Future

Thinking about money being inside my head, it already is in many ways. When I go around paying for things, I’m not focused upon my balances but on living my life. In the back of my head is that awareness that debits are going down and credits up, but the actual numbers are generic and…

I was thinking about embedded, intelligent finance and imagining the future. There are many scenarios, but one that I kept returning to is when you have infi inside (intelligent finance inside). A chip in your brain, and you can run your life on automatic. It may seem phantasmagorical but there are several examples of where…

My typical day is spent with news channels in the background. It makes me feel like I’m in an office. The non-stop chat and talk of people about the problems of our world. Thing is that, the more you hear global news, the more you get depressed. Good news is not news. The celeb gossip,…

Although we can mock consulting houses, their research can prove incredibly useful. This is why I’ve just put McKinsey’s top 15 technology trends report at the top of my inbox. Here is the summary McKinsey Technology Trends Outlook 2023 After a tumultuous 2022 for technology investment and talent, the first half of 2023 has seen…

Apple rules the world. Assailed by Google/Alphabet, Facebook/Meta, Samsung and more, Apple has sustained an incredible trajectory to become a three-trillion-dollar company. Apple is now worth more than the entire FTSE100 list of companies … In terms of competitors, only Microsoft comes close which, some say, is mainly due to OpenAI’s ChatGPT, but Apple’s dominance is…

Related to the end of cities – yesterday’s blog – is the fascinating friction between employers and employees over where to work these days. Some believe you have to come back and work in the office whilst others protest and claim you can work from anywhere, even on the beach. Who is wrong, or are both…

I’ve blogged several times that, as people move to online everything, the retail main street stores and shopping malls are dying. In a similar fashion, bank branches are closing faster than ever and becoming restaurants or coffee houses So, inevitably the question has to come up: what about the post-pandemic City? Bloomberg reports that “oversized…

We’ve all seen the massive discussions about artificial intelligence (AI) lately. Can we regulate it? What does it mean? Will we all lose our jobs? How can it be used in way that helps humans and does not destroy them? It is a debate we had in financial markets for years. Back in the last…

Marc Andreesson of Andreesson Horowitz fame, the leading investor in fintech start-ups, published a long piece on how AI will save us the other day. It is well worth a read, but it is a long read (about 30 minutes) so, if you don’t have the time, here is a short summation of what he…

I recently presented at the DIFC’s first Dubai Fintech Summit on the past, present and future of banking, finance and technology. It was fun, but with only twenty minutes, it was fast. So, here is that presentation and transcript if you are interested … Slides:  Video: Transcript: Some of you may know me but,…