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The economic outlook post-pandemic: more caring and sharing?

There are 100s of economic forecast reports out there, but I got one this morning from the Asian bank DBS with the following headlines: Growth normalising The reopening of US and European economies points to a snapback in economic growth and inflation. We see central banks gradually tapering their asset purchases while holding policy rates…

When two tribes go to war …

I was struck the other day by how many words are bandied about so much that they become meaningless. Then realised that many of these words fall into buckets. Then listed the buckets and they fell into two tribes: digital and analogue. The list is non-exhaustive and misses some bits that should be in there,…

Why did HSBC dump their biggest corporate client?

Talking about HSBC often drags me into political controversy. For example, when I criticised the bank for not making a stand over the Hong Kong protests, I got a lot of pushback. Frankly, I don’t like to dip my feet into political waters unless forced to and, in the spirit of that thinking, I was prompted…

What’s next for FinTech?

Money 2020 has just dropped an interesting report talking about FinTech 2.0 (although I’m already on FinTech 5.0). In fact 2.0 is a pretty old idea, as outlined in this blog from June 2016, so I think the context of the report is a bit off but the content is pretty good. Here’s the Executive…

Rebel with a cause

I’ve grown up angry. Angry with the system, angry with the world, angry with the way things work, angry with me. Not great, huh? I need some anger management. I meet people who are laid back, who are relaxed, who are chilled. That’s not me. I’m a troublemaker. A fire starter. Thing is that I…

Can machines replace humans?

Yet another day of reflections – too many of those lately – and thinking about generations. My parents were war parents, living through the Second World War; their parents were people growing up in Edwardian Britain as a carpenter and housewife. Things were different. I don’t remember my parents struggling, although I know my grandparents…

Our global village: meet the Earthians

I grew up in a village, miles from the nearest town. I moved to a city in the north after university and then to London for work. I enjoyed my work and yearned to travel. Luckily, my work allowed me to travel. I’ve been to more countries than I care to mention but then, back…

Five strategic themes to focus upon

There are five main themes driving where we are today and tomorrow: digital transformation; inequality and inclusion; having a clear purpose; stakeholder capitalism; and digital transparency. The network is connecting us all. This is a digital revolution. We are breaking from the past centuries of industrialising everything to the next centuries of digitalising everything. It…

What currency will you be using in 2121?

Having watched the emergence of cryptocurrencies, digital currencies, blockchain and Distributed Ledger Technology (DLT) for a decade, I have made a firm view. Most of the people involved in this space are deluded and naïve; most of the people involved in this space don’t understand the system or how things work in the world; and,…

We are the Robots

I’ve claimed for some time that machines cannot do what humans do, because they have no heart. They purely do what we program them to do. True. Yet if you watch movies from Ex Machina to Terminator, machines can turn to do what they want to do once we’ve programmed them. It’s all about the…

Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us

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