Relationships are hard, so how do Fin and Tech get on?
I just spent a few days in bars and restaurants in a place where everyone lives underground. It’s called Toronto. A place so cold that even Olaf from Frozen has migrated South. In fact, it gets so cold in Canada, they actually have hair freezing contests. Anyways, sitting in a bar, I was privileged to…

Google, Facebook, Amazon and Co are NOT offering banking, so stop saying they are
In the last month, there’s been a wave of announcements from Facebook, Apple, Google and Amazon about banking. We’ve seen Facebook’s major activities in trying to create a digital currency called Libra, and Apple’s move into finance with a credit card from Goldman Sachs which, in just a month, offered a $10 billion line of…

The future of money according to the Swiss (shhh, it’s not bitcoin)
I just saw an interesting report produced and released by SIX Group that talks about the future of money. SIX Group run payments and settlement processing out of Switzerland and, unsurprisingly, their view is that the most likely future is that there will be digital everything but still some cash around. My own view is…

Banking is inherently sexist
Actually, it’s not just banking. It’s money. Money is about control – something I blog about regularly – and men control societies, economies and the world. Women are subjugated in that world, which is why there is a minority of female founders of FinTech firms and female executives in the leadership team of banks. But…




























