Future

What’s hot in tech in 2012 is a continuation of what’s hot in tech in 2011: cloud, smartphones, tablet PCs, contactless mobile and more. Rather than just repeating all that again, let’s be more specific: Contactless mobile will reach a tipping point in retail payments Social media will become a …

What’s hot in tech in 2012 is a continuation of what’s hot in tech in 2011: cloud, smartphones, tablet PCs, contactless mobile and more. Rather than just repeating all that again, let’s be more specific: Contactless mobile will reach a tipping point in retail payments Social media will become a …

Yesterday, we talked about the economic outlook for 2012.  What about the banking outlook? Well it’s also challenging, with five clear things happening: Regulatory change will still be high on the agenda Investment banking will get a radical overhaul Clearing and settlement will become a much bigger focus Reconstructing distribution …

Yesterday, we talked about the economic outlook for 2012.  What about the banking outlook? Well it’s also challenging, with five clear things happening: Regulatory change will still be high on the agenda Investment banking will get a radical overhaul Clearing and settlement will become a much bigger focus Reconstructing distribution …

2012 is here and we all hope it’s better than 2011.  Sure, some of you may have had a very good last year, but most thought it pretty dire with job losses, austerity measures, civil uprisings, protests, a second financial crisis in the Eurozone and more being the name of …

2012 is here and we all hope it’s better than 2011.  Sure, some of you may have had a very good last year, but most thought it pretty dire with job losses, austerity measures, civil uprisings, protests, a second financial crisis in the Eurozone and more being the name of …

I blog a lot about the disruptions of new technologies on bank structures, but only in the last few weeks had the chance to reflect upon what this means overall to a bank’s strategy. A bank is a digital business, as mentioned so often before. As a digital business, all …

I was honoured to be the guest speaker for the Worshipful Company of Information Technologists at their Quarterly Lunch yesterday.  The lunch was held at the Tallow Chandlers' Halls in the City … … although the technologists are not candlestick makers, they know where to have a party. Anyways, in …

Last night was the occasion of the Sir John Gresham annual lecture. This year it was held at the Four Seasons Hotel in Canary Wharf with the keynote speaker being Andrew Haldane, or Andy as is the preference,  Executive Director for Financial Stability with the Bank of England. Andy is …

Another conference focused upon financial innovation today, and all the talk is about mobile stuff, Google Wallets, mobile stuff, Banksimple, mobile stuff and Movenbank. I’m regularly stressing today that we must:: stop talking about mobile; and talk about the point-of-life. First, stop talking about mobile stuff. The fixation with mobile …

Talking with some of the Financial Services Club sponsors last week, it is clear that there is still a debate raging about the future of cash.  Like the future of branches, which both Brett King and I discuss endlessly, cash is one of the other traditional bastions of the old …

Talking with some of the Financial Services Club sponsors last week, it is clear that there is still a debate raging about the future of cash.  Like the future of branches, which both Brett King and I discuss endlessly, cash is one of the other traditional bastions of the old …

I just spent the day in a payments conference focused upon operational excellence. We talked about Basel III, SEPA, the PSD, Mobile … the usual stuff, but there was a particularly intriguing presentation from Olivier Denecker of McKinsey in the morning session on what operational excellence in payments is all …

I mentioned I was in Iceland last week, and was interested to find out what the banks were thinking. We only ever hear of Iceland’s woes and troubles, and so the ability to see first-hand what was happening to the banks was one that could not be ignored. According to …

I mentioned I was in Iceland last week, and was interested to find out what the banks were thinking. We only ever hear of Iceland’s woes and troubles, and so the ability to see first-hand what was happening to the banks was one that could not be ignored. According to …