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When I was a lad, we had one bank account that we opened when we were going to university and you stayed with that bank for life. Today, I have many bank accounts and credit and debit cards. I use Wise, Revolut, Monzo, Lloyds, American Express, Millennium, HSBC and more. Then you add in pensions…

This week’s main blog discussions include … Is the fintech bloodbath over? I find it hard to believe that two years ago I was writing about a fintech bloodbath and, two years later, it continues. The drying up of funding, the post-pandemic recession, the way in which the markets were moving from funding to divesting….

I find it weird as my news waves have recently been drowning in pay-by-bank PR and marketing. Finally, I decided to see what this pay-by-bank news was all about and it turns out that it’s the USA finally allowing A2A payments. Wow, big news … not. The thing about the USA is that their payments…

As someone who has been involved in bitcoin since 2011, you would think I would have retired by now to a beach in the Caribbean. Instead, I am still working as hard as ever, as most of my crypto hodling went south (checkout my crypto archives here). Speaking of which, there is a brand new…

I find it hard to believe that two years ago I was writing about a fintech bloodbath and, two years later, it continues. The drying up of funding, the post-pandemic recession, the way in which the markets were moving from funding to divesting. It seemed a bit unreal. So, has it got better? No. In…

Anton Golib, Founder & President of SwissAssetDAO, just dropped an interesting update on DAO. What is a DAO? Well, let’s turn to Wikipedia: A decentralised autonomous organisation, sometimes called a decentralised autonomous corporation, is an organisation managed in whole or in part by decentralised computer program, with voting and finances handled through a blockchain. In general…

I enjoyed listening to the Odd Lots podcast from Bloomberg this week, as they were interviewing Marco Argenti, the Chief Information Officer at Goldman Sachs about AI. They even transcribed the whole thing. As AI in banking is my big 2024 subject, I listened to the podcast, read the transcript, got the t-shirt and wear the…

This week’s main blog discussions include … Does the US Presidential race hinge on crypto? I don’t like blogs on a Saturday – we should be relaxing – but this X update from one of the Winklevoss twins (Tyler) caught my eye and so I just thought I would leave it here. Here’s what Tyler…

I don’t like blogs on a Saturday – we should be relaxing – but this X update from one of the Winklevoss twins (Tyler) caught my eye and so I just thought I would leave it here. Here’s what Tyler posted: Today, the Fed confirmed that Operation Choke Point 2.0 remains in full swing, provided…

I found it fascinating to spot this TikTok interview highlight with Ford, the car company, CEO Jim Farley explaining the challenge they have with software updates. What he is describing is the path that many banks are taking and which, tbh, I have been promoting, which is curating the ecosystem on the platform. The issue with…