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Who moved my cheese? Like many of us, I am confused about the world, the future, life and everything. All seems good one day. The next, everything is being cancelled, government tells you to self-isolate, your view of everything is challenged and you have to change to fit. Who moved my cheese? I believe in…

Last week, MIT (Massachusetts Institute of Technology) issued their top ten technologies for the next decade, one of which is digital money: Unhackable internet Hyper-personalized medicine Digital money Anti-aging drugs AI-discovered molecules Satellite mega-constellations Quantum supremacy Tiny AI Differential privacy Climate change attribution This was selected due to Libra and the digital currency developments in…

I just found that Deutsche Bank Research issued three in-depth reports in January looking at the future of payments: Part I: Cash: The Dinosaur Will Survive… For Now Cash will survive. But digital currencies’ potential could re-balance global economic power. Part II: Moving To Digital Wallets And The Extinction Of Plastic Cards As changes in…

I just received a report from Deloitte about credit and debit cards. It says the future is not so bright: “more payment choices, along with changing consumer preferences, are threatening the long-term viability of the credit card business model.” Damn. I said that fifteen years ago. It made me think about what I was presenting…

Buzzwords. We have a lot of them. Artificial, autonomous, augmented. Big data, blockchain, bilateral. Crypto, currency, consensus. Distributed, decentralised, democratised. I’m tempted to write the ABC of technology buzzwords, but know there cannot be any that start with X or Z*. However, I’m writing this one today because the word digital is becoming overly used…

The main blog headlines are … “I was the first knowledge worker whose job was threatened by a machine” Really interesting interview with Garry Kasparov in Wired magazine about the potential of artificial intelligence (AI) in the future. Garry Kasparov is perhaps the greatest chess player in history. For almost two decades after becoming world…

Really interesting interview with Garry Kasparov in Wired magazine about the potential of artificial intelligence (AI) in the future. Garry Kasparov is perhaps the greatest chess player in history. For almost two decades after becoming world champion in 1985, he dominated the game. Then, in 1997, at the height of his powers, Kasparov was crushed by an…

There’s a growing lament amongst the few, who are worried our analogue world is crumbling around them. They see the loss of bank branches, high street shops, use of cash and such like as the end of their world. They hate the idea of electric self-driving cars and mourn the fact that vinyl and CDs…

I know a few of you have spotted that I have a regular theme these days about sustainable finance, purpose-driven banking, the climate emergency and more. It’s a reflection of the world at large and how people like Greta Thunberg and Sir David Attenborough are making our views of the world change. This is showing…

I guess my discussions of purpose-driven banking are growing. Maybe I just picked up the vibe or created it, but more and more I’m seeing bank CEO’s talking about purpose. Tom Blomfield, CEO and co-founder of Monzo, in Wired magazine: “Why do companies even exist? What are we here for? We have to be profitable…