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Banks waste billions on digital

How much money is wasted by banks on digital? I wonder whether, one day, anyone will work out how much money has been wasted by banks on digital technologies. Various reports reckon that banks spend anything from half a trillion dollars a year on tech to over a trillion. Two …

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Banks embrace the gig economy

I just got a report from PwC and my heart sank. The headline is: Financial institutions to significantly increase use of gig economy workers to upskill workforce PwC report suggests up to a fifth of future workforces in financial services could be gig employees The detail is: Importing the digital …

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Digital’s impact on towns: the end of main street

I’ve had several debates about the closure of shopping malls, the end of offices and the deserted high streets and main streets of the world. Add Covid lockdown to retail meltdown and the shops are disappearing faster than Donald Trump’s tweets. Thing is, the real question is: what is the …

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PC Banking

I made a joke the other day about visiting PC World, and you really have to watch what you say in there. Swimming with dolphins, using the word f**k, taking Rule Britannia out of the Proms, using the phrase nitty gritty, the list goes on. The tippy-toe issues are highlighted …

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The links between purpose, digital and leadership

As mentioned the other day, I’m focused upon purpose-driven banking these days. I guess this theme has come to the fore because of digital transformation, as the two seem to go hand-in-hand, and it sits at the heart of leadership. These themes were reinforced for me when Jim Marous sent …

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What was that Brexit deal, again?

Britain has left the EU, but now I read headlines everywhere saying cross-border movements are impossible, Ireland is broken, the City was ignored, our fisherman cannot sell shellfish and so on and so forth. A disaster? Possibly but, on the other hand, everything that is wrong with the EU was …

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The Elephant made me sad

Sitting quietly in my room, I felt someone breathing on my neck. It was him. Y’know. The elephant. The elephant represents the economy and this is the ninth in a series. “Wassup?” I asked. He just looked at me, mournfully. “OK. What is wrong?” I repeated. He had a tear …

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The start-up I should have started

I often feel bad for not having started a FinTech start-up myself. It’s not that I haven’t thought about it or had the ideas, it’s more to do with that I like to talk and write rather than do anything. Those who can’t, teach! Nevertheless, it’s not like I haven’t …

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Where is the Intelligent Bank?

I wrote a blog a few days ago about money not being about jars and pots. The gist of the blog is that it annoys me when banks offer different sections for different objectives: savings, education, wedding, holiday and so on. The blog got some pushback, saying that people on …

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