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Sberbank is one of the first to Pikachu

Unless you’ve been hiding under a rock, you may have noticed the rise of Pokémon Go.  It’s been in the news everywhere, mainly because kids seem to be gathering in places they shouldn’t.  Equally, the game has been responsible for everything from finding dead bodies to resurrecting other ones.   Mayhem as rare Pokémon appears in…

The FinTech Weekly Roundup by Anna Irrera (2)

Friend of the Financial Services Club and journalist with Financial News Anna Irrera has recently started producing a weekly roundup of FinTech news.  She’s kindly agreed to let me republish this summary here on The Finanser, so here goes: Hello everyone, Fintech things you should know: UBS appointed a new head of tech, London-based Revolut raised £12…

The 40-year-old Version

As mentioned, ANZ are happy keeping their 40-year-old version of a system – why does that always remind me of some movie title – and I have decided to shut up about this after one last blog update.  This one is a final piece of perspective to this whole discussion, and puts a 40-year-old system in…

The compelling case to replace a 40-year old core system

I tried to make some allowance for ANZ running a 40-year-old core system yesterday, by pointing to the fact that people are slow to change and there may well be no compelling reason to switch a legacy system. Even though I’ve tried to make the case many times: Banks with pre-internet age core systems have…

Legacy people is why we use legacy systems

I talked about the legacy problem yesterday and, in reality, the problem isn’t just the legacy system. It’s the legacy people and legacy customer. The legacy people are the ones who sit in the organisation and resist change. They know where their cheese is and they don’t want it to move. This appears to be…

Que sera, sera, whatever will be, will be

The Bright Future The year is 2030.  Europe grows from strength to strength, after the harmonisation agreements between the German Finance Minister, the European Central Bank and the European Parliament for the clearance for Quantitative Easing and bailout funds for Italy in 2018.  This was a turning point in the Union as the clear support…

The case for bitcoin (or something like it)

I can remember a few years ago that the UK pound was almost at the level of being valued at $2.  Two dollars to the pound.  Amazing.  I brought a lot of American stuff that year.  Yesterday, I bought something and it was $1.30 to the pound.  Shoot.  The dinner for $100 that a few…

The 6 biggest trends in #Fintech today

When someone sends me something interesting, I can’t help but share it so this insight from Susan Visser came at just the right moment.  Susan and I have exchanged various ideas over the years, so here’s her view of the key Fintech trends. Summary Data is having a tremendous impact on customer experience, and through enhanced insight…

Four big buckets of banking change, and the implications therein

I sat through a discussion of FinTech last night.  The theme was how FinTech is changing the business model of banking and a bunch of bankers focused upon the issue.  From the dialogue, there were clearly four big buckets of change: Regulations and how they impact the incumbents and the challengers Data and the permissibility…

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