What is the secret sauce of #Revolut’s success?
I’ve been surprised recently by non-stop news updates about how well Revolut is doing. From getting its UK banking license, which was suspect for a while, to achieving the milestone of 50 million customers, 2024 has been a pretty phenomenal year for the company. Then they announce next years plans which include AI-driven finance, super…

Jobs of the future, Part Two: the Counsellor
I wonder whether, tomorrow, we will find machines that advise us on our life decisions, our relationships and our thinking. It is obvious that AI machines will manage our health and deploy robotic healthcare services to ensure that we live our lives better, but what about what is inside our heart and mind? I used…

Regulate the regulator
Last week, a report was released by the UK’s Parliamentary committee saying that the UK regulatory body for financial conduct – the FCA (Financial Conduct Authority) – is “incompetent at best, dishonest at worst” and that it has a “toxic culture”. This is based upon an investigation of the FCA which took almost three years…

Focus on things machines CANNOT create
I got another good question in my banking session the other day: AI disruption will be transformational to banks revenue generation and cost optimisation. How do you see the people and organisational model of banks developing as they harness its benefits? This is a tough one, but the answer is clearly that everything that can…

Cryptocurrencies boom for the next four years
It seems like most of the news this week has been about bitcoin and cryptocurrencies. Between Donald Trump, a crypto convert, and Elon Musk, a crypto enthusiast, everyone is now getting in on the game. By way of example, here’s a few headlines in the past week: There’s another big winner of the US election:…

One Fed’s view of how AI will impact finance
I was interested in this speech given the other day by Patrick T. Harker, President and Chief Executive Officer of the Philadelphia Federal Reserve Bank, because its title was: Fintech, AI, and the Changing Financial Landscape The speech is broad, and focuses upon the risks of artificial intelligence (AI) and machine learning (ML) to the financial…

Forget Return on Investment … focus on Return on Innovation
I stumbled across this clip the other day of Jeff Bezos on The Tonight Show twenty-five years ago. Jay Leno asks him how the company can be worth billions when it consistently makes losses. Jeff Bezos laughs along but then says: “we are a famously unprofitable company, but we are investing in the future”. We…

Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us
What is the future?

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