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I gave a TEDx talk last year about the jobs our children will have in the future … … and it is a theme I keep returning to because I have twin boys who are ten years old now. The school they go to are now looking for a new Board member, so I wrote…

I’ve just been reading McKinsey’s latest piece about the AI-powered bank. It reads like a polite consulting report, but underneath it is a fairly brutal critique of the entire banking industry because what they’re really saying – without saying it – is that most banks are structurally incapable of benefiting from AI. It not because…

I was recently working with WNS, part of Capgemini, on a few blogs. The posts are interesting so I’m sharing them here. Click on the headline links to read the full articles: Can AI Turn Regulatory Overload into Competitive Advantage in Banking? Regulation in banking is exploding, and most banks are handling it badly –…

This week’s main discussions include … If people do not trust the system, they will not use it I just got the LSEG (London Stock Exchange Group) Risk Intelligence report which makes clear that we have crossed a line. Fraud is no longer something that happens at the edges of the financial system. It has…

I just got the LSEG (London Stock Exchange Group) Risk Intelligence report which makes clear that we have crossed a line. Fraud is no longer something that happens at the edges of the financial system. It has become the system’s shadow twin, growing in lockstep with digital banking, instant payments and AI. The 2026 LSEG…

I remember making a prediction twenty-five years ago that all of the biggest banks in the world would be Chinese. Unfortunately, I made this prediction at an American banking conference, when all of the biggest banks in the world were American. Twenty-five years earlier, or fifty years ago, all of the biggest banks were Japanese….

The Bloomsbury Intelligence and Security Institute (BISI) produced a document yesterday about the risk of cryptocurrency to democracy . Seriously? Cryptocurrency is a libertarian dream that gives all of us a democratic vote. What risk is there? Well, let’s dig into the detail as this is not about “innovation in payments” or “the future of…

I always remember walking into Barclays in Canary Wharf and having a Boardroom meeting. We looked over to HSBC and realised that they were bigger (200 metres versus 156). Then there was Citibank, also 200 metres. Bar stewards. But now there’s JPMorgan. The American bank is building a new tower that will be bigger than…

I hesitate to write this, as my Polish friends have been asking me to keep it secret – that is the Polish way, humble but hopeful – but, as a Brit who moved to Poland in 2018, I can see it: Poland is the leading country of Europe today. It is the country that supported…

This week’s main discussions include … Will global fintech banks destroy traditional banking? I was recently interviewed by the International Finance Magazine about Revolut getting their UK banking licence and what this means to banks in general. Here’s the discussion: With Revolut securing a UK banking licence after years of scrutiny, do you see this as part…