Future

I was intrigued by The Financial Brand’s autumn (Fall) magazine about younger folks or, as some call them, Gen Z. Personally, I’m not a fan of demographics. You can throw people into buckets of ages, but not everyone of a certain age behaves the same way. Neverhteless, there are some interesting perspectives of how Gen…

I was asking the other day whether it is better or worse that my children play video games rather than watch movies, and the reaction was: time moves on. It surely does. The gaming industry is now bigger than Hollywood and music combined, so what do I know? According to a report by SuperData Research,…

I just got a copy of Gartner’s emerging risks report for the second quarter 2023. A summary of the report is below but, before you read that, the charts speak volumes. First, we talk about PEST – Political, Economic, Social, Technological – forces for change. Right now, unsurprisingly, most change forces are based upon economic…

It’s coming. It’s been talked about for years. It’s finally here. Tokens. Physical and digital assets are being tokenized. In fact, maybe your DNA has been tokenized. Soon, everything will be tokenized. We talked about this years ago, but it’s notable that VISA, SWIFT, BNY Mellon and JP Morgan are now tokenizing. In a number…

In June, the EU put forward proposals for a new Payment Services Directive, PSD3. Having been involved in these developments since their inception in the 2000s, I was intrigued to read the text of PSD3, particularly as the main point bankers made about PSD2 is that they were forced to open up to Third Party…

There have been quite a lot of annoying changes to twitter in recent months. Rebranded as X with a scruffy looking logo, the service is trying to monetize its users by making the services more and more difficult to use … unless you pay. From an owners view, that makes sense. The platform needs to…

You all know that I love future trend watching and so when I stumbled across Roland Berger’s Compendium of Future Trends through 2050 … how could I resist? After all, I have already given my view on the world of 2050, but Roland Berger may be more credible as they ar a global consulting firm competing…

As someone who has been writing most of his life, and specifically books for two decades, the singular focus on technology and finance has been an interesting journey. The breakthrough came in the early 2010s for me, when Digital Bank was released. Since then, I’ve travelled the world meeting visionaries in banking, finance and technology,…

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…