Grid

I use a variety of sites like Coinbase and IG for investing but find them very cumbersome. Trying to find how to sell and get rid of assets is not easy, unless you do it often. Here’s my vision of the near-term future. Money, investing, saving, trading will be just like Siri and Alex. “Coinbase,…

I just saw an interview with Tim Roth who appears in the new Peaky Blinders movie as Beckett, an East London fascist. The movie launches tomorrow on Netflix and focuses upon the Nazi plan in the Second World War to flood Britain with fake currency to bring down the economy. Codenamed Operation Bernhard, the goal…

I was talking with a friend the other day who asked me to explain some basic questions around cryptocurrencies, as he was confused. It started with why everyone is talking about layers of blockchain? I explained that there are four layers, starting with level 0 and then 1, 2 and 3, and it is all…

I was reading a fascinating case study about Ikano Bank, which is the bank of IKEA. The bank is headquartered in Malmö, Sweden, serves customers across Sweden, Denmark, Finland, Norway, the UK, Poland, Germany and Austria, offering savings and loan products for consumers, sales support services for retailers, and leasing and factoring solutions for businesses….

A couple of things hit my radar late last week. The first was a prediction by Bain & Co that challenger banks would own a third of the UK banking market by 2030. This coincided with the news of Revolut finally getting their UK banking licence. It’s only taken five years. Let’s dive in. The…

This week’s main discussions include … What is x402 and why will it transform payments? The next era of payments: when money moves at internet speed I just found an interesting report by KPMG about a new payment standard called x402. Have you heard of it? If you haven’t, it’s built to ensure open, free, frictionless…

The next era of payments: when money moves at internet speed I just found an interesting report by KPMG about a new payment standard called x402. Have you heard of it? If you haven’t, it’s built to ensure open, free, frictionless payments, and could be revolutionary for embedded, invisible finance. Built by Coinbase, the x402 protocol…

I was just reading Amazon Web Services’ report about Banking on the Cloud. It’s biased – everything has to be in the cloud of course – but it’s interesting. It also struck me that I was talking about banking on the cloud in 2008. It has taken a long time, and is still developing. Here is…

Innovation vs Illicit Finance: Why the Future of Crypto Compliance is Intelligent The US Treasury just produced an interesting document about digital assets, innovation and criminal activity. It’s well worht a read, so download the report here … but, if you can’t be bothered, here is my view. There is a familiar pattern whenever a new…

Thirty years ago, I wrote a strategy report for NCR, where I was working at the time, saying that the future of banking would be branchless and cashless, which was not great news for a company selling cash machines. Now, we live in a world that is nearing branchless and cashless. I’ve written quite a…