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The difference between machine learning and artificial intelligence

I often point to a banks’ executive leadership team and ask the question: who can tell me the difference between blockchain and distributed ledger? If anyone even goes there, I then ask them to tell me the difference between artificial intelligence and machine learning. Few ever come out of that well and you may ask:…

The next global financial meltdown is just around the corner

Yep, there’s a clickbaiting title if ever I saw one. But it seems to be true. Ten years ago, we had a global financial crisis. Now, ten years later, the banks are heavily regulated, their risk-capital ratios stabilised, their leverage reduced and the regulators breathing down their necks, promoting competition and supporting technology innovators. The…

Oliver Wyman recommend banks don’t try to be digital? What rubbish!

There was quite a bit of coverage of an analyst report last week, putting forward the notion that big banks should forget converting the existing organisation, systems and structures, and start over. This one is from Oliver Wyman and, for me, it goes straight into the same bin as the Gartner forecast that most banks won’t…

Is the branch dead?

A regular discussion of mine has resurfaced in recent days: is the branch dead? Why it has returned is due to the announcement of Santander closing a fifth of its UK branch network: The Spanish-owned bank, which has one of the largest high street networks in Britain, will shut 140 branches, leaving 614 after the closures, which…

Will blockchain replace core banking?

I’ve got lots more to write about digital transformation and the things I’m learning from banks engaged in doing it but, to give you a break, I also have a couple of fantastic guest submissions which are worth sharing. Today’s share is from Simon Taylor, he of the blockchain fame from 11FS. Simon recently wrote…

My view of 2019

So, I’ve been summarising other people’s views of the year ahead from a variety of sources, but I also wrote two outline pieces for my friends at The Banker magazine and Jim Marous’s The Financial Brand. Just to finish off my week’s blogs about this year, here’s what I wrote. From The Banker: Why ‘real time’ will…

Crypto Forecasts for 2019

There has been a lot of thinking and rethinking during 2018 about blockchain, cryptocurrencies, bitcoin and everything digital currency related. I wrote about the challenges getting blockchains implemented for example, and was surprised to find myself enduing up as a network meme. The power of the pundit, ay? Last year we saw bitcoin drop from…

FinTech Forecasts for 2019

There are many pundits predicting change in banking and FinTech this year. Here’s a review of a few of the ones that have some depth. American Banker published seven FinTech predictions for 2019 by Bob Legters, Chief Product Officer of Banking and Payments at FIS. The seven headlines are: We won’t see the end of cash, but…

2019: The Year of Witty Protest

So yesterday, I gave you the top ten trends for 2019 from British Airways’ Business Life magazine. The article also discussed a range of other trends that are noteworthy, so here’s a quick summary of the other things to expect in 2019. 2019: The Year of the People This is the year of witty protest….

Ten Top Trends for 2019

Hello, hello and hello again. Welcome to 2019. A brand new, fresh, shiny year, and just out of the starting gate. Having said that, yes we are still talking Brexit and we still find a group of shady bankers knocking off billions. Same shit, different day, as Stephen King would say. Being a different day or,…

What is the future?

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