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10 Fintech predictions for 2016

There are a lot of Fintech forecasts out there but two of the best I spotted were by David Gyori and Pascal Bouvier, so I decided to take the areas I agree with most to provide a few headline Fintech predictions for 2016 of my own: #1 PayPal will be …

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Fintech by the numbers

I’m often asked how much is being invested in Fintech and where is it going?  Based upon a lot of assumptions and studies, the figures this year look like they’re heading near $30 billion invested in Fintech, with most in Silicon Valley.  A third is in payments, of which 10% …

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Alibaba’s secret sauce

Jack Ma quote

I saw a fascinating presentation by Porter Erisman, author of Alibaba’s World, last week.  Porter was involved in the early days of Alibaba, having lived in China since 1994.  As an American in China it must have been a fascinating experience, and Porter talked about how Alibaba was formed and …

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Why are Fintech start-ups avoiding the core of banking?

In that same dialogue about when banks should act to block, buy or beat new competition, I realised that the new competition is doing something quite clever.  Unsurprisingly, Fintech firms look at banking and realise that it’s pretty dull and onerous stuff.  AML, KYC, compliance, audit, regulatory reporting, rules and …

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Where is the banks’ tipping point?

I had an interesting discussion about change in the banking markets again the other day.  We were citing emerging new players like Square, Stripe, Klarna and Lending Club, as well as players that have already emerged like PayPal and Apple Pay.  In all of these cases, my colleague felt that …

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Are bankers just rearranging deckchairs?

Armourers Hall

I had a really interesting evening this week, moderating an industry roundtable with panel participants including: Cliff Moyce, Strategic Adviser, DataArt Chris Barker, Managing Director, Global Head of Digital & Engineering Services, RBS, Mike Powell, Managing Director for enterprise capabilities, Financial & Risk, Thomson Reuters Scott Eblen, Chief Product Officer, …

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The end of a ‘bank account’ as the digital me takes over

I had a really interesting conversation with Chris Barker, Head of Digital and Engineering for Royal Bank of Scotland.  As usual, the conversation moved around data analytics, deep learning, artificial intelligence, building enterprise data systems, separating content from processing, re-platforming the back-end infrastructure and core systems and more.  I’ll write …

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Trust me, I’m a robo-advisor

We always want to complete things, and it makes everything interesting when it comes to the psychology of money.  It is the reason why all the offers you get are for 9.99 or 99.99.  It makes you feel it’s cheaper than 10 or 100.  It is also why we stand …

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We need banking and yes, we also need banks


I realised recently that my course of opinion is rather different to several other commentators and felt it worth noting where we agree and disagree.  Where I agree with most FinTech people is that: Digital replaces physical FinTech is changing banking forever Mobile is getting rid of cash You can …

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