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web 3.0, the 2010s and an internet of markets

Now we move onto the third-generation internet, web 3.0.  What is web 3.0?  It’s not been well defined or described.  Many would say it’s the internet of things, but I disagree.  The internet of things is emerging, but it cannot exist until a bridge between the mobile social network and the internet of things has…

The Birth of Computing and Development of the Web

The last chapter of ValueWeb talks about what comes after the third generation internet: the internet of value.  This is the internet being built today, based upon shared ledgers, cloud, apps, APIs and analytics.  Of course, the next generation is the internet of things.  But what comes after that? There is an answer, but you…

We must automate humanity

Building on yesterday’s blog, there was another interesting debate about the risks of humans in the network.  Humans screw up.  Humans cause problems.  Humans have emotions.  Humans are not welcome here. A good example of why humans are not welcome is that it is typically human error that causes issue.  A self-driving car is likely…

You can never automate humanity

I was in a long conversation about machine learning yesterday that will probably inspire a lot of blogging.  One of the key parts of the conversation was the integration of robotics and artificial intelligence.  When you can make love with a human being that doesn’t talk back, why would you want a real one?  Let’s…

Who needs a financial centre?

For ten years, my friends cover at Z/Yen have been producing the Global Financial Centres Index (GFCI), on behalf of the City of London.  It’s a research program where people can answer the survey questionnaire and, from those participating, the different cities of the world vying to be financial hubs are ranked.  Around 2,500 people respond…

How banks are getting around open banking and PSD2

Banks are scared.  They’ve seen the rise of the new world of open APIs, apps and analytics and know that their organisations are not yet ready or fit to change to that world.  What to do? Well, the easiest thing to do is to block access to the bank’s data.  If third party FinTech firms…

The AML conundrum solved?

I outlined yesterday the fact that 98% of money laundering goes unchecked, allowing $1.6 trillion a year to be used for terrorist funding, drug dealers, sex traffickers and possibly worse.   This was prompted by a conversation about AML (Anti-Money Laundering) with the CEO and Co-Founder of I met Coinfirm, Pawel Kuskowski. So what’s the solution, is how…

Laundering-as-a-Service (a bank USP)

I was surprised the other day when I met Pawel Kuskowski, CEO and Co-founder of Coinfirm, a start-up firm offering Compliance-as-a-Service.  Pawel has been trained in compliance and AML, having worked with some of the world’s biggest financial institutions including AIG (Compliance Officer), UBS (Director of Compliance, Compliance and Operational Risk Officer) and RBS (Head…

11 FinTech trends you need to follow

The first few weeks of 2017 bombarded us with articles predicting the future of fintech and financial services.  I’ve now analysed them all and identified the top 11 trends that the leading banking and FinTech experts agree we should be following now.  Here’s the trend breakdown: Removing friction from the customer journey Rise of insurtech Rise of regtech…

Technology is key to banking future … really?

It’s intriguing to see how the world has now got the FinTech message.  The Telegraph ran a conference about it (I was there); The White House has published a report on it;  America’s Celebrity Apprentice has one of our own on it; and The Banker has run a magazine feature dedicated to it.There’s even a…

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