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How we travel today will change massively tomorrow

I was chatting with a friend about what he’s up to these days.  He started talking earnestly about looking up his family ancestry.  With the internet these days, you can quickly find your grandparents, great grandparents, great-great grandparents and even your birth mother.  He had traced some parts of his …

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Is self-service all it’s cut out to be?

I find it amusing to think about this age of self-service, where we take it for granted that it’s cheaper, easier and more personalised to your own wishes if you book it yourself.  And, for most of the time, that works well.  Except when you mess things up, like booking …

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It’s the ATM’s 50th birthday today!

It was exactly 50 years ago today that the world’s first ATM was unveiled at a Barclays branch in Enfield, London.  As a tribute to the golden anniversary, Barclays has transformed the modern-day Enfield cash machine into gold.  Today, more than half of UK adults use an ATM at least …

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Build or Buy or Build and Die?

I was having a chat with a banking buddy who was expressing his frustration with the fact that their PSD2 developments were not going the way he wanted.  He had found a nice little FinTech start-up with a really neat Open API capability which could be used by the bank …

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Who needs millennials?

I have had many, many conversations about reaching the millennial customer.  We need to be attractive to millennials?  Millennials think differently, how do we reach them?  Millennials are rejecting banks, is that right?  Blah, blah, blah, blah, blah. The conversation seems to be one amongst older generational people who haven’t …

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The crazy world of crypto currencies and ICOs

I’m boarding a flight yesterday and murfing (mobile surfing).  Flicking between Facebook apps, twitter, bank account, BBC news and more.  Suddenly I spot a new ICO – Initial Coin Offering – for a new bank.  From Wikipedia: “An initial coin offering (ICO) is a means of crowdfunding the release of a new cryptocurrency. Generally, tokens …

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