There are hundreds of articles online about “the death of” something, maybe thousands. I’ve written several of them covering everything from the death of cards (debit and credit) and keyboards to the end of branches, cash, banks and more but they are all still here, so let’s not expect their expiration to be too fast….
I’m discussing a lot about digital currencies these days, and the future of CBDCs, Stablecoins and Crypto. The conversation generally goes along the lines of central banks issuing digital currencies is really unnecessary. No one wants them and no one trusts them. The whole thing is just a scam for governments to track and trace…
Discover how fintech is transforming small business, from mobile payments and AI tools to why the next unicorn might be run from home. I’ve run a small, independent business for almost 25 years. It’s been fun and most of it has been rewarding, except for the accounting, banking and paperwork. No one enjoys that behind-the-scenes…
This week’s main blog discussions include … How regulations are forcing banks to open branches I wandered back into the old world of EU regulations the other day in Switzerland, debating CRD VI and the demand that banks must have branches in every EU country when they offer full service banking, including deposits and lending….
I’ve recently blogged about bank IT outages … Bank IT outages … let’s talk about the bank systems Jenga … and it is getting more and more common. For example, in the UK, Barclays suffered 33 system failures between January 2023 and February 2025, according to data from the House of Commons Treasury select committee….
After recently attending conferences in Zurich and Paris, with most of the audience coming from the banking community, this week is Money2020 in Amsterdam and the discussions are very different. What’s the difference? Well, bankers debate regulations and fintechs discuss innovations. It constantly strikes me that, during the 2000s, I spent most of my time…
Following the Swiss meeting, I was then honoured to moderate an opening panel at EBAday with representatives of JPMorgan and Deutsche Bank. We had a wide ranging discussion but, similar to the details of CRD VI, a lot of regulations came up as top-of-mind. MCiA, EUID, CRDVI, PSD3, EUAI etc and it did intrigue me…
I wandered back into the old world of EU regulations the other day in Switzerland, debating CRD VI and the demand that banks must have branches in every EU country when they offer full service banking, including deposits and lending. Well, that’s one interpretation. The whole thing is about the new Capital Requirements Directive, the…
The year is 2100. Earth is still here, but the Elon Musk vision is now delivered. What is that vision? Read on … Earth in 2100 is a place of automation. Everything is connected. Robots are everywhere. Self-driving aeroplanes and cars move goods and services. More than this, the world is run on a network….
This week’s main blog discussions include … The rise and rise of ransomware There’s a very interesting analysis of the cyber attacks on Marks & Spencer, the Co-op and Harrods on the BBC this week. If you have access to their iPlayer, then it’s well worth a watch. If you don’t, then here’s the summary as…
