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As we move from cash to cashless, turbo-charged by the pandemic, there is a fundamental challenge to ATM providers like NCR and Diebold Nixdorf. I had this view back in the 1990s. It’s just taken a quarter of a century to become a reality. In the UK Link, the largest cash machine network, said there…

I saw an interesting article about the Head of Technology at a major bank, let’s call it ABC Bank for the purposes of my column, and the article began by saying that this guy “commands a budget of $10 billion and a team of 40,000 technologists.” $10 billion is about half the total amount invested in European…

Yet another day of reflections – too many of those lately – and thinking about generations. My parents were war parents, living through the Second World War; their parents were people growing up in Edwardian Britain as a carpenter and housewife. Things were different. I don’t remember my parents struggling, although I know my grandparents…

When I was growing up, my parents drilled into me a number of key reasons to live: get a good job, build wealth, buy a house, get married and have kids. They also made it clear I should not cheat – should not cheat on my partner or employer; should not steal or back-stab; should…

This week’s main blog updates include … What currency will you be using in 2121? Having watched the emergence of cryptocurrencies, digital currencies, blockchain and Distributed Ledger Technology (DLT) for a decade, I have made a firm view. Most of the people involved in this space are deluded and naïve; most of the people involved…

I grew up in a village, miles from the nearest town. I moved to a city in the north after university and then to London for work. I enjoyed my work and yearned to travel. Luckily, my work allowed me to travel. I’ve been to more countries than I care to mention but then, back…

FinTech is reaching parts of the planet that could never be reached before. Actually, it’s not FinTech. It’s the network. By way of example, way back in 1995, I was asked if I seriously thought someone could make a payment from the top of Mount Everest? I said yes, and they did in 2013. Since…

There are five main themes driving where we are today and tomorrow: digital transformation; inequality and inclusion; having a clear purpose; stakeholder capitalism; and digital transparency. The network is connecting us all. This is a digital revolution. We are breaking from the past centuries of industrialising everything to the next centuries of digitalising everything. It…

I grew up as a fan-boy of all things Marvel, and have been delighted with the way the Marvel Universe has panned out for next generations. In particular, Spider-Man has always been a highlight, and I regularly use one of the lines from these comic books: With Great Power Comes Great Responsibility. Attributed as a…

Having watched the emergence of cryptocurrencies, digital currencies, blockchain and Distributed Ledger Technology (DLT) for a decade, I have made a firm view. Most of the people involved in this space are deluded and naïve; most of the people involved in this space don’t understand the system or how things work in the world; and,…