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Fintech

Fin and Tech is like Father and Son

I find it interesting when you look at the Fintech start-up scene and the hotbed of interest now in the blockchain.  There are 100s of companies attempting to do something in these areas, and it amuses me that my Beer and Bordeaux clash is even more notable in this emerging …

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The start-up economy

I seem to find myself travelling all over talking about innovation and meeting start-ups.  It’s the start-up economy, and there’s probably been no better time to be young, hopeful and visionary.  Thinking back to my younger days, leaving university, the idea of creating my own company was unheard of.  Everyone …

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Eventually everything will become a bank

I just had an interesting discussion with a banking colleague who has been investing in start-ups.  He said that many of the firms begin with a belief that they will succeed because they are not a bank. A business strategy based upon attracting consumers by not being a bank, is …

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A Kaleidoscope of #Fintech [Infographic]

I don’t get to use the word Kaleidoscope often, so finding this excellent Infographic that includes me and a few friends, gives me the chance to throw it into the blog for a change.  After all, this Infographic provides a veritable Kaleidoscope of Fintech. As we all know, Fintech is …

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Reflections on Finovate Europe 2016

I was going to write a long wordy reflection on this year’s Finovate, which took place over the last two days in London, but was beaten to it by Benjamin Ensor and Oliwia Berdak of Forrester so, rather than writing my own view, here’s theirs: Finovate 2016: Automation And Personalization …

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#Fintech 2.0: The Great Rebundling

I’ve been presenting the idea for a while now that banks are not being disrupted or unbundled, as so many claim. It’s a nice idea but completely misunderstood.  The disruption idea assumes that banks will let it happen, are not awake, will not respond, can’t respond, don’t care and couldn’t …

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Is it Fintech or Techfin (Part Two)

In part one, I talked about the views of the Fintech start-ups who begin with thinking: how can I transform this financial process using technology?  Banks think differently and begin with thinking: how can I apply technology to this financial process?  The core difference is that banks think Techfin rather …

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Is it Fintech or Techfin (Part One)

In conversation with bankers and start-ups, it is clear that there is a differing view of the world.  It is not as clear-cut as nimble innovator versus dinosaur incumbent, which is how many portray this chasm of difference of thinking, but there is a difference in thinking.  It is a …

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Digital? Not when it’s Material!

I blogged a short while ago about Roboadvisors, and with the recent stock market meltdown due to China’s economy slowdown, it’s interesting to see today’s Financial Times talking about the impact on these fledgling firms. According to the FT, the emergent roboadvisor market that includes Personal Capital, Betterment and Wealthfront, and …

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