America is slow to adopt immediate payments
I recently blogged about the lack of obvious return on investment for immediate (also called faster, instant or real-time) payments, and mentioned that I would be launching research about this. Well that research survey is now live. It will only take you ten minutes, so please join in by clicking this link. Just to put…

Counterparty payments in seconds is an easy sell
It made me laugh today. I was chairing a panel where Romana Kumar, Head of Global Transaction Banking for the National Bank of Abu Dhabi (NBAD), was discussing their trial of Ripple. The background to this was announced in a press release on 1st February 2017: Ripple’s Distributed Financial Technology fits within NBAD’s existing infrastructure…

Most thinking about poverty is wrong
There are basic human needs: food, drink, sleep … wifi. Once those are covered, everything else is supplemental. It’s not needed. It’s just stuff you want. If you can eat, drink and sleep comfortably, what else is there? I only ask this question because I was thinking about what we value, and realised that we…

GAFA have already opened banks … just not in America
I heard a rumour the other day. The rumour goes something like: are you not surprised that banks grow into big beasts, as it’s government supported? Governments want banks to be big and regulated, because governments can then access the data the bank is keeping about their clients. IT’s access to data for tracking financial…

Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us
What is the future?

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