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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,…

I wrote my blog the other day with the title Why I’m fed up with blockchain. It amused me to see how much backlash it created, particularly on LinkedIn where there are over sixty comments as of today. In fact one guy called Ajit even wrote a blog about my blog. It didn’t surprise me,…

The main blog discussions this week include … Will DeFi destroy banking? It has been a while since I sat back to think about the future bank. I talk about the future bank all the time, but the overall view of a bank in its totality. What will it look like in 2030 and beyond?…

Talking of politics and, after my piece last week about the possibility that Chinese infrastructure could replace our European (SWIFT) and American (Visa) operations Kathleen Tyson, a good friend and member of the Financial Services Club, piped up and said: Don’t give up on the American dollar that easily. She then pointed to a piece…

I keep wondering about the future. Governments vs Libertarians? Centralised vs decentralised? DeFi vs CBDC? My conclusion is CBDCs will win, in the financial markets. Why? Because money is critical to our lives. It’s a key. You cannot ignore it. It’s what we created to make society orderly. I discussed this a lot and in…

It has been a while since I sat back to think about the future bank. I talk about the future bank all the time, but the overall view of a bank in its totality. What will it look like in 2030 and beyond? I think it will still have branches. Not many, but there is…

In the UK, we talk a lot about The Nanny State. There’s this idea that government can be too controlling and demanding, and treats us like children and they are our nanny guardian. It reminds me of this sketch from Tracey Ullman … Jacob Rees-Mogg in #traceybreaksthenews and #traceyullmanshow @bbccomedy pic.twitter.com/C7sKOjlLGl — Tracey Ullman Fans (@TraceyFans)…

Some time ago, I mentioned that code is art and, if code is art, how do you attract great artists? Banks are not really seen as a place for an artist. It is like bringing maths and art together. The two don’t mix. Like science and religion, certain academic disciplines should always be kept apart. Yet…

The main blog discussions this week include … Talking to the elephant in the room Yes, we’re all doing stuff from our home offices. I don’t know what your office is like, but mine’s quite nice. I like it. Until I noticed a strange smell yesterday. Didn’t know what it was, so I had to…

Yes, we’re all doing stuff from our home offices. I don’t know what your office is like, but mine’s quite nice. I like it. Until I noticed a strange smell yesterday. Didn’t know what it was, so I had to look around the room a lot, then suddenly realised … … there was an elephant…