Financial people think digital will beat physical by 2030
I just picked up Deloitte’s report on blockchain where 76% of finance executives have voted that digital currencies may overtake fiat currencies in the next decade*. Most of us would just read that statement and go meh. Not me. That’s a phantasmagorical statement. People in finance think fiat currencies are dead? What? If true, we…

Who owns the mandate?
I was intrigued by a new report from the IMF entitled: The Impact of Fintech on Central Bank Governance (you can download it for free). I was particularly intrigued by its opening: Central bank governance is a concept composed of four constitutive and interrelated components: a central bank’s (i) mandate, comprising its objectives (the “why”),…

Fires to the left of me, floods to the right and here I am, stuck in the monsoon with you
I heard a statistic on the BBC that natural disasters due to weather are costing the insurance industry seven times more today than in the 1970s. Is that because people insure against such issues more today? Partly, but it’s also because there are more natural weather disasters happening. For example, take this chart from Statista: Source:…

Why I bought a Watford FC shirt, when I’m a Spurs fan [bitcoin]
A while ago, I spotted that Watford was sponsored by Bitcoin. They must have made a mint out of that and will be buying up Harry Kane soon, if he’s not already gone somewhere else. Nevertheless, I wanted their shirt. In fifty years, who knows what a football team shirt, sponsored by Bitcoin, would fetch…

What is ‘sustainable investing’?
I have a few friends who are climate deniers. That’s fine, they are entitled to their views, but I cannot accept that view. There’s too much science that shows the world is changing. Their argument – those who believe this is not a climate emergency – is that it’s just Earth going through its’ regular…

Banking on the game
This is a guest post by Matthias Kroener, a Bavarian who created Fidor Bank and then disappeared into the depths of gaming. Banking on the game The difference between gaming and gamification in banking Back in 1994, when I founded Direkt Anlage Bank (the first European discount broker) with a number of colleagues, it was…

Welcome to the Finverse
Am I the only one fed up with catchphrases in tech to create the Next Big Thing (NBT)? Cloud, Big Data, Platform, Ecosystem, Kubernetes and more are regularly catching an ember to try to spark a fire. Sometimes it works – Digital and Banking-as-a-Service (I’m biased as I was there first) – but some just seem silly. Take…

Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us
What is the future?

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