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SMEs are the FinTech’s bees knees

I write a lot about FinTech payments, lending, roboadvice and such like. But there’s been a strong bubbling trend underneath all this that has not gone unnoticed. I’ve just not blogged about it enough. SMALL BUSINESS FINANCE People talk a lot about finance for SMEs – small to medium enterprises …

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Card … short for Cardbored

I’ve been finding it increasingly frustrating on my travels, thanks to one of my credit card companies. My travelling depends on two credit cards: a bank issued corporate MasterCard and American Express. The reason I carry these two is that the MasterCard works across Europe, where quite a few countries …

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The war for (banking tech) talent

I had an interesting discussion about hiring technology people into banks the other day. The challenge of finding top coders is a big one, as there’s an awful lot of other firms to join out there. You could join a hot FinTech unicorn like Monzo, SoFi, Stripe, Ant Financial, Ping …

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When did FinTech become cool?

When did FinTech become FinTech? When did technology in finance become cool? I guess the first thing is to define FinTech, which I did badly four years ago. I say badly because my definition back then was: FinTech [is] a new market that integrates finance and technology. This new market …

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M&A … Murder & Assassination

I was having a breakfast meeting with a banking friend who had recently been through a tortuous experience. His start-up had been acquired by a major traditional bank, and it ended with blood on the floor. The start-up got squeezed into the Empire, and it literally was like something from …

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Earth’s future is all down to the banks

I’ve been struggling for a while now. My struggle is that I love flying around the world, seeing new places, meeting new people, finding new things … but I hate polluting the planet. This was brought to a head this week in a back-to-back meeting on sustainable finance that made …

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The world’s most destructive bank?

I feel sorry for Deutsche Bank. I’ve worked with the bank and they have some great people. It used to be that their investment banking services were one of the best in Europe, alongside UBS and Barclays Bank. That was before September 2008. Since then, it’s been like an old …

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When will the FinTech bubble burst?

Reading about FinTech unicorns and pizzas worth $80 million, you would think that the world was bubbling over with wealth. FinTech investments last year peaked at over $110 billion, more than double the year before, and IPOs for firms like Uber and WeWorks are seeing valuations in the stratosphere. Everything …

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Will children save planet earth?

After my recent blogs about Earth Day, Banking for Humanity, the FinTech Parent-Child relationship and Gen Y and Z: Doing good for society and the planet (an Earth Day FinTech update) Doing bad for society and the planet (an Earth Day banking update) Banking for Humanity? FinTech and the Parent-Child …

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Are you focused on the right customer?

Another few articles I’ve picked up this week have focused upon the new generation of consumer: Gen Z. I would call them the iGen but that’s too branded, so marketers call them Gen Z. Who are the Z Gen? As of 2019, the breakdown by age looks like this: Baby …

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