I just found a really interesting analysis of the state of mobile banking in the UK which, if you bear in mind has lots of new challenger banks, makes for interesting reading about features and functionality of Monzo versus N26 versus Starling versus Atom and so on. It’s almost as good as 11FS’s Pulse, where…
I met a Washington insider this week. During the banter, I mentioned how much better the European authorities are at beating up the US tech giants than the Americans. This is illustrated well by the recent New York Times feature on Margrethe Vestager, Europe’s competition commissioner. Ms. Vestager, 50 and a native of Denmark, is…
The main blog headlines are … #Money2020Europe Day One: Will banks become ‘safes’ for data? The good thing about blogging is that I have a public record of my thinking. Hence, I can claim that Banking-as-a-Service (BaaS) is mine. That’s because I was presenting the idea ten years ago and blogged about it in February…
I got called out in one review of my new book Digital Human calling it a “futurist’s wet dream”, which I thought was a bit much. The reviewer doesn’t work in finance, didn’t like my views on science fiction becoming science fact, didn’t buy into the revolutions of humanity and felt the book was confused….
Another day talking culture, leadership and change for digital, and a fascinating review of the five things banks mess up when considering partnering. This presentation was from the Chief Digital Officer (CDO) of a major European bank. The presentation was titled How not to screw up my next partnership – 5 lessons we learned, and…
My second and last day at Money2020 Europe was packed with networking, meetings, panel discussions, private events and more. Throughout the day, the themes of the first day kept bubbling over. I guess it was typified with the comment that the CEO of TransferWise announced how happy they are to be partnering with banks. This,…
The good thing about blogging is that I have a public record of my thinking. Hence, I can claim that Banking-as-a-Service (BaaS) is mine. That’s because I was presenting the idea ten years ago and blogged about it in February 2009. Now, no idea is unique, and the BaaS idea was purely based upon the…
Every now and then, someone writes something better than me and, if they’re very nice, they let me republish their content on this blog. Ben Robinson of Temenos is one of those guys. Two years ago, he wrote a great insight into banking business models and, last week, he did it again in a superb write-up…
I’ve got caught in a few discussions recently with people who tell me Ant Financial are Chinese. They’re not. Neither is Alibaba and, if you think they’re just Chinese, you’re going to miss a huge change in the next decade. Ant Financial is an open marketplace of apps, APIs and analytics, that I’ve been describing…
