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The world’s most valuable bank changes CEO

In a surprise announcement the world’s most valuable bank, PJ Margon Choice (PJMC), has announced that their long-standing leader, John Demon, is standing down to be replaced by Tim Blomfjord, the founder of Mongo. In the press release there are some interesting nuances as Demon states: “I realised that now …

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11 realities of 2030

People talk about time travel a lot. Hollywood loves it. Going back in time or forward in time is really popular. Switching bodies between a young you and an old you is often a theme. Being able to jump time is great fiction. And yes, it’s a fiction but, if …

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And being rich doesn’t necessarily make you happy

Following on from last week’s discussion of smarter people not necessarily being wealthier, the mind is a funny thing. What makes you tick? What makes you laugh? What makes you cry? When you reflect, you introspect. It can be dangerous. Who are you? Why are you here? What is your …

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Is technology making life better or worse?

We had a big debate in our NFI group the other day about whether technology is improving our lives or making things much more complicated. It used to be that you could walk around without a mobile or laptop and life wasn’t bad. Today, we have to have WiFi and …

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Is it true that smart people are richer?

A natural thought is that if you’re smart, you’re more likely to be rich, but that’s not true. There are many smart people who are poor and many stupid people who are rich. Why so? Because wealth has nothing to do with intelligence. A study published in November 2016 in …

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OpenBanking+

I’ve been looking at where we are in 2022, compared with 2012. In 2012, everyone was talking about FinTech disrupting and destroying the dinosaur banks; in 2022, banks are buying FinTechs and even launching their own start-up FinTechs Things have changed. I blogged a while ago about the phases of FinTech …

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Should we be calmer about #Klarna?

Back in 2015, I interviewed Nikolas Adalberth, a co-founder of Swedish FinTech unicorn Klarna. Little did I know back then that they would be of the biggest stars of FinTech and the creators of BNPL, the Buy Now Pay Later, revolution Is it a revolution? Not really. It’s just another form …

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Are regulators looking backwards or forwards?

Jason Butcher, CEO of CoinPayments, posted this picture on LinkedIn the other day: I like it. The roots of innovation are in policies. The core of innovation is in the tree trunk’s technologies. The product of innovation is from enabling policies and technologies. True. Except it doesn’t work that way. The …

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