Grid

There’s a huge debate about banks and data. Should banks share data or sell data? This has been going on for over a decade. For example, Barclays tried to share and sell customer data back in 2013 and it hit the headlines; ING did the same in 2014 and got into similar issues. Both banks…

In recent days, I’ve discovered a lot of theorems and ideas in digital areas where, when you integrate finance and technology, you realise that you are living in a world of rocket science thinking. For example, I am spending a lot of time talking with experts about digital identity and trust, as that’s the theme…

This week’s main blog discussions include … How to find the launderers … or not Someone asked me this week: why isn’t digital identity working? After all, there have been numerous attempts at tackling the issue. Specifically, in finance, we have onboarding, compliance, AML, KYC, PEP and more … and yet none of it is…

Someone asked me this week: why isn’t digital identity working? After all, there have been numerous attempts at tackling the issue. Specifically, in finance, we have onboarding, compliance, AML, KYC, PEP and more … and yet none of it is working. If it was working, there would be zero criminal activity in the financial world….

An awful lot of what I read these days is about stablecoins. By way of example, my things worth reading daily update is filled with news about them. Just this morning: Some big US banks plan to launch stablecoins, expecting crypto-friendly regulations Central banks face dilemma over rise of dollar-backed stablecoins Could Britain be about…

I often meet CxO executives in financial institutions and fintechs who talk about the importance of the customer journey, but I wonder what they mean by this. After all, we all know that hold the line and the computer says no is the general experience these days. Most of this is caused by underfunding and…

I went to a conference the other day where the organiser left a load of beer mats with questions about fintech. I picked them up and decided to write my thoughts. Trust you enjoy this …  What was your ‘aha’ moment that led you into fintech? I never really had a moment, as I’ve been…

I stumble across a lot of stories online about fintech start-ups successes and failures, and really enjoyed reading the story of Airwallex by Thomas Yeddou on the Fintech Society newsfeed (worth subscribing). It’s a lengthy story of one Jack Zhang. Who is Jack? Well, you need to read the whole thing to find out, but here’s…

This week’s main blog discussions include … Fintech and the Rule of 40 A colleague posted a view about Fintech and the Rule of 40 the other day. What is the Rule of 40? The Rule of 40 is a financial metric, primarily used in the Software-as-a-Service (SaaS) industry, which suggests a healthy company’s combined…

A colleague posted a view about Fintech and the Rule of 40 the other day. What is the Rule of 40? The Rule of 40 is a financial metric, primarily used in the Software-as-a-Service (SaaS) industry, which suggests a healthy company’s combined revenue growth rate and profit margin (often measured by EBITDA) should equal or…