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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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