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Readers of my blog may have realised that, over recent years, I’ve become a little bit passionate about saving the world. It’s our world. It’s the only one we’ve got. I’m quite keen to keep it here for that reason. Whilst coronavirus, disease and pandemics drive our thinking, we should not forget that there are…

It’s been interesting to see two major firms – admittedly FinTech firms – commit to crypto in the past month: PayPal and Square. The fact that such big processors are committing is a sign of the times and a move towards many organisations embracing the cryptocurrency world. If you didn’t see it: PayPal steps into…

Jack Ma had a rant about the financial system ahead of Ant Group’s IPO. As reported in The Financial Times, he thinks the Bank for International Settlements (BIS) who issue the Basel Accords is like “an old people’s club” … “The Basel Accords are like an old people’s club . . . we can’t use yesterday’s methods to regulate the…

Over a decade ago, I curated a book about Europe’s Singe Euro Payments Area (SEPA). I was quite boring ten years ago, before FinTech made me cool. However, I still watch SEPA, the PSD regs, MiFID and more. I’m still a bit boring underneath it all. I don’t blog about it, because the audience for…

I am having a debate on a regular basis about being cloud-native and digital at the core versus cloud-based and adding digital. The two are very different. Most big banks are moving to be cloud-based and adding digital, but that is not digital at the core and cloud-native. The latter has a business model born…

The main blog discussions this week include … It’s all about supply and demand … and right now everyone is demanding from home My father was a teacher. His expertise focused upon economics. Does it show? I am an economics fan, and studied consumer economics as a specialist subject as part of my university course….

I went back and talked to the elephant. The elephant in the room. The elephant I hadn’t noticed until, one morning, he was there. The elephant that says he’s the economy. Me: Hello again, how are you? The Elephant: Not great, how are you? Me: Not bad. Why are you not great? The Elephant: Ah….

Everyone was talking about a V-shaped recovery in March 2020. Then it went onto a dialogue about whether it might be U-shaped or even W-shaped. Now, some economists are talking about a K-shaped economy. Some say this is all about the haves and have nots – the upper half are those with investments, equities and stocks…

One thing that is clear about demand and supply is, when you think about where we are today, there is little demand for anything. We are all staying at home – and so the only demand is what can be delivered to the home – that’s the issue. This came home to me when I…

My father was a teacher. His expertise focused upon economics. Does it show? I am an economics fan, and studied consumer economics as a specialist subject as part of my university course. The main thing I remember now – quite a few years later – is demand and supply. The more demand and less supply,…