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My presentations change every day, but I got a great new slide to illustrate the burning platform that banks sit upon.  This is the one I was blogging about yesterday, and the one area I blog about incessantly (so much so that I bore myself). But there is a burning platform in all banks, and it’s…

I’ve spent decades preaching transformation and the easiest way to shut me up is ask: Where’s the business case? This is the question normally asked by the mealy-mouthed cynical financial controlling banker in the audience … They want the spreadsheet showing the cost-benefit analysis and return on investment figures.  The problem is that, as anyone…

I’ve been talking the internet of things for a while as, after all, The ValueWeb is the internet of value that underpins the internet of things. A key concept of the internet of value is how it supports your television, car, fridge, shoes, phone, computer and your partners’ and chidlrens’ things to buy and transact. …

The main blog posts this week were … If you want to convince the bank to change, read this blog I was thinking about not sharing this info but hey, as you are good enough to read my blog … here’s the bottom-line on digital disruption (ed: oh no, Chris said the D-word!). There’s a…

We had a meeting of the Financial Services Club in Oslo last night, talking about the Payment Services Directive 2 (PSD2) and Open APIs (Application Program Interfaces).  It was a fun meeting and covered the in’s and out’s of closed versus open APIs, the implications of allowing Trusted Third Parties (TTPs) access to the bank’s…

Following on from yesterday’s blog about Little Britain and a hard Brexit, we all know the world has been globalising and, even though there is currently a backlash against globalisation per se, it is unstoppable.  It is unstoppable primarily because of technology.  The whole planet is now on the network.  Seven billion people have access…

In my travels over the past months, whether it’s Asia, America or around Europe, everyone asks me what I think about the Brexit vote.  What’s going to happen?  What does it mean? So I’m not going to write lots about Brexit, but every now and again it’s worth picking up the tone, especially as the…

I was thinking about not sharing this info but hey, as you are good enough to read my blog … here’s the bottom-line on digital disruption (ed: oh no, Chris said the D-word!). There’s a slide that’s been doing the circuit for a while.  It comes from Visual Capitalist, and charts the change in the world’s…

Had a really interesting chat about RegTech the other day.  We were debating how regulators have changed in recent times, not just in encouraging start-ups and innovation, but it looking forward rather than backward. For most of the time that I’ve dealt with financial services, regulators have always been in catch-up mode.  They regulate what…

The main blog posts this week were … Wouldn’t it be simpler just to launch a new bank? One of the commonest questions I’m asked is whether the bank should just launch another bank, rather than trying to be digital and convert the existing bank.  The idea is that the new bank will have no…