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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…

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…

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…

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…

I’ve published a few summaries of the best of blockchain research earlier this year (February and March).  There’s been a load more since, but Brave New Coin has curated a nice summary of all those that came out in the last quarter.  As they publish my content sometimes, here is their list (click on the titles to see the reports):…

We spend much of our time berating the banks and beating them up, but it’s not always the case.  Every now and again, I like to write about the specific good that banks do.  For example, 5 of the top 10 Charitable Companies in the USA are banks: Wells Fargo (#3), Goldman Sachs (#4), JPMorgan…

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: Once upon a time it was all blockchain!blockchain!blockchain!…Now it’s all brexit!brexit!brexit!  Fintech lobby wants Brexit roadmap for innovators…

Here are our key posts for the past two weeks … What would Brexit mean for the UK financial services industry? I just discovered a really interesting legal view of the implications of the Brexit vote on the UK Financial Services sector.  It was in a magazine by Mayer Brown, a law firm, written by…

I was piqued by Victor Matarranz’s [SEVP Head of Group Strategy and Chairman’s Office, Banco Santander] presentation at MoneyConf last week, mainly because he began by talking about Fintech 1.0 versus Fintech 2.0. Fintech 1.0 he defined as the emergence of peer-to-peer lenders and new payments companies between 2010 and 2014.  During this time everyone…

I go to too many conferences and have my very own list of Bingo Buzzwords including apps, APIs, analytics, blockchain, cloud and more.  There are four specific words that are used often however, which make my crawl a little.  The reason is that I don’t think anyone knows what they mean by them.   The four words…