Fintech

For over twenty years, I’ve predicted the end of the ATM, cash and cards. Finally, many of those predictions appear to be coming true. It is certainly true of cash versus card … … and now it is turning out to be true for card versus wallet … Admittedly, the second picture is from a…

I’ve recently been seeing more and more about eugenics. Eugenics is a supposed scientific way to develop the perfect human, immune to disease and designed to live long and prosper (as Spock would say). A more formal definition comes from The National Human Genome Research Institute: Eugenics is the scientifically erroneous and immoral theory of “racial…

Talking about trust, the other side of the coin is what is the bank doing to protect privacy? Increasingly, due to regulatory concerns, banks are becoming government spies. They are watching our every move and reporting it. This recently cropped up on my personal radar when the bank became my interrogator and grilled me about…

It’s all about the difference between an emoney provider and a bank … I’ve been having an ongoing debate with a Revolut fan about the fact that they have an emoney licence, as an EMI (Electronic Money Institution), and that they are not a bank in Britain. It’s part of the ongoing debate about their…

You may not have spotted it this week, but there has been a number of major strategic changes and moves by fintech leader Stripe. I’ve followed Stripe since their founding in 2010, and use them as a poster child of change in finance and technology, as demonstrated by their fast cycle growth from a company…

I’ve been trying to think of the next big thing. Someone asked me on a conference call: what’s the next big thing? I’ve always been on top of the next big thing. Whether it’s the metaverse, AI, blockchain, cloud computing or whatever, there’s always the next big thing. So, what is the next big thing?…

I just discovered a portal of information from McKinsey. Now, now, now … I know you may love or hate McKinsey but bear in mind that all their staff have an Upper Second Grade or First Grade degree, OK?So, I start delving into their portal that answers questions like: What is inflation? What is quantum computing?…

As a seasoned traveller, I know an awful lot about flying through Heathrow Airport, and it is always frustrating me about how the airport is structured. By way of example if you land at Heathrow terminal 4 and 5, the newer terminals, they have on-site hotels, the Hilton and Sofitel respectively. However, if you land…

As mentioned yesterday, I had the pleasure of moderating a fireside chat with Joanne (Jo) Dewar during IFGS last week. If you don’t know Jo, she’s a bit of a legend. You can find out all details here and, although she has achieved a lot in her career, her latest move is an interesting one:…

I was at the Innovate Finance Global Summit last week and it was fantastic, as can be seen by the pic above of the CEO and Chair having a whale of a time on stage. The job I had to do was interview Jo Dewar on stage who just launched Project Nemo (more on that…