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The long-term banking future: who are the winners?

I’ve used a statement for a while now about the competitive landscape of finance in the future. It goes something like: Banks have millions of customers, billions of capital and centuries of history, but are hampered by heritage; Start-ups have no customers, little capital and no history, but are driven by vision; whilst Tech giants…

It will be all right

I don’t know how generations think. I only know how my generation thinks, and they call my generation baby boomers. It’s a massive net that catches me, even though I feel like I’m Generation X – a punk and new romancer – but hey, marketing people need their categories. We have Gen X, Gen Y,…

Tech firms will be regulated like banks in future

I just listened to a presentation by Nick Thompson, editor-in-chief at Wired, about all things in the future of tech. A lot of it was focused upon Artificial Intelligence and Machine Learning towards the end, but the first half was interesting as it focused upon why there is a backlash against Silicon Valley right now. He put…

Banking isn’t really about money

I’ve been tempted for some time to write a book about how sex is at the heart of commerce, innovation and money. I’ve alluded to it a few times, and particularly noted that the right honourable Jeremy Clarkson sometimes says something intelligent. “Money and rumpy-pumpy (sex) are the twin engines powering everything we do”. He’s…

The future of money (research report)

I just got a report from J Walter Thompson on the future of money and there’s some interesting facts and stats. Here are my headlines: 76% of millennials are looking for new forms of banking 40% of people in their twenties have downloaded a money management app 80% of millennials don’t invest in the stock…

How do you manage your digital death?

I just completed one of those things that none of us like doing, making a will. I recently had a major change of circumstances in my life, and decided that I should make appropriate updates and provisions. After all, who gets my Batman and Spiderman comics? Anyways, it’s been bugging me for a while that…

To understand banking’s future, it is important to think about its past

I was super impressed by an article written by FinTech friend Bradley Leimer for International Banker the other day, and asked if I could share on the blog. Bradley kindly said yes, so here you are. Enjoy the read! The Invisible Hand of Financial Services by Bradley Leimer, Managing Director and Head of Fintech Strategy, Explorer Advisory…

What FinTech means to banks

There’s a lot of discussion about FinTech and what it means to banks. Originally, everyone was talking about disruption, disintermediation and dissing banks. Then the discussion went to incumbents versus start-ups. Then it ended up last year about partnering and co-creation. I personally believe most of the discussion is off-beam and off-track. For example, there…

Digital banks are 35+ times more productive than traditional banks

I’m launching the new book Digital Human in New York on April 12 (if you want to come, register here), following on from our recent London launch. In London, I was delighted to host Ashok Vaswani, CEO of Barclays Bank UK, and Li Wang, Head of Alipay and Ant Financial for EMEA, as panellists to…

If deposit accounts disappear, what will banks do?

I was quite taken by a headline in yesterday’s news where Marcus Schenck, Deutsche Bank’s Co-Head of Corporate and Investment Banking, forecast that deposit accounts might disappear in the not too distant future. He was on a panel at Bloomberg’s European Capital Markets Forum and was asked by an audience member how he was responding to technology…

Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us

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