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Fintech

Build or Buy or Build and Die?

I was having a chat with a banking buddy who was expressing his frustration with the fact that their PSD2 developments were not going the way he wanted.  He had found a nice little FinTech start-up with a really neat Open API capability which could be used by the bank in days.  But the Head…

12 reasons why banks don’t innovate

I just got back from the ICEEfest in Bucharest, Romania.  It’s a fantastic expo organised by Dragos Stanca and his team, and was very enjoyable even with the master of ceremonies, Jeff Leach, taking the mickey out of me.  Jeff is an actor and comedian, and spent the whole conference f-bombing the speakers and the…

90 minutes a year in a branch versus 45 hours on an app

We had a great meeting of the Financial Services Club this week with guest keynote Derek White, Global Head of Customer Solutions for BBVA reporting directly to the CEO, Carlos Torres Vila.  Derek is responsible for the drive to transform the customer value proposition, including global product and design, customer experience, launching new products and…

The crazy world of crypto currencies and ICOs

I’m boarding a flight yesterday and murfing (mobile surfing).  Flicking between Facebook apps, twitter, bank account, BBC news and more.  Suddenly I spot a new ICO – Initial Coin Offering – for a new bank.  From Wikipedia: “An initial coin offering (ICO) is a means of crowdfunding the release of a new cryptocurrency. Generally, tokens for the new cryptocurrency are…

A world of smart trading through smart systems using smart data

I was invited to talk to some City folks about using data analytics for trading.  It made me pause for reflection, as I’ve been talking about analytics for trading for a long, long time.  Twenty years ago in fact. Back in the 1990s, we were taking about object oriented programming, neural networking for stock picking…

Will the last COBOL guy turn the banks’ lights out?

I regularly blog about the same subject, namely CHANGE YOUR CORE SYSTEMS.  Banks do a great job of not listening to me, but that’s because they’ve caught themselves in Catch 22: screwed if I change them and screwed if I don’t.  How did they get into this mess and how can they get out of…

Banks do dad dancing (badly)

I hosted a banking dinner the other night, where we were talking about the FinTech scene in this particularly vibrant and innovative country.  It was under the Chatham House Rule, so I can’t say too much about who and where this dinner was, but it did amuse me half way through when we were talking…

The UK election result is good for UK FinTech

I thought I’d wait until after the weekend to write a post about the implications of the UK election results.  It’s not my place to write about the pros and cons of the election campaigns, although I will say that the alienation of the elderly and those who are parents by the Conservative’s campaign –…

The 50 hottest FinTech firms 2017

I sit on the judging panel for the FinTech 50, now in its fifth year, and the final list was revealed yesterday.  Here they are: FinTech50 2017 list unveiled, including 24 new businesses Women leaders feature, with almost 20 percent of The FinTech50 having a female founder or CEO UK companies continue to dominate /…

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