Fintech

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…

My friend Lory Kehoe spotted a white paper by the Bank for International Settlements (BIS) that was released in December discussing Project Leap, a deep technical experiment showing that core payment systems can migrate to post-quantum cryptography without breaking how money moves today. It’s a fascinating paper and an important one for us fintech nerds,…

I just got a summary of my new book from the publishers. It comes out in the summer but, for those interested, here are the key messages: Core Thesis The book argues that banking is entering its third great technological revolution: Mainframe era → automation and scale Digital era → connectivity, mobile, fintech, experience Intelligence…

Every year I visit the analytics engine to see which blogs got the most visits. This list is this year’s although, interestingly, the blog entry with the most clicks generally is the one I wrote about who invented WiFi. Regardless, the list this year is interesting as it is mainly about fintech firms like Klarna,…

I get regular emails with facts and stats, and one that I subscribe to regularly is from Fintech Global. Fintech Global provides research and, more importantly, connects senior decision-makers via industry-leading conferences. Enough of the advertising as what intrigues me more is facts and stats, and their research gives an interesting reflection of the world…

For many years, I’ve been among the fintech influencers arguing for a digital identity system. Most people reply that they don’t want one. Even an anonymous encrypted one. They fear that governments will find ways to track and trace them, and so it does not work. Their fears are slightly irrational as, if you use…