Start-ups seven deadly sins
I’ve met many FinTech founders and the one thing they have in common is youthful optimism (even those over 30), but I was taken with an article written by Arwa Mahdawi in The Guardian the other day asking why so many so many under 30-year-old founders face jail. You see the thing about youthful optimism…
Are you who you say you are?
As an advocate of digitalisation, I am finding myself more and more conflicted these days. Apps don’t work; settings change; updates mess up my services; processes break and cannot be repaired without a reset; I can’t make a payment as there is no WiFi or mobile data; I can’t get home as FreeNow and Uber…
FinTech and the Future of Finance [World Bank report]
The World Bank released a free report the other day titled: FinTech and the Future of Finance. It’s an interesting read and I was going to summarise it, when I discovered on LinkedIn that my friend Richard Turrin had already done the job. Here you go: “The World Bank” delivers a great read on fintech and…
The embedded, invisible, intelligent bank
When a bank disappears from sight, can it still exist as a bank? The short answer is yes, in an invisible finance world. While I believe that banks and banking will not disappear, I do believe that most banks will. They won’t disappear completely, of course, they will just cease to be something we think…
CBDC or cryptocurrency … it is your choice or, rather, your belief
I’ve seen so many updates about Central Bank Digital Currencies (CBDCs) lately that it’s obviously an inevitability. Maybe … Bear in mind we have CBDCs and cryptocurrencies. Are the two in competition or complimentary? I think that’s a really important question. The question is: which do you trust more? Trust in CBDCs is that, because…
LinkedIn banned me … here is why
I’ve had a few annoying digital instances recently. The first was a request to complete one-time password verfications … Just did an order online. First, my online retailer asked for a one-time password (OTP). Then my payment processor asked for another OTP. Then my bank asked for a third OTP. But, tbh, I don't mind….
The Finanser’s Week: 27th March – 2nd April 2023
This week’s main blog discussions include … Are we in another financial crisis? I claimed that the crisis of Silicon Valley Bank (SVB) and Credit Suisse were isolated cases, specific to those institutions, and there is no financial contagion. Then we get all these headlines about Deutsche Bank being next. What’s going on? The decline and fall of the…
Major German Bank acquired by the Dutch, or is that the Deutsche?
After all the turmoil in European markets and the global financial world after Silicon Valley Bank’s failure and the subsequent attack on Credit Suisse, a major German bank has been acquired by the Dutch today. The Netherland’s leading bank has acquired the largest German bank. The Deutsche becomes the Dutch. This transaction is valued at…
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