The aggregator on steroids with AI
Yesterday I talked about the difficulty of managing multiple financial accounts, and that we needed one account to rule them all. The problem with this is that you then have concentration risk, as one account if hacked would mean you would lose it all in seconds. So, what to do? The answer is one aggregated…

What’s the future of card schemes?
I got into a new debate yesterday, talking with two guys who are formerly with big card companies (shush, you know who), and we started debating the four-pillar model that’s been around for the last half century. The model is the basis of the card industry and involves acquiring merchants, issuing cards through banks, and then…

The names Bond … Bank Bond
I often come back to the trough of banking licenses, but if banks didn’t have banking licenses, why would we need them? A banking license is not just about compensation and insurance schemes, but about trust, trade, risk, regulation and returns. More than this, once a bank has a license it can lend, something an…

The Finanser’s Week: 20th May – 26th May 2024
This week’s main blog discussions include … Is this the bank that JK Rowling based Gringotts on? I found a great interview the other day with Bella Hoare, a partner and director at the world’s oldest privately owned bank, C Hoare and Co. The bank has been run by the Hoare family for 12 generations,…

Banks are not stupid … just massively challenged
I talk a lot about the platform economy where the network joins us all together. In that economy, like life on Earth, there are many players. 1000’s of companies, millions of people and billions of capital. The question is: how to connect them? The answer is to be a connector in the connected economy, and…

How to digitally refresh to be fit for the future
I recently wrote a white paper for XBP Europe, which you can download (see later). It’s all about how to be fit for the future and digital transformation, my usual subjects. Just to give a taste of the paper, here’s a small extract: The obvious answer is to digitise the corporation. The harder question is:…

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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