Who do you believe in: the state or the network?
I find so many similarities between what’s happening with COVID and what’s happening with cryptocurrencies. Why? It’s all to do with how they’re regulated. I don’t know about your country, but I’m in between two countries: the UK and Poland. After recently visiting the UK, where COVID rules are so confusing you have no idea…

Where is the banking revolution?
That old expression that what goes up must come down applies to so many things. An umbrella goes up and down, dependent upon the weather. Company executives who are going up will come down, most times. And businesses that appear to be bullet-proof can stumble and fall. I’m thinking Blockbuster, Nokia, Kodak. Today, we look…

Banks are becoming bitcoin banks whether they like it or not
For the last more than a decade, all I’ve ever heard bankers say is that bitcoin is a scam, a Ponzi scheme, purely useful for money launderers, paedophiles and terrorists. So, why are banks now offering bitcoin services? For me, this is one of the biggest questions, but the answer is obvious: because customers want…

Old banks need an urgent reboot
I see more and more stories about banks messing up customer accounts, system outages, data mismanagement, issues with technology and more. This is the one thing a bank cannot mess up. Airlines may mess up a booking; Amazon may mess up a delivery; BT or AT&T may mess up a connection; but a bank messing…

The end of COVID? My first physical conference starts on July 12
From July 12, I will be chairing FinTech Week London. It’s my first time leaving home since February 2020, and a major moment as it’s also the first physical conference on FinTech that I’ve seen so far (Money 2020 and more to come). FinTechWeek London takes place from July 12-16 both in London and streaming…

Where would you launch a FinTech company?
Just received Findexable’s annual report on FinTech hubs and developments, which finds San Francisco, London and New York as the key FinTech hubs of the world. Behind those cities, Montevideo (Uruguay), Hangzhou (China) and Riyadh (Saudi Arabia) are making great gains. What’s going on? Here’s the outline in the intro to the second edition of…

Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us
What is the future?

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