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Moving from ML to LLM GPT in payments, #Stripe sets the standard

Just continuing the AI theme, it’s really interesting to see what Stripe – latest valuation over $90 billion – has adopted the technology. Effectively, it’s tried to create a GPT for payments. The reason they are pushing the envelope is after seeing great results in earlier developments using traditional machine learning models. These resulted in…

Ethics, trust and the rise of AI in Financial Services

I’ve followed Clara Durodié’s Decoding AI for some time. Decoding AI is a digital publication dedicated to AI in financial services and, in her most recent update, she delves deep into Trust, Ethics and the Rise of AI in Financial Services, which is my specialist subject of the moment. I won’t repost the whole article…

What economy would machines create?

We talk a lot about AI these days or, as some call it, A1 or Al (yes, Betty, when you call me, you can call me Al) and we have now moved on to other terms including Generative AI, Agentic AI and AGI which stands for Artificial General Intelligence. The thing is that these terms…

The United States of Europe?

Like the United States, Europe is trying to create a united region of cross-border trade that works. In America, this is 50 member states who work in a federated structure. My impression after the recent meeting on CRD VI (Capital Requirements Directive) is that Europe’s long-term aim is to achieve the same and, today, there…

The Finanser’s Week: 12th May – 18th May 2025

This week’s main blog discussions include … The regulation versus innovation debate continues I just attended two events – one fintech and one regulatory. The contrast could not have been more different. The fintech event was buzzing with activity and youth; the regulatory event was very serious and full of suits. It reminded me of…

Equivalence + Proportionality + Subsidiarity = ?

Having been back in the regulatory space again recently, it reminded me of a comment made by one European Commissioner when discussing MiFID back in the day. Over drinks, we were debating the wording and detail and he said: “the point is not to get all member states to comply … the point is to…

As #Revolut and #N26 move into mobile, never say never

It is notable that a few challenger neobanks are expanding footprint into telecoms, namely Revolut and N26. N26 joins Revolut in disrupting the telecommunications market The interesting thing here is that there have been many telco’s trying to move into banking – think Orange – and vice versa, but it rarely works. Orange checks out…

The regulation versus innovation debate continues

I just attended two events – one fintech and one regulatory. The contrast could not have been more different. The fintech event was buzzing with activity and youth; the regulatory event was very serious and full of suits. It reminded me of my old days dodging between Money2020 and Sibos. The thing about the regulatory…

The AI crisis: a big threat and big opportunity

As with all stages of constant change, there comes a moment of crisis. Many say that crisis means threat and opportunity based upon a Chinese legend. That legend is that crisis in China is a proverb which states that “crisis is an opportunity riding a dangerous wind”. It’s very true. Riding the dangerous wind (骑着危险的狂风)…

OK Boomer!

For no particular reason, I was reflecting on being a boomer the other day. Probably it was to do with the speed of change. After all, when I was a lad, there was no tech at home. I played with Batman and James Bond Corgi toys – which I still do – and that was…

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