91% of consumers have no idea what Open Banking is
I was moderating a panel discussion about Open Banking and the panel’s opening was some research presented by Steve Ogborn and Benedict Ireland of the Unlimited Group. The guys said that only 9% of consumers had heard of Open Banking. That means 91% had no idea what it was. Even when it was explained to…

Rwanda: Africa’s first cashless economy?
Another presentation that was enlightening was delivered by Jean Claude Gaga, CEO of RSwitch Ltd, the national e-payment switch of Rwanda. Jean Claude gave an overview of how Rwanda is moving towards a cashless economy and I was particularly interested as I chair Dot Finance in Kigali each year, and so it gave me a…

The best research into Open Banking
I’ve recently noted a number of reports about Open Banking, with many published recently due to its imminent arrival on January 13, 2018. Source: IBM As can be seen, we have several different groups working on Open Banking. There’s the Payment Services Directive 2 (PSD2) with Open APIs for payments, Open Banking regulations which are…

How Blockchain will Reshape the Financial Services Industry (Research)
Innovate Finance has been working with the Department of International Trade (DIT) on a report on blockchain and the future of financial services. The report was developed with the help of the Economist Intelligence Unit and is now available here. The Executive Summary is as follows: From Concept to Reality: How Blockchain will Reshape the Financial…

We still need bank branches
For many years we have had discussions about bank branches and a branchless future. I personally don’t believe in a branchless future, but many do. And yes, there are many branches disappearing, much to the annoyance of those who lose that physical store. For example, America still has a large number of branches (32 per…

The Circle of Crypto
The world feels fairly surreal sometimes. I watch the relentless rise in price of bitcoin, ether, litecoin and brethren, and feel it’s just a truly weird moment we’re living in. I’ve never seen assets rising 1000% of, in ether’s case, 5000% in a year. It’s crazy. Alongside this, I see exchanges being hacked on a…


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