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Key take-away from #SIBOS 2025: it’s no longer banking and payments

Watching Sibos from afar – I haven’t been invited for a while due to being too provocative – I was not surprised to see that Quantum computing, AI, CBDCs, stablecoins, tokenization and blockchain are all making the headlines, as these are all the themes I spend my time presenting about around the world. Cybersecurity, AI…

How much is Harry Kane’s toe worth?

I’ve just created a platform to tokenize idols. Any idol and even bits and pieces related to them. You can tokenize Taylor Swift’s underwear; tokenize Rory McIlroy’s golfing glove; tokenize Ryan Reynolds Wrexham shirt; or even tokenize Harry Kane’s big toe. After all, any part of an idol is worth something to a fan, so…

If digital is at the core, when do you need to be physical?

Building on the last two blogs all companies, not just in finance, have been transformed through the connected, network economy. That was the last decade’s worth of digital transformation and has led analogue companies hoping that they are now digital natives, although many are digital immigrants, still with a log of their old analogue systems…

Becoming intelligent: the next wave of disruption

I was thinking more about this third revolution of financial technologies. The first was very much focused upon automation administration using mainframe computing;  the second moved from pure cost reduction to the changing dynamics of how to leverage productivity and cost using the network effects of connectivity, and driven by cloud and mobile; the third…

It is time to level up

We are in a third generation of change in finance. When I wrote Digital Bank over a decade ago, the focus was all about reinventing banking from being physical at the core to being digital at the core. Now we have to do it all again and reach the next level where the bank is intelligent…

Wallets? Where we’re going, we don’t need wallets!

A few years ago I was running a book launch in a basement. On this occasion, people had to buy the books and so the promoter gave me a Square terminal to take card payments. So far, so good … except there was no signal in the basement. No Wi-Fi, no 5G, no nothing, no…

Money and currency is all about power and politics

It’s been really interesting watching the moves of Donald Trump to Make America Great Again by doubling down on the dollar being the reserve currency of the world forever more through the GENIUS Act. Well, that’s my take anyway. Add on to this that the Trump family made billions by launching World Liberty Financial, their very…

Everything is a scam and why principles matter

I clicked the other morning on Nicoo, the robot puppy, after seeing an ad on YouTube. I was going to order it for my wife’s birthday but thought, just before clicking, is this real? So, I go and Google Is Nicoo legit? and immediately realised it’s not. Later that morning, an email arrived saying that…

Why you should not compare SWIFT and blockchains

I’ve been talking a lot about stablecoins of late and, in a timely fashion, Jas Shah at Fintech: Under the Hood has just landed a great primer all about such things. A Stablecoin Primer: Money for the Digital Age TL;DR Quick Take Stablecoins have evolved from early crypto-pegged concepts to fiat-backed instruments like USDC and…

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