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Future

Fast follower strategies = final failures

I was having dinner with a friend the other night, when he asked me: “what do you think about the fast follower strategy?” I said it was stupid and doesn’t work. He then added that the major bank he’s working with are proud that this is their strategy. Now, here’s …

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We are the robots

I’m a technology lover. Always have been, always will be. To me, technology is like magic. “Any sufficiently advanced technology is indistinguishable from magic.” Arthur C. Clarke Too damn right Arthur. I love technology. But then I got to thinking about what technology is doing to us. To me and …

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M&A … Murder & Assassination

I was having a breakfast meeting with a banking friend who had recently been through a tortuous experience. His start-up had been acquired by a major traditional bank, and it ended with blood on the floor. The start-up got squeezed into the Empire, and it literally was like something from …

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Earth’s future is all down to the banks

I’ve been struggling for a while now. My struggle is that I love flying around the world, seeing new places, meeting new people, finding new things … but I hate polluting the planet. This was brought to a head this week in a back-to-back meeting on sustainable finance that made …

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When will the FinTech bubble burst?

Reading about FinTech unicorns and pizzas worth $80 million, you would think that the world was bubbling over with wealth. FinTech investments last year peaked at over $110 billion, more than double the year before, and IPOs for firms like Uber and WeWorks are seeing valuations in the stratosphere. Everything …

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Will children save planet earth?

After my recent blogs about Earth Day, Banking for Humanity, the FinTech Parent-Child relationship and Gen Y and Z: Doing good for society and the planet (an Earth Day FinTech update) Doing bad for society and the planet (an Earth Day banking update) Banking for Humanity? FinTech and the Parent-Child …

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Are you focused on the right customer?

Another few articles I’ve picked up this week have focused upon the new generation of consumer: Gen Z. I would call them the iGen but that’s too branded, so marketers call them Gen Z. Who are the Z Gen? As of 2019, the breakdown by age looks like this: Baby …

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Five phases of FinTech (2005-2027)

Three years ago, I blogged about three phases of FinTech. Three years later, I can expand on that theme and talk about five phases of FinTech. The five phases of FinTech are (dates are rough guide): Disruption (2005-2014) Discussion (2014-2017) Partnership (2017-2022) Integration (2022-2027) Renewal (2027+) Phase One: Disruption (2005-2014) …

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Banking for Humanity?

I was asked to speak to the theme of Banking for Humanity at a conference the other day, and it made me realise that the five areas I’ve recently been blogging about came together nicely. First, there’s financial inclusion which is the theme of Digital Human. The fact that anyone …

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