Grid

I was really irritated the other day as my children wanted to sign on to Minecraft and needed to login to our Microsoft account. The annoyance was two-fold: (a) the Microsoft account has all of my business data in there; and (b) I couldn’t remember the username and password. An hour later it was all…

Revolut just dropped their annual report and the numbers are simply stunning. In 2024, Revolut processed over £1 trillion in transaction volume, a 52% jump from the previous year, and customer deposits grew to £30 billion. Extraordinary fact: Revolut now serves more customers than HSBC! The question I hear you ask is: why? Why are…

This week’s main blog discussions include … How bad is deep fake fraud? I’m listening to a fascinating podcast from the BBC about Whisky Bandits. The scam is that you buy a cask of whisky for thousands of dollars, but the cask you bought does not exist. In other words, you just got a piece…

I’m listening to a fascinating podcast from the BBC about Whisky Bandits. The scam is that you buy a cask of whisky for thousands of dollars, but the cask you bought does not exist. In other words, you just got a piece of paper saying that you own a cask or, in simpler terms, you…

For centuries, we’ve relied on paper, plastic, and people to prove who we are. A signature, a passport, a nod from someone who knows you — the analogue scaffolding of identity. But in a world where everything is going digital, why are we still treating identity like it’s 1995? Let me be blunt: digital identity…

In a disturbing new development using AI, I can generate a fake passport in minutes that would fool Revolut and Binance for account opening. This was a discovery by Polish researcher Borys Musielak using ChatGPT-4o, who created a fake passport in five minutes You can now generate fake passports with GPT-4o. It took me 5…

I’m working on my next book which is due for release in spring 2026. The theme is all around how to trust in a deep fake world. As a result, I’ve been talking to a lot of people – technologists, bankers, policymakers, ethicists, hackers (some reformed, some not) – and the conversations is around the…

Back in the day, Brett King had this idea of starting a mobile-first bank. It was when Bank 2.0 took off, and I was one of the first investors. We ended up enjoying a day of brainstorming in an American park retreat, and developed the line “spend, save, and live smarter”, which is still there…

This week’s main blog discussions include … The issue with digital In my presentations these days are five key themes: the fintech revolution; cryptocurrency creation; distributed ledger technology; the AI world; and quantum disruption. I could add to the list – the metaverse, 6G+, robots, etc – but these are the top five in the…

Well, not exactly digital but electrical. We saw the massive issue that created at Heathrow airport recently, but I’ve been personally affected by the same issue. Long story short, we have an electric gate at our property, and the electrics keep breaking down. Result? We are either locked in or locked out of our property….