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Future

Are banks funding our extinction?

Readers of my blog may have realised that, over recent years, I’ve become a little bit passionate about saving the world. It’s our world. It’s the only one we’ve got. I’m quite keen to keep it here for that reason. Whilst coronavirus, disease and pandemics drive our thinking, we should …

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2020 is K-shaped

Everyone was talking about a V-shaped recovery in March 2020. Then it went onto a dialogue about whether it might be U-shaped or even W-shaped. Now, some economists are talking about a K-shaped economy. Some say this is all about the haves and have nots – the upper half are those …

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Reasons to be cheerful, blockheads

I wrote my blog the other day with the title Why I’m fed up with blockchain. It amused me to see how much backlash it created, particularly on LinkedIn where there are over sixty comments as of today. In fact one guy called Ajit even wrote a blog about my …

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Or will CBDCs destroy banking?

I keep wondering about the future. Governments vs Libertarians? Centralised vs decentralised? DeFi vs CBDC? My conclusion is CBDCs will win, in the financial markets. Why? Because money is critical to our lives. It’s a key. You cannot ignore it. It’s what we created to make society orderly. I discussed …

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Will DeFi destroy banking?

It has been a while since I sat back to think about the future bank. I talk about the future bank all the time, but the overall view of a bank in its totality. What will it look like in 2030 and beyond? I think it will still have branches. …

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Who wants a Nanny Bank?

In the UK, we talk a lot about The Nanny State. There’s this idea that government can be too controlling and demanding, and treats us like children and they are our nanny guardian. It reminds me of this sketch from Tracey Ullman … Jacob Rees-Mogg in #traceybreaksthenews and #traceyullmanshow @bbccomedy pic.twitter.com/C7sKOjlLGl …

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Why I’m fed up with blockchain

I’m winding people up with blockchain this week. As I was doing that, a song came back to me on regular occasion. A song about Blockheads. I went back to the song and re-read the lyrics. It’s about Essex Boys back in the 1970s. Not quite the world of today, …

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The name is Cohen … Stephanie Cohen

There have been two major announcements of women as leaders of banks in the USA in the past month. First, Citibank announced that Jane Fraser would be the new CEO and then Goldman Sachs announced that Stephanie Cohen would head up their consumer and wealth management operations. I noted that …

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Banks cannot avoid politics

It shows what a complex world we live in within our financial markets. We debate whether companies should get involved in politics, but banks cannot avoid politics. Banks are integral to governments and economies and, as such, are a political tool. Equally, banks choose to operate in markets that could be …

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