I just got a fascinating document sent over from the White House. Bearing in mind, the White House is the American civil service and not directly communicating Donald Trump’s opinions, thank goodness, their reports are often really insightful. This one really hooked me as it is all about AI and the Great Divergence. The Great…
Many believe the big themes of Davos last week were around Donald Trump, his ambitions to take over Greenland and Canada, and Mark Carney’s speech. Stop “living within a lie”, Mark Carney #Davos They were the headline news but, underneath those headlines, the main theme of Davos was AI. AI featured in almost every session…
I just watched The Life of Chuck based upon a story by Stephen King (strongly recommended). Throughout the film, it constantly references Carl Sagan’s Cosmic Calendar. The Cosmic Calendar compresses the 13.8-billion-year history of the universe into a single calendar year, where January 1 is the Big Bang and December 31 is the present*. At…
I often talk about quantum computing and how it could break the encryption keys of our current financial system, including bitcoin and cryptocurrencies. In fact, the first time was seven years ago, when I referred to The Quantum Resistant Ledger. Even way back then, there was a company working on ideas to avoid encryption…
Waking up today, I am shocked to see the headlines about aliens wrecking the world’s financial markets. Apparently, various American politicians have kind of confirmed that aliens are real, admitting to an 80-year cover-up including Dulce Base in New Mexico and Area 51, Nevada. The reason this came up today is that, if confirmed true,…
Following up on yesterday’s blog, is there a solution to the social inequality debate? Well, there are many that have been tried, but they were all fatally flawed. Communism led to dictatorships and autocracies; taxing the rich to give to the poor sounds good in theory, but fails in practice (just look at the number…
I just got a summary of my new book from the publishers. It comes out in the summer but, for those interested, here are the key messages: Core Thesis The book argues that banking is entering its third great technological revolution: Mainframe era → automation and scale Digital era → connectivity, mobile, fintech, experience Intelligence…
How could I write a series of 2026 predictions without a specific focus on fintech and cryptocurrencies? The headlines are that: Systems Become Proactive: Technology shifts from reacting to events to anticipating needs AI Becomes Invisible Infrastructure: Intelligence moves from tools to embedded decision-making Digital Layers Disappear into Daily Life: Identity, security, payments, and compliance…
Continuing with this year’s outlook, I was also impressed by EFG’s report on the top themes for 2026. EFG is a Swiss Private Bank, and their view of this year falls into three main categories as articulated by Moz Afzal, Chief Investment Officer of EFG, in the opening section. As we frame our outlook for…
