Or will CBDCs destroy banking?
I keep wondering about the future. Governments vs Libertarians? Centralised vs decentralised? DeFi vs CBDC? My conclusion is CBDCs will win, in the financial markets. Why? Because money is critical to our lives. It’s a key. You cannot ignore it. It’s what we created to make society orderly. I discussed this a lot and in…

Who wants a Nanny Bank?
In the UK, we talk a lot about The Nanny State. There’s this idea that government can be too controlling and demanding, and treats us like children and they are our nanny guardian. It reminds me of this sketch from Tracey Ullman … Jacob Rees-Mogg in #traceybreaksthenews and #traceyullmanshow @bbccomedy pic.twitter.com/C7sKOjlLGl — Tracey Ullman Fans (@TraceyFans)…

The post-COVID payments perspective [an interview with GPS]
I’ve talked about Global Processing Services, GPS, a few times now. They’re the power behind payments processing at several major start-ups like Curve, Revolut and Starling Bank. Anyway, during this crisis, I decided to have a chat with them in more depth and interviewed Shaun Puckrin, Chief Product Officer. You may find it enlightening. An…

The name is Cohen … Stephanie Cohen
There have been two major announcements of women as leaders of banks in the USA in the past month. First, Citibank announced that Jane Fraser would be the new CEO and then Goldman Sachs announced that Stephanie Cohen would head up their consumer and wealth management operations. I noted that a few friends – Theo…

Banks cannot avoid politics
It shows what a complex world we live in within our financial markets. We debate whether companies should get involved in politics, but banks cannot avoid politics. Banks are integral to governments and economies and, as such, are a political tool. Equally, banks choose to operate in markets that could be positive or negative to their…


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