Digital is a leadership challenge and not a project
I blogged in March (Transforming the bank – three phases of change) about the method to make systems change happen to transform the bank. In another conversation, I then realised that there are three phases of organisational change to transform the bank. The first phase is a recognition that the world is transforming in a…

It’s all about the data
As those who read my blog will know by now I chair a very active group called Nordic Finance Innovation (NFI), based out of Oslo. Our last meetings were a great success and NFI rapporteur Danielle Pamela Neben did a great write-up afterwards. I’m guessing most of you will have missed it, so here it…

How will UK FinTech fare in the future?
I just chaired a nice session at the Innovate Finance Global Summit (IFGS) focused upon the future of UK FinTech. For some reason, the question they asked us to focus upon was: What is holding the UK back in the global investment landscape? I didn’t really understand why we would debate that topic, as the…

Doing good for society and the planet (an Earth Day FinTech update)
It was Earth Day on Monday, and a national holiday in many nations as they observed what Christians call Easter. Whilst Sri Lankans mourned the fatal losses on the Easter Sunday church gatherings, many observed the anniversary of the birth of the modern environmental movement in 1970. One of the leading lights of the modern environmental…

Why Chinese TechFin is the exception and not the rule
I picked up an interesting article from Reuters, about how Asian technology firms are moving into banking in a different way to Europe or America. The article says that Amazon and Alphabet / Google are far more interested in serving banks with cloud and advertising, rather than competing with them, whereas Alibaba and Tencent have…

Are these $1 billion start-ups Unicorns or Leprechauns?
Someone said to me recently that most tech Unicorns are more like Leprechauns. A Leprechaun is also mythical and magical but, rather than delivering riches, it just promises riches at the end of a rainbow you never reach. In other words, most Unicorns are offering riches that are as mythical and magical as the beast…

The challenge of transforming into “Banks of the Future” (research)
During the weekend I presented the trends on FinTech and Tech Fin, my two favourite subjects. I’ll update on that shortly but I was also involved in a study the organisers – The European House Ambrosetti, a leading economics think tank based in Italy – conducted before the conference. The study looked at the bank…

Time for a global FinTech platform?
I find it interesting when I read perspectives on FinTech, money and banking. Going digital, getting rid of branches, becoming cashless seem to be the main themes, and yet this ignores that every part of the world is different. It’s hard to go digital if the country has little infrastructure; it doesn’t make sense to…

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