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I’ve been talking with many friends about genetic versus environmental development. Back in the day, this was a big discussion in my Sociology classes. How much of your personality is genetic versus environmentally developed? Is it nature or nurture? This is a question raised regularly by psychologists and researches and, as a father of twin…

Everyone has been hailing Mark Carney’s speech at Davos as one of the GOAT speeches of the 21st century. It forced me to take out 15 minutes to listen to it, and yes, it is a great speech. Well worth the time. Mark Carney is Prime Minister of Canada, and the former Governor of the…

  I often talk about quantum computing and how it could break the encryption keys of our current financial system, including bitcoin and cryptocurrencies. In fact, the first time was seven years ago, when I referred to The Quantum Resistant Ledger. Even way back then, there was a company working on ideas to avoid encryption…

I just had a great visit to Kuala Lumpur, a place I go to often as I have many friends there. This time I also witnessed the launch of EPOS360, an AI-driven growth platform of Ant International targeted at small businesses. What is EPOS360? Well, you can read the press release, but here is my…

Waking up today, I am shocked to see the headlines about aliens wrecking the world’s financial markets. Apparently, various American politicians have kind of confirmed that aliens are real, admitting to an 80-year cover-up including Dulce Base in New Mexico and Area 51, Nevada. The reason this came up today is that, if confirmed true,…

This week’s main blog discussions include … My next new book: “Intelligent Bank” I just got a summary of my new book from the publishers. It comes out in the summer but, for those interested, here are the key messages … The more wealth amongst the few, the more likely the revolution by the many…

Following up on yesterday’s blog, is there a solution to the social inequality debate? Well, there are many that have been tried, but they were all fatally flawed. Communism led to dictatorships and autocracies; taxing the rich to give to the poor sounds good in theory, but fails in practice (just look at the number…

One of the biggest themes that recurs over and over again is the wealth divide in societies. I’ve talked about this often, and we all should have heard of the 1% by now or the fact that six men have more wealth than half the population of the planet combined. It is an important subject,…

My friend Lory Kehoe spotted a white paper by the Bank for International Settlements (BIS) that was released in December discussing Project Leap, a deep technical experiment showing that core payment systems can migrate to post-quantum cryptography without breaking how money moves today. It’s a fascinating paper and an important one for us fintech nerds,…

For all the hype of AI, I was watching the Champions League football matches, where thousands of people gathered, and thought: well, that’s one thing AI can never replace. Of course, you could have virtual reality matches that look almost real, but they’re not. Similarly, you could have robot matches, but would we really care? There…