GAFA have already opened banks … just not in America
I heard a rumour the other day. The rumour goes something like: are you not surprised that banks grow into big beasts, as it’s government supported? Governments want banks to be big and regulated, because governments can then access the data the bank is keeping about their clients. IT’s access to data for tracking financial…

web 4.0, the 2020s and the Internet of Things
We are already entering the fourth-generation internet, the internet of things, but it won’t really take off until the next decade, the 2020s. Sure, we have self-driving Teslas and Nest home appliances, along with Samsung’s Smart Things, but it’s not mainstream yet. For example, none of my friends has a self-driving car yet. This will…

web 3.0, the 2010s and an internet of markets
Now we move onto the third-generation internet, web 3.0. What is web 3.0? It’s not been well defined or described. Many would say it’s the internet of things, but I disagree. The internet of things is emerging, but it cannot exist until a bridge between the mobile social network and the internet of things has…

The Birth of Computing and Development of the Web
The last chapter of ValueWeb talks about what comes after the third generation internet: the internet of value. This is the internet being built today, based upon shared ledgers, cloud, apps, APIs and analytics. Of course, the next generation is the internet of things. But what comes after that? There is an answer, but you…

Brexit vote has ‘chilling’ effect on FinTech investment
I was going to write a blog about this, but after reading the BBC summary felt that they had summarised it as well as, or maybe even better, than I could so … Brexit vote has ‘chilling’ effect on start-up investment By Matthew Wall, Technology of Business editor Investment in UK financial technology (fintech) start-ups has…
Who needs a financial centre?
For ten years, my friends cover at Z/Yen have been producing the Global Financial Centres Index (GFCI), on behalf of the City of London. It’s a research program where people can answer the survey questionnaire and, from those participating, the different cities of the world vying to be financial hubs are ranked. Around 2,500 people respond…

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