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Shaping the future of finance

The Finanser’s Week: 10th April – 16th April 2017

This week’s main blog headlines are … Three rules for banking bots Writing more and more about chatbots, robots and AI, I can see a day coming in the not too distant future where we won’t be able to tell the difference between the human and the machine.  That’s not scary science fiction, as it’s…

Three rules for banking bots

Writing more and more about chatbots, robots and AI, I can see a day coming in the not too distant future where we won’t be able to tell the difference between the human and the machine.  That’s not scary science fiction, as it’s now almost science fact.  However, there is still a long way to…

Digital is in our DNA

When you have your basic needs covered – food and shelter – what do you need then?  According to Maslow’s hierarchy of needs, it’s our psychological needs – love, belonging, self-esteem. This is exactly where digital plays into our hearts.  Our love and belonging is in Facebook and Baidu, which is why these are so…

Not all US banks are against Open Banking

I blogged recently about American banks beating up the regulators to stop account access via APIs.  I heard this in various White House meetings in 2016, and assumed all banks and bank people felt the same way.  Well, they don’t.  Citi’s head of FinTech Policy, Andres Wolberg-Stok, got in touch to clarify the true situation….

Most people are inherently good: discuss

A final word on governments and politics after my Friday blog about corruption, and then I promise to leave this alone, as it’s not something I should talk about here.  But I am going to make one statement:  most people are inherently good. Whatever you think, whatever you feel, the majority of humans are raised…

The Finanser’s Week: 3rd April – 9th April 2017

A summary of the main blogs of the week … Solving state corruption with technology I try to generally avoid making political commentary on the blog as it’s not appropriate. This is a blog about technology and finance, not the economy and politics.  Every now and again the two come together such as with Brexit…

Solving state corruption with technology

I try to generally avoid making political commentary on the blog as it’s not appropriate. This is a blog about technology and finance, not the economy and politics.  Every now and again the two come together such as with Brexit and Donald Trump.  Equally sometimes they cannot be avoided as the politics impacts the financial…

A disruptive innovation appears

I was listening to a financier talking about FinTech the other day, and claiming that they are all sustaining innovations and not disruptive.  They were referring to Clayton Christensen’s innovator’s dilemma discussions, where Professor Christensen points to different markets that were destroyed by disruptors.  Those markets include the American car industry, destroyed by cheaper Japanese…

Sweden going cashless

For as long as I can remember, I’ve been hearing about a War on Cash.  The war, as illustrated by India’s recent demonetization, is not on cash itself but on the illegal use of cash and, by association, the fraudulent creation of cash.  Both fraudulent notes and coins along with large cash denominated amounts transferring…

You want the red or the blue cheese?

I often make a keynote presentation – about two or three times a week – and try to change my presentation as frequently as possible so that those who see me two or three times in a month – and it does happen – aren’t bored but, more importantly, to ensure that I’m not bored…

What is the future?

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