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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…

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…

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….

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…

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…

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…

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…

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…

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…

I tweeted this the other day, and it got a lot of likes, so I thought I’d make it today’s blog title.  We seem to have lost a lot of buzz on blockchain this year, even thought it’s still buzzing away as much as ever before.  I recently was talking about how blockchain is great…