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Future

Who caused this crisis and what’s next?

David Li CDS Formula

We're about to take an Easter holiday and so I thought I would leave you with food for thought until Tuesday. There are some fascinating ideas floating around about this crisis over the last six months: from nationalise all banks to hang all bankers; from the collapse of capitalism to …

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Banks should be cannibals

After my blog about the multichannel myth last week, it made me realise that banks need to become cannibals. Banks should launch new channels that eat their old ones alive, rather than trying to bolt these new channels onto their old bank. Banks can only be brilliant at one channel …

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Great predictions of the past

It's easy to catch people's prediction out in hindsight, with the most common ones being things like "I see a worldwide market for about five computers" from Thomas Watson, IBM's CEO in the 1950s, and "640k is enough memory for anyone" from Bill Gates. Now there's a website dedicated to …

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Great predictions of the past

It's easy to catch people's prediction out in hindsight, with the most common ones being things like "I see a worldwide market for about five computers" from Thomas Watson, IBM's CEO in the 1950s, and "640k is enough memory for anyone" from Bill Gates. Now there's a website dedicated to …

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If you don’t think video is the next revolution

I've blogged regularly, predicting that video connectivity will revolutionse banking.  In particular, it changes the game because face-to-face comes back as a critical differentiator, but also because I will be able to see directly into the back office, the call centre, the heart of bank operations. Right now, banks don't …

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Social lending: from baby to child

Zopa announced results this week that showed lending had risen 140 percent year on year. In short, Zopa offers a lean and mean, razor thin margin system for loans.  As an lender, I enter Zopa and place an amount – let’s say $10,000 – in the system. Zopa then spreads that loan …

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The biggest barrier is our legacy mentality

On regular occasions I talk about disruptive models of banking and payments, such as complementary currencies, the new European Exchanges, Paypal, Zopa and SmartyPig. The aim is to illustrate that there is the potential to do banking without banks. This is not to say that I believe people want to …

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What will the world be like in 2019?

Microsoft have just released a collage of technologies they believe will be in play in 2019: <p>&lt;p&gt;&amp;amp;amp;lt;p&amp;amp;amp;gt;&amp;amp;amp;amp;lt;p&amp;amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;amp;lt;a href=&amp;amp;amp;amp;amp;quot;http://video.msn.com/?mkt=en-GB&amp;amp;amp;amp;amp;amp;amp;amp;amp;playlist=videoByUuids:uuids:a517b260-bb6b-48b9-87ac-8e2743a28ec5&amp;amp;amp;amp;amp;amp;amp;amp;amp;showPlaylist=true&amp;amp;amp;amp;amp;amp;amp;amp;amp;from=shared&amp;amp;amp;amp;amp;quot; target=&amp;amp;amp;amp;amp;quot;_new&amp;amp;amp;amp;amp;quot; title=&amp;amp;amp;amp;amp;quot;Future Vision Montage&amp;amp;amp;amp;amp;quot;&amp;amp;amp;amp;amp;amp;amp;amp;gt;Video: Future Vision Montage&amp;amp;amp;amp;amp;amp;amp;amp;lt;/a&amp;amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;amp;lt;/p&amp;amp;amp;amp;gt;&amp;amp;amp;lt;/p&amp;amp;amp;gt;&lt;/p&gt;</p> It includes a montage of new concepts, as well as some of the clips used in their envisioning series.  If you haven't seen those, here's …

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