What to do when the network goes down?
The internet isn’t working today. My phone is stuck on a screen saying trying to connect. My laptop has this continuing circle of stuckness. It is seriously annoying. When digital breaks down, it leaves you stranded. That’s OK. It’s cool. Except that, when you depend upon digital, it screws up your day, especially for those…

What about Basel V?
During 2023 a change has taken place in banking that has been little reported or, at least in my circles, little discussed. The change is Basel IV. A bit like most regulations, the Basel Committee on Banking Supervision (BCBS) review and update their rules every five to ten years or so, and gradually introduce more…

The Finanser’s Week: 6th November – 11th November 2023
This week’s main blog discussions include … Are we cashless and branchless now? I’ve just been travelling Asia and went on a trip where the entrance to the first attraction – the batcave! – was two ringgits. That’s Malaysian currency and the equivalent of around half a dollar. As per usual these days, I have…

“We have created a generation of box tickers and button pushers”
Six years ago, I wrote about John Cryan, the then CEO of Deutsche Bank, saying that most people in the bank would lose their jobs to AI. He stated at a German conference that “people behaving like robots doing mechanical things, tomorrow we’re going to have robots behaving like people”. Thirty years ago, showing my…

Imagine if you integrated emotions with transactions
If banking was delivered like a song, how would it feel? Would it have emotion and belief, or just be delivered as words and music by a robot? The difference between customer engagement and customer service is pretty much the difference between delivering a stage song and being on the stage. I am a huge…

The UK sets out plans for stablecoins … do the plans have a major flaw?
After Terra-LUNA, SBF and FTX, and the whole wild west of digital currencies, stablecoins are now in fashion as the Bank of England and Financial Conduct Authority (FCA) outlined the UK plans for legitimising stablecoins yesterday. Bear in mind these are not CBDCs (Central Bank Digital Currencies), but currencies backed by CBDCs, fiat currencies or…

Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us
What is the future?

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