Fintech

I went to a conference the other day where the organiser left a load of beer mats with questions about fintech. I picked them up and decided to write my thoughts. Trust you enjoy this …  What was your ‘aha’ moment that led you into fintech? I never really had a moment, as I’ve been…

I stumble across a lot of stories online about fintech start-ups successes and failures, and really enjoyed reading the story of Airwallex by Thomas Yeddou on the Fintech Society newsfeed (worth subscribing). It’s a lengthy story of one Jack Zhang. Who is Jack? Well, you need to read the whole thing to find out, but here’s…

A colleague posted a view about Fintech and the Rule of 40 the other day. What is the Rule of 40? The Rule of 40 is a financial metric, primarily used in the Software-as-a-Service (SaaS) industry, which suggests a healthy company’s combined revenue growth rate and profit margin (often measured by EBITDA) should equal or…

Building on yesterday’s blog about onboarding me as a client based in Buckingham Palace – or was that 10 Downing Street? – there is some interesting reporting about Revolut. Why haven’t they got their UK credit license sorted? After several years of discussion with the regulators, they finally got the green light to launch a…

Agentic finance. What is that? For me, it is where you can designate your financial life to an intelligent, connected network. The core of that network is: who are you? There is you and then there is your digital twin. There are two you’s: the physical you and the digital you. So we have to…

I just received an interesting report by Deloitte about API Banking and Banking-as-a-Service … the things I talked about back in the 2000s. The report is called the future of money movement, although I would argue it is the present of money movement along with embedded finance and open banking, which are also mentioned in…

WARNING: THIS BLOG IS POLITICAL I often talk about the tech billionaires who control our lives. Why blog about this today? Well, a few disturbing developments. One is Elon Musk – you probably already know about his issues – thinking of launching a new American political party; but the other, and more intriguing, is an…

This week’s main blog discussions include … Designing our next banknotes: Notey McNoteFace? The Bank of England launched a platform yesterday for anyone to suggest who should be on Britain’s next generation of banknotes. Here’s the verbatim: As we begin to design the next series of banknotes, we invite you to share your views on potential…

I just booked a hotel stay in London the other day, confirmed with PayPal but then, shortly after checking my PayPal account, it showed two transactions. Thinking I had paid for the booking twice, I raised a dispute with hotels.com and PayPal about two charges. Now, as regular users of PayPal would know, it’s not…

“All the work I’ve done in my life will be obsolete in a few years.”  Steve Jobs This statement is pretty fundamental to life as we know it. Everything you do is worth nothing tomorrow. It is only worth something today. “Yesterday is history, tomorrow is a mystery, but today is a gift, that’s why…