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HSBC and Standard Chartered are wrong to kowtow to China over Hong Kong

I keep saying that I don’t want to be political on this blog – I’m not qualified and it’s not why you read it – but, as a human being, I cannot ignore things like Black Lives Matter, the lockdown approaches of different countries, the suppression of religious groups, the wars that continue (especially in…

BaaS works, it’s the regulations that don’t

During my MoneyBox interview about Wirecard (see end of this blog), Paul asked me the question: how could this happen again? What’s next? And I said, we learn from our mistakes. Progress never stops. Wirecard won’t shut down FinTech. It will amend it. This means this is not the end of Banking-as-a-Service (BaaS), but an…

Wirecard or Weirdcard?

Another day and another headline about Wirecard: ‘The money’s gone’: Wirecard collapses owing $4 billion Wirecard’s Missing Billions Forces Out CEO, Panics Lenders Wirecard: Former boss arrested over €1.9bn scandal How Wirecard fooled most of the people all of the time Inside Wirecard EY failed to ask for Wirecard bank statements for 3 years Softbank…

The world’s best banks, according to Forbes

Forbes just launched a list of the world’s best banks, based upon a survey of over 40,000 consumers in partnership with Statista. I’m always wary of such surveys as, like influencer lists, they often reflect the world they want and miss a lot of what’s really happening. Nevertheless, there are some interesting comments in the dialogue…

An economic catastrophe and an apology

I got hauled up the other day by someone who thought I was very insensitive in blogging about this crisis as an economic one, but not a catastrophic one. What I actually wrote was (I’ve amended it slightly since): Someone wrote the other day that this pandemic is like a world war. It’s not. A world…

This is no Black Swan (Part Two)

I was having a bit of ding-dong over my article about the coronavirus pandemic being perfectly predictable and not a black swan. There are many who believe the reaction to the pandemic is a black swan, as in the lockdown of Planet Earth. Hmmm … what reaction did we think we would have to a…

Is the whole system about to fail?

I’m a simple guy. I don’t trade or invest much. That may seem surprising for a FinTech guy, but most of what I’ve invested in seems to lose value. As a result, I collect rare comics instead as Batman, Spiderman and Ironman are forever. That being said, I do follow some of the leading figures…

2020: No Vision (I thought we were an autonomous collective)

Like many, I’ve watched 2020 unfold with a mixture of shock and horror. It began with Australian bushfires followed rapidly by the coronavirus pandemic and now the Black Lives Matter demonstrations. My real shock was that there could be so many global demonstrations during a major global lockdown. Do rules matter? Not really. But then…

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