Grid

I was making a list the other day of the big changes in banking and technology. Distributed ledgers, tokenisation, digital identity, Central Bank Digital Currencies (CBDCs), cryptocurrencies, stablecoins, artificial intelligence (AI), chatbots, hacking, cybersecurity, embedded finance, ecosystems, platforms, fintechs, Application Programming Interfaces (APIs), Open Banking … the list is long. It is no wonder that…

Giving away one of my trade secrets, I asked ChatGPT to give me suggestions about what to blog about and it came up with seven things: 🚀 1. The Rise of Embedded Finance 2.0 How non-financial platforms are evolving from offering simple payments to full financial ecosystems (e.g., credit, insurance, and investments built into SaaS,…

I walked away from the Global Islamic Finance Forum (GIFF) with two quotes that I can’t get out of my head. The first: “a rising tide lifts all boats” from John F. Kennedy, 1963. The second: it is “better to live one day as a tiger than a thousand years as a sheep” by Tipu…

I was going to write up my panel discussion during the GIFF (Global Islamic Finance Forum) but Zawya did the job for me. Having said that, their website is quite difficult to access due to location restrictions and so I’m just going to cut and paste their summary here. Hope you like it! Revolutionising Islamic…

I was honoured to be invited to Kuala Lumpur to join the Global Islamic Finance Forum last week. Why? Because they had the Royal Sultan speak over dinner and the Prime Minister of Malaysia give a keynote speech? Yes but, more than this, I learned a lot. In particular, during my panel session, someone asked…

This week’s main blog discussions include … OK boomer! Mortgage by machines When I was a lad, to get a mortgage was a complex process. You would go to the bank for a meeting with the branch manager. The branch manager would assess you, your job security, work status and salary and, if all boxes…

After my blog yesterday about mortgage by machines, I left out one key component: humans. You have to remember that machines don’t think, they only appear to think because we develop them that way. Sure, there may be sentient machines at some point in the future when we get to the great Singularity but, until…

When I was a lad, to get a mortgage was a complex process. You would go to the bank for a meeting with the branch manager. The branch manager would assess you, your job security, work status and salary and, if all boxes were ticked, you could get a mortgage up to four times your…

I have blogged often about change and how people avoid it (who moved my cheese?), but it cropped up again the other day when I was reading Harvard’s Rosabeth Moss Kanter* thoughts on business. She has six key principles for business: Show up. Speak up. Look up. Team up. Never give up. Lift others up. Many…

My presentations these days are focused upon the challenge of change. Every day, something is in the headlines to challenge your thinking from AI to quantum to digital currencies to digital identities. The only constant is change. Whenever I talk, I come back to the wrongly attributed quotation of Charles Darwin that it does not…