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There are five camps out there. The first is the FinTech camp. This camp sit around the campfire and go “down with banks, down with banks”. They believe banks are out-dated legacy firms who have no idea about the modern age of technology. They believe banks are money-grabbing Shylocks, purely trying to steal the cash…

Being British with a British accent, everyone asks me about what life will be like with Brexit … and my answer is that I have no idea. I can see that the country is divided, and we have real issues, but then don’t most countries? I can also see that the government is completely divided…

I got a large number of pings over the weekend to read and comment on an article on Medium by Lance Ng headlined: Facebook Plans to Become World’s Biggest Central Bank? It is a conjectured article that takes the story from The New York Times discussing Facebook creating its own cryptocurrency (Facebook and Telegram Are…

This is an old but true story of my very own. Back in the day, I worked for a computer firm that had a unique piece of hardware and software called the Contents Addressable File Store, or CAFS for short. I was the marketing manager for this remarkable piece of technology and, for the benefit…

The main blog headlines are … It’s only words … why values and missions are questionable I go around a lot of banks and am always struck by their similarities and differences. To be honest, there are more similarities than differences. Most have big corporate offices, with great views over their home cities; their branches…

I go around a lot of banks and am always struck by their similarities and differences. To be honest, there are more similarities than differences. Most have big corporate offices, with great views over their home cities; their branches are now well-lit stores with open counters; and their apps all offer what appears at first…

There’s a lot of talk about trust when you meet with people in finance. Customers trust us with their money … there is trust in banks … we are trusted when it comes to advice … our brand is a trusted brand. I usually keep quiet as most of that conversation is pure BS. Sure,…

I’ve talked a little about TechFin in the past but, in my presentations, I talk more and more about TechFin versus FinTech. FinTech is doing what we’ve always done, cheaper and faster and better with technology. TechFin is reimagining everything with no idea of what’s been before with technology. It’s a very different approach. A good…

We were having a debate about brand loyalty in a mobile world. The discussion began with talking about how it used to be complex with dealing via branch and call centre; then it was branch, call centre and online; now, it’s branch, call centre, online and mobile. How do you provide a consistent, omnichannel (vomiting…

I just had a week down-under in the land of the roo, and discovered that the RBA – Reserve Bank of Australia – has done an about turn in the last couple of years and encouraged some innovation in banking (at last!). As a result, I was pleasantly surprised to find FOUR neobanks lurking around,…