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The main blog headlines are … Blockchain is dead I used to blog about blockchain and distributed ledger technology (DLT) almost once a week … four years ago. Today, I hardly blog about it at all. I guess it just shows what’s top of mind and what’s not at any …

I used to blog about blockchain and distributed ledger technology (DLT) almost once a week … four years ago. Today, I hardly blog about it at all. I guess it just shows what’s top of mind and what’s not at any time in FinTech and, right now, blockchain is not …

For many years, banks have talked about moving away from transactions and towards advice. The branch is for advice. We will become trusted advisors. We see the value-add of banking is the information we can analyse around your data to offer advice. Complete rubbish. I’m sorry, but I’ve towed that …

I was about to write a really nice piece about Apple’s announcement of the launch of a new credit card, in partnership with Goldman Sachs, when Brian Roemmele beat me to it. Who is Brian Roemmele you ask? And if you are asking that … WHERE HAVE YOU BEEN? Brian is …

Not sure if anyone noticed that the Financial Stability Board – the world’s central banks tasked with maintaining financial stability – produced a white paper on FinTech last month. It was published on Valentines Day, so you were probably busy, and I only just stumbled across it. Here’s the Executive Summary. …

So, I blogged last week about women in FinTech and whether we care, and got lots of replies … from women … who said yes, we care. Interesting that there were not so many replies from the other gender, but hey what do you expect? One interesting insight is that …

The main blog headlines are … Deutsche Bank and Commerzbank: the sick dogs of Europe #Brexit Watching the debacle of the #Brexit debate in Britain, you might think that the UK is in a national meltdown. According to a survey on the front of Metro this week, 9 out of …

Watching the debacle of the #Brexit debate in Britain, you might think that the UK is in a national meltdown. According to a survey on the front of Metro this week, 9 out of 10 Brits think that the political handling of Brexit is a national humiliation. I must admit …

One of the greatest challenges in digital transformation is the cultural change, that has to be led with passion and commitment from the top-down. As I’ve already mentioned, that means a Board mandate and the Chair and CEO being fully on board. But what about the C-team? And the level …

A year ago I blogged about invisible banking and that I have some issues with it, namely that the bank brand disappears and the customer finds it too easy to spend without thinking. Now, I read more and more about embedded banking, contextual banking, frictionless banking and more, and I …

I can understand why bankers can be sceptical about what technologists say. For years, technologists have been telling them that their business is threatened by technological change. They’ve been shouting that they will be disintermediated; they say that the bank must change and change fast to keep up; they argue …

I’ve written quite often about Sexism in the City and am intrigued by discussions of diversity, or the lack thereof, in both banking and technology. Google and more have been told they’re not hiring enough women, and Amazon’s AI engine recently trained itself to ignore women’s applications based on historical hiring. …

The main blog headlines are … Transforming the bank: three phases of change I’ve mentioned quite often that you cannot sort out all of the banks systems and structures overnight. It has to be a slow burn and often takes more than five years. It also appears to take place …

I’ve mentioned quite often that you cannot sort out all of the banks systems and structures overnight. It has to be a slow burn and often takes more than five years. It also appears to take place in three phases. The first phase is to sort out the basics. If …

There are five camps out there. The first is the FinTech camp. This camp sit around the campfire and go “down with banks, down with banks”. They believe banks are out-dated legacy firms who have no idea about the modern age of technology. They believe banks are money-grabbing Shylocks, purely …