Building the financial ecosystem one deal at a time
I have a few favourite FinTech firms: Ripple, Prosper, Lending Club, SoFi, Zopa, Monzo, N26, TransferWise, Klarna, Stripe, Alipay, WeBank and more. A lot of it is because I knew these firms as fledglings and have enjoyed watching them grow up. One firm in this crew is Wirecard, the German bank behind many of Europe’s…

Always look on the bright side of life
The non-stop coverage of coronavirus, global markets slumping, an economic armageddon, the end of the world due to a climate emergency, the melting of the Arctic and Antarctic ice, rising of the oceans, weather fatalities, a farce of a US election, the UK and EU in a stand-off over Brexit, the cancellation of the Olympics…

Did you take the world for granted?
It’s very strange times. I’ve taken travel for granted. For years, I’ve been used to open borders, easy connectivity and access to airports. The internet then fuelled that ease of movement and connectivity. Suddenly, via social media, my friends are in Tokyo, Kuala Lumpur, Sydney, Mumbai, Lagos, Paris, Milan, New York, San Francisco, Buenos Aires,…

The rush to digitalisation post-pandemic
I’m getting a lot of people asking questions about what I think the coronavirus will mean long-term in the financial markets, so I’ve tried to jump forward to look back. Obviously, the big thing about a pandemic is that people are being told to stop meeting each other. Conferences, events, gatherings, office work, packed trains…

#Coronavirus, cash and the breakup of the Eurozone
I’m sitting staring at the wall. It’s been a long time now since being in a face-to-face meeting, conference or catching a flight. I’m staring at the wall. Thinking. Thinking. Thinking … what’s the meaning of all this? What’s the meaning of life? What’s the meaning of money? Money is meaningless … it’s generated out…

OK, but the end of cash must be in sight? #coronavirus
Last week, MIT (Massachusetts Institute of Technology) issued their top ten technologies for the next decade, one of which is digital money: Unhackable internet Hyper-personalized medicine Digital money Anti-aging drugs AI-discovered molecules Satellite mega-constellations Quantum supremacy Tiny AI Differential privacy Climate change attribution This was selected due to Libra and the digital currency developments in…

The end of cards and cash … not yet, according to Deutsche Bank Research
I just found that Deutsche Bank Research issued three in-depth reports in January looking at the future of payments: Part I: Cash: The Dinosaur Will Survive… For Now Cash will survive. But digital currencies’ potential could re-balance global economic power. Part II: Moving To Digital Wallets And The Extinction Of Plastic Cards As changes in…

The end of cards and cash … just fifteen years late
I just received a report from Deloitte about credit and debit cards. It says the future is not so bright: “more payment choices, along with changing consumer preferences, are threatening the long-term viability of the credit card business model.” Damn. I said that fifteen years ago. It made me think about what I was presenting…


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