Imagine if you integrated emotions with transactions
If banking was delivered like a song, how would it feel? Would it have emotion and belief, or just be delivered as words and music by a robot? The difference between customer engagement and customer service is pretty much the difference between delivering a stage song and being on the stage. I am a huge…

The rise and fall of a cryptopunk
How could I not make a blog about Sam Bankman-Fried who, yesterday, was found guilty of running a Ponzi scheme smash-and-grab using cryptocurrency? Well, I couldn’t, so here it is. Yesterday Sam Bankman-Fried (SBF), the tousle-haired mogul who founded the FTX cryptocurrency exchange, was convicted of all seven charges of fraud and conspiracy after a…

Why banks are not tech firms
I was asked to come onto a news channel this week to talk about the state of banking. The latest Q3 results have come in, and most of the banks have stonking results thanks to interest rates rising. Increasing rates rapidly on loans, whilst dragging feet on savings rates, created a basis points differential that…

ChatGPT or a branch teller?
I’ve been sitting and thinking. Not a bad thing, but a dangerous thing. I’ve been sitting and thinking about AI, Artificial Intelligence. How will AI change banking and finance? Specifically, how could we use AI to change banking and finance? When I think about this, I think about how banking has changed since the last…

The impact of BigTech on BankTech and FinTech (BIS report)
This month the Bank for International Settlements (BIS – the guys who do Basels) released a report on the implications of BigTech on FinTech and banking. The report is not what I expected, as it is far too simple in its thinking imho, but it is worth a read. Maybe next time, they’ll ask yours truly…

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