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Fintech

Where are all the women?

Despite there being many capable women in banking, finance and technology, it is surprising how few are at the top of the companies I talk about. Most FinTech start-ups I refer to are run by young men, whilst most banks are run by old men. Where are all the women? …

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We still need bank branches

For many years we have had discussions about bank branches and a branchless future. I personally don’t believe in a branchless future, but many do. And yes, there are many branches disappearing, much to the annoyance of those who lose that physical store. For example, America still has a large …

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The Circle of Crypto

The world feels fairly surreal sometimes. I watch the relentless rise in price of bitcoin, ether, litecoin and brethren, and feel it’s just a truly weird moment we’re living in. I’ve never seen assets rising 1000% of, in ether’s case, 5000% in a year. It’s crazy. Alongside this, I see …

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Data is the new currency

There’s a constant buzz about disruption, which kind of sounds like destruction to me. We have to realize that no one is going to destruct or even possibly disrupt banks. No one. It has not happened in my lifetime of working with technology in banks, and I don’t think it …

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Regulating the unregulated

I was thinking about this question of how to regulate global technology platforms that don’t recognise national boundaries, mainly in the context of crypto and digital currencies. How can you regulate a global currency that has no view of state or national laws? Obviously, you can only regulate it when …

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