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Shaping the future of finance

Fintech

What’s next for FinTech?

Money 2020 has just dropped an interesting report talking about FinTech 2.0 (although I’m already on FinTech 5.0). In fact 2.0 is a pretty old idea, as outlined in this blog from June 2016, so I think the context of the report is a bit off but the content is pretty good. Here’s the Executive…

If you think Open Banking is where it’s at, think again

As someone who has set up a number of small businesses, there are three major tasks that I hate: Doing the accounts Tax returns Invoices As the business owner, all I want to do is my job, to have fun, to get on with creating more customers and more business. However, the issue with accounts,…

The radical restructuring to be digital – did you miss it?

I posted a joke the other day. The joke was that we had not ordered anything online yesterday, and our usual delivery guy called by today to check we were OK. The joke made me realise something. The realisation is that we really have pivoted from a world of stores and streets to a world…

Fintech is reaching the parts banks could never reach

FinTech is reaching parts of the planet that could never be reached before. Actually, it’s not FinTech. It’s the network. By way of example, way back in 1995, I was asked if I seriously thought someone could make a payment from the top of Mount Everest? I said yes, and they did in 2013. Since…

FinTechs, are you worth it?

Very interesting article on AltFi about FinTech unicorns tripling in value this year. Here’s a few selected lines: In the first quarter of 2021 alone, UK fintechs raised more than $2.9bn in funding, an increase of 331 per cent on the same period in the year before … in June 2020, Checkout.com became one of the first fintechs…

The world wide web of deceit

The balance between regulation and innovation. On the one hand, a country wants start-ups to start up in their country; on the other hand, when dealing with financial services, you have to ensure that it is done in a way that protects citizens and society. That’s a delicate balance, as I’ve blogged about a lot…

Are Monzo’s growing pains, major pains?

Building on yesterday’s blog where I mentioned Monzo’s issues of client onboarding, I mentioned that, for the past few months, I’ve noticed many tweets from Monzo customers about accounts being closed suddenly, with no explanation. Each time, I’ve shared the information and copied Monzo and asked them to explain. Hey Chris 👋 Thanks for expressing…

China’s drive to reduce poverty

It’s a bank holiday weekend, and I would normally switch off. But no. Like so many of us, I’m still watching the news, keeping up-to-speed on twitter and facebook, scanning my emails and getting links. One link led me to a documentary on YouTube. It hooked me because someone mentioned that a 70-year old Grandma…

What is the future?

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