Fintech

I just did a webinar sponsored by Xpand IT. Here is a summary: From Physical to Digital to Intelligent: The Third Revolution of Finance Let me start with a simple question. How many of you think we’re living through a period of unprecedented change in finance? We’re not living through change. We’re living through a…

I had a lovely deep-dive conversation with Martin Hargreaves, Chief Product Officer at Quant, during our webinar about how programmable money and liquidity are transforming corporate treasury and financial infrastructure. Martin gave me a great definition: “Programmable money is money that responds to external events and conditions while preserving its fundamental nature. The money itself…

  There’s been a lot of talk this week about JPMorgan spending $20 billion on technology in 2026. It sounds huge, and it is, and it’s slightly more than their peer group spend but, bear in mind, this is a bank worth over $800 billion and with revenues of $185 billion, so you need to…

Two headlines really struck me this morning. The first is that Stripe is now valued at over $150 billion – I’ve been following Stripe’s valuations for over a decade (it was just over $9 billion in 2016) … … and the second is that they are thinking about buying PayPal, which would be immense imho….

Returning to the branch discussions, I picked up on Jim Marous’s recent podcast with Bank of America  (BoA) which is headlined: BofA is Building 150 New Financial Centres at $5 Million Each. Here’s Why The podcast focuses on the fact that BoA is opening new branches focused upon advisory services having almost halved its branch…

When the Genius Act was signed off last year by President Trump, I said that it was positioned to keep the dollar as the reserve currency of the world. Now, a new debate arises after Jamie Dimon (Chair of JPMorgan) and Brian Armstrong (CEO, Coinbase) had a spat at Davos. Did you hear about it? Probably…

I liked this article by Sergiy Fitsak on Finextra: We Asked 300 Finance Leaders What’s Next in Fintech. Here’s What They Said. His company, Softjourn, asked 300 fintech experts, CEOs and more on what’s hot in the fintech space these days. You can read the whole thing, but I’ll pick up some key headlines. AI…

Someone said to me this week: what do we need to do to be an intelligent bank? It seems like a simple question, but the answer is incredibly complex. After all, the first step is to be a bank with digital at its core. This is something I’ve written about for decades, but the big…

  I often talk about quantum computing and how it could break the encryption keys of our current financial system, including bitcoin and cryptocurrencies. In fact, the first time was seven years ago, when I referred to The Quantum Resistant Ledger. Even way back then, there was a company working on ideas to avoid encryption…

I just had a great visit to Kuala Lumpur, a place I go to often as I have many friends there. This time I also witnessed the launch of EPOS360, an AI-driven growth platform of Ant International targeted at small businesses. What is EPOS360? Well, you can read the press release, but here is my…