We need to launch a digital bank? OK, here’s $3 billion!
I recently blogged about JP Morgan Chase spending $10 billion a year on technology of which $3 billion goes into new projects. There were then several other announcements that caught my attention about Citibank and Bank of America investing similar amounts in digital. The question it prompted is: why are you spending $3,000,000,000 on new…

The culture of banking is skewed to be dishonest
I was reading The Guardian’s John Quiggin’s article yesterday, about banking being geared towards the 1% and a major crash being needed to fix it. John Quiggin is an economist at the University of Queensland and the thrust of his article is that “financialised capitalism has failed, and cannot be fixed by more and better…

Will QR codes wipe out cash and cards?
There’s been an interesting but hidden trend taking place. It started in China with Tencent and Alipay and has now gone global. The phenomenon is called QR codes. QR, or Quick Response if you prefer the longer form, is a code that originated in Japan in the 1990s, and has gradually grown from a system…

A monkey could pick stocks better than me
I got into an argument after a presentation where I said that active fund management is dead. It wasn’t the best thing to say in front of a group of active fund managers, but I can’t help myself. It’s my background in dealing with program trading in the 1990s; then algorithmic trading in the 2000s;…


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