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Shaping the future of finance

Should you have ‘bank’ in your brand?

The Financial Brand published an interesting piece challenging the use of the word bank in a brand. It got me thinking, and agreeing with their summation, which is yes. Sure, you can have Chime, Chase, Citizens and Truist, but is that the right thing. In fact, on the last point, the use of the word…

What do banks need to do to deal with FinTech?

I picked up an article talking about 16 Ways Banks Will Need To Change To Survive Advances In Fintech in Forbes. It’s a survey of an expert panel that cites that banks must do the following action points: Become Nimble And Decentralized Incentivize Culture Change Combine Security With Blockchain Technology Lean Into People-Centric Customer Service Provide…

Banking: am I bothered?

I am sometimes a Luddite. Today is that day. I woke up and found that a payment was made via a direct debit for a service I no longer use. It’s an annual payment, and I’d forgotten to cancel it. It was for $500. I was irritated, to say the least. I then realised I…

The Finanser’s Week: 7th February 2022 – 13th February 2022

This week’s main blog discussions are … A banker responds to Extinction Rebillion’s call I had quite a lot of response to Gail Bradbrook’s post on February 1. It would be too much to share all, but this particular email from a friend (former CxO at a Big Bank) was the most detailed and illuminating,…

What if you had to fire 1 in 10 people every year?

I have waste in my life. I have a lot of things I could throw away. Old toys, broken computers, screens with cracks, lawnmowers that don’t work, Lego with bits missing, cables that I cannot remember what they’re for … the list goes on. This is my debt. My debt of waste. A house full…

A banker responds to Extinction Rebillion’s call

I had quite a lot of response to Gail Bradbrook’s post on February 1. It would be too much to share all, but this particular email from a friend (former CxO at a Big Bank) was the most detailed and illuminating, so I’m sharing it here. I’m sure Gail will respond to such critique in…

What are Stablecoins?

The Federal Reserve issued a paper about stablecoins at the end of January. There’s lots of good content there, but I particularly liked the way in which they opened the discussion which I have copied here (for full report click here). The basics of stablecoins Stablecoins are digital currencies recorded on distributed ledger technologies (DLTs),…

Does the regulator think that banks are clouding the issues?

During the lockdown, banks moved rapidly to sign cloud contracts. Thing is they were signing with the likes of Amazon, Google and Microsoft, but these are all American firms. Where are the European ones? I raised this issue two years ago, but it is now coming to a head as new rules require banks to…

The Finanser’s Week: 31st January 2022 – 6th February 2022

This week’s main blog discussions include … FinTech’s growing pains and toxic cultures I find it interesting reading the articles about toxic cultures at Revolut. If you Google “Revolut Culture”, the second search item is this one: “You’re nothing but a number to them with dollar signs attached.” That’s how Revolut, one of the fastest…

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