What’s worth more: Armycoin or Swiftiecoin?
We teach our children to read and write. It’s a priority. Why don’t we teach them to understand money? Surely financial literacy is as important as basic literacy? Some people get this, and some people don’t, but I woke up to this big time reading a few recent articles. For example, Claer Barrett writes in…

The end of P2P finance?
I was really surprised to see the announcement by Zopa this week that they were pulling out of P2P (peer-to-peer) lending. As the company that started the FinTech P2P lending and FinTech buzz imho, how could they? I was angry and annoyed, and then remembered something: Following consultation, the Financial Conduct Authority (FCA) is introducing…

What should a car sound like?
Banking, like most industries, is being challenged by technology. I don’t say disrupted. Music, entertainment and other industries may have been disrupted. I think banking is challenged. But when I look out at the world, what does surprise and possibly amaze me is how some industries are adapting. We’ve seen banking adapt – who needs…

What if banking was football?
I was watching Match of the Day the other day and realised how much football moves and changes. Teams of yesteryear are now champions of Europe, whilst teams that were my shining lights growing up are now shadows of their former selves. I wonder if that’s what we’re seeing today in banking and finance? In…

The future of banking (research)
Jim Marous at The Financial Brand just published a survey of what his readers think the future of banking holds. Before you read the results, here are mine: Retail banking focuses upon integrating everything digital Commercial banking focuses upon digital currencies for global trade Investment banking focuses upon the tokenization of equities and trading Simples! What…


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