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In a conversation today, I started discussing digital transformation in depth and found we were talking about digital as though that was the point. It made me wake up, as digital is not the point. Business, connectivity, relationships is the point. When we discuss doing everything online, converting to open systems, transforming to be digital…

Talking about enforcing the system, I’m reading the Financial Reporting Council’s annual report about auditors of banks. Yes, I am that sad. The report notes that, across the UK’s seven biggest auditing firms, almost 30% of all bookkeeping was below par. It makes you wonder how they get away with it. What interests me here…

I guess, because we are in lockdown, that I find the Olympics quite surreal. Lots of sports and lots of commentary and lots of weird things going on in my head. For example, I started to think about what an Olympics of banking and fintech would look like. Oh, dear. No, I shouldn’t have. But…

I find so many similarities between what’s happening with COVID and what’s happening with cryptocurrencies. Why? It’s all to do with how they’re regulated. I don’t know about your country, but I’m in between two countries: the UK and Poland. After recently visiting the UK, where COVID rules are so confusing you have no idea…

The main blog discussions this week include: Imagine if business was driven by ESG I’ve written so much that you would think there was nothing more to write. But there always is. One thing about all I’ve written that is consistent is leadership. What seems to be annoying me the most is a lack of…

I’ve written so much that you would think there was nothing more to write. But there always is. One thing about all I’ve written that is consistent is leadership. What seems to be annoying me the most is a lack of leadership or, rather, a lack of the right leadership. Usually my conversation about leadership…

That old expression that what goes up must come down applies to so many things. An umbrella goes up and down, dependent upon the weather. Company executives who are going up will come down, most times. And businesses that appear to be bullet-proof can stumble and fall. I’m thinking Blockbuster, Nokia, Kodak. Today, we look…

Not sure about you, but I would really like to fly to the moon. It seems mad, but flying anywhere seemed mad a century ago. Flying around the world is a reality today, as long as there’s no pandemic, so flying around the solar system will be a reality tomorrow. In that spirit, my friends…

I’ve been isolating too much and watching too much TV. Binging on Netflix, Amazon Prime and such like, almost every film I watch seems to be the same. Good versus Evil and Order versus Chaos. Half of society seems determined to make everything sunny and bright; the other half seems determined to destroy, disrupt and…

For the last more than a decade, all I’ve ever heard bankers say is that bitcoin is a scam, a Ponzi scheme, purely useful for money launderers, paedophiles and terrorists. So, why are banks now offering bitcoin services? For me, this is one of the biggest questions, but the answer is obvious: because customers want…