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Shaping the future of finance

2016 banking predictions

That’s not 2,016 banking predictions, which could be good, but banking predictions for the year 2016. Happy New Year. As is usual at the start of the year, I normally make a bunch of predictions about what will happen in retail, investment and transaction banking … but this year is not usual so I’m not…

The Top 10 Blog Posts of 2015

As it’s almost holiday time, I’m going to stop blogging for a while, so here’s the final blog post of 2015 and it’s the ten most read blog posts of 2015.  In at number 10: #10: After the glitch, RBS closes GTS (or how a global bank becomes a national one) I was surprised to…

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2015: Fintech, Fintech, Fintech

Yes, 2015 was the year that the Fintech bubble exploded.  It hasn’t burst yet, but it’s clear that Fintech is the word of 2015.  Everyone is talking unicorns, start-ups, disruption, Fintech and yet this is nothing new.  I often say that I’m only known in the Fintech world because I’ve worked in technology in finance…

Mobile wallet wars? They haven’t even begun …

Looking back on 2015, it’s obvious that blockchain was the big focus as mentioned last week.  There were other things though, particularly the increasingly intriguing wallet wars.  Mobile wallet wars have been bubbling for a while, with stagnant attempts to achieve something from the likes of O2 and Orange. Let the mobile wallet wars begin,…

The Waterfall Effect: why blockchain is still a decade from mainstream

I’m often asked how quickly the changes I outline will take place, and my answer is between 10 and 20 years.  The building of the real-time, almost free financial network on the internet using blockchain and mobile will take about a decade at least before it becomes mainstream.  Oh, some go.  That’s a way off. …

ToR and the Darknet: how to be anonymous

Building upon this theme of anonymity it’s worth talking for a minute about the Darknet.  It sounds like something out of Star Wars, but is all about ToR and the ability to surf without leaving a digital footprint.  This is the world of Silk Road, as detailed in the recent case study from Wired, and gives an…

Alibaba’s secret sauce

I saw a fascinating presentation by Porter Erisman, author of Alibaba’s World, last week.  Porter was involved in the early days of Alibaba, having lived in China since 1994.  As an American in China it must have been a fascinating experience, and Porter talked about how Alibaba was formed and how it differs to Amazon…

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The Finanser’s Week: 16th November – 22nd November 2015

Our main stories this week include … Where is the banks’ tipping point? I had an interesting discussion about change in the banking markets again the other day.  We were citing emerging new players like Square, Stripe, Klarna and Lending Club, as well as players that have already emerged like PayPal and Apple Pay.  In…

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Welcome to the Whitechapel Think Tank

At the start of 2015, I was honoured to be invited to join a new group called the Whitechapel Think Tank. The group was initiated by Jeremy Wilson, Vice Chairman of Barclays Corporate Banking and John Edge, Managing Partner, RRVIG. The first meeting called together UK Government, Treasury and the Bank of England, Barclays thought…

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