports make clear that it depends where you are. The UK is doing well, as is the Netherlands, whilst Ireland has seen a 90% drop…

US banks invest three times more in tech than European banks

I got an interesting question in my recent banking presentation: US banks have spent far more on technology than banks in Europe – will European banks ever be able to catch-up? It is true that American banks have spent far more on tech. To illustrate the point: JPMorgan spent over $15 billion last year, and is…

That annoying auto-renewal you forgot to cancel

There’s nothing more annoying than when you get that note saying that you have just been charged $149 to renew your annual subscription to Youreanidiot.com. I subscribe to lots of different things and often forget that I subscribed. Then you suddenly find that $100s are leaving your account each year on things you no longer…

The multiverse of money

I find it hard to believe that some commentators are still talking about BaaS and the great unbundling of banking. The reason? Well that was the conversation we were having fifteen years ago. Today, the discussion is much more around embedded banking that is intelligent, ubiquitous, everywhere, anywhere, anytime … except that I was having…

The Future of Money: Unconscious Banking?

You may have seen my shameless plug of the new book Intelligent Money: When Money Thinks For You … well, here’s another one. After a podcast with my friends in Finland, who quite like my thinking, Pål Krogdahl wrote up his thoughts on our chat on LinkedIn. I really enjoyed his summary, so here it is. Meanwhile, you can…

Will Big Tech destroy Big Banks?

For years, I’ve said that Big Tech will crunch the periphery of finance – payments, cards, credit and such like – but will not try and dig into the core of deposit-taking banking because it’s too regulated and difficult. Instead, they are far more likely to partner with banks than do banking. That view still…

Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us

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