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Grid

Do banks need a CIO?

I was talking with a technology firm the other day.  They offer everything from cloud to core systems.  Their issue is that the competition wins every time.  Not IBM.  Not Accenture.  Not TCS.  Not FIS.  Not SAP.  Not any of the big names you could mention in such areas.  No, …

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Which countries are leading financial inclusion?

Building upon Friday’s discussion of how the system treats the poor, there are interesting movements afoot at the Brookings Institute.  If you’re not familiar with Brookings, it is one of America’s oldest Think Tanks and provides independent research into social sciences, particularly economics, governance and foreign policy, for the US …

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Financial Services Club Season Q4 2016

I don’t often highlight the Financial Services Club’s forthcoming meetings, but felt it worth just noting a few upcoming specials.  Join the Club if you want to come along: Financial Services Club England September 6 Future Applications of the Blockchain Technology – Leanne Kemp, Founder and CEO, Everledger September 20 The …

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How the system crushes the poor

Building on yesterday’s discussion of the digital divide turning into a human divide*, I find it intriguing how we talk incessantly about financial inclusion and how technology will bank the unbanked.  It is our dream.  But is it just a dream? The reason for thinking this is that poverty and …

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Living on Mars or an Inferno?

I love the predictions of scientists, but they’re often wrong.  The internet has a litany of stupid predictions from IBM’s President saying that there’s a worldwide market for about five computers to The Atlantic predicting that, by the year 2000, we would no longer be engaged in wars. The latest predictions …

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Creating PayPal’s Perfect Storm

Apparently, I am a miscreant.  I am the one guy who managed to break PayPal.  What?  OK, here’s the story.  The next 2,000 words tell the story but, if you’d rather miss that and cut to the chase, jump to the end. Most of my customers wire me the money.  …

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12 Standout Start-ups Focused Upon Blockchain Identity

Digital identity is a complex area, as discussed yesterday.  First, it is focused upon shared ledgers and blockchain, not just blockchain; second, it needs to have some permission basis; third, we need to have a structure agreed for who is providing permissions; and fourth, it is a structural challenge for …

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Applying Blockchain to Identity

In my final deep dive into blockchain use cases, I come to digital identity.  Now this is a thorny area for three reasons. First, we need to understand what we mean by identity before we can talk about how blockchains could help. Second, we need to understand the difference between …

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