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During lockdown in the pandemic, I went a bit off script and started singing karaoke songs, with the words changed to focus on banking and payments. It was just a bit of fun to keep me busy at that time. Nevertheless, there are still many moments where I hear a song and think oh, that…

It intrigues me how quickly our world of money is changing from crypto to fintech to BaaS to infinity and beyond. The question that constantly sits in the back of my mind is how to regulate all this stuff to maintain trust? From Synapse to FTX to Beenz to Boo, how can the regulator keep…

I recently had a discussion about Genghis Khan, who I think of as some ancestral tyrant dictator who sowed his seed so far and wide that most of the modern world has his DNA. However, he also had another side called leadership. A friend of mine decided to use Khan’s leadership model to frame digital…

As mentioned, I’m dealing with my mother’s financial affairs as she reaches end of life, and I’m finding it incredibly frustrating. The process is that there first needs to be a Power of Attorney in place. Luckily, she saw that coming and gave it to me. That’s a government portal which allows me to take…

At the end of the 1990s, a colleague of mine was sacked because he complemented a fellow female worker on how lovely her hair looked. I thought it was political correctness gone mad, but it’s even worse today. You feel you’re walking on egg shells all the time. For example, I got sacked for saying…

This week’s main blog discussions include … The Lloyds Bank Turd If you’re having breakfast or eating right now, please do not read this blog entry. I really didn’t want to write this blog, but it’s too irresistible to ignore. In fact, I cannot believe I haven’t seen this before as, the other day, guess…

If you’re having breakfast or eating right now, please do not read this blog entry. I really didn’t want to write this blog, but it’s too irresistible to ignore. In fact, I cannot believe I haven’t seen this before as, the other day, guess what popped – or should I say pooped – up in…

I just did a search for papers on digital transformation and was surprised that I got a whole load of results from every single tech company out there addressing the question: “what is digital transformation?” (a question I have blogged about a lot). As someone who has been doing this his whole life, my simple…

There’s a really interesting research paper recently published by Apple’s engineers looking at how well LLMs (Large Language Models), the heart of AI systems like ChatGPT, and asking about their ability to deliver mathematical reasoning. They conclude that they are not ready for prime time right now. To illustrate the issue, TechCrunch gave this example: Let’s say…

Living in Poland, I have got used to using their local system for payments called BLIK. The way BLIK works is that you access your bank account app, enter a code, get a code back and make a payment at a point-of-sale, ATM, online or anywhere that needs a payment approved. The reason I like…