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Shaping the future of finance

Supervisors show their lack of depth in digital

Last week the European Central Bank issued a report on the state of digital transformation across European banks, and announced that they were not only interested in this space but would be supervising it. Yay! Disappointingly for me, the report and perspectives fell well short of what I think of as truly digital. Here’s their announcement…

The Finanser’s Week: 13th February – 19th February 2023

This week’s main blog discussions include … Why the 1% will always be the 1% There’s that line in George Orwell’s Animal Farm: All animals are equal but some animals are more equal than others It always makes me feel slightly uncomfortable, as it would be nice if we had an egalitarian world where everyone…

This week’s FU!

Valentine’s Day often results in a few breakups and this week saw the 2019 marriage between FIS and Worldpay come to an end as FIS announced they will be spinning off Worldpay Merchant Services. Our quizmaster was back on vocals again but rising prices turned our stomachs more than his singing did! Here are the…

Why the 1% will always be the 1%

There’s that line in George Orwell’s Animal Farm: All animals are equal but some animals are more equal than others It always makes me feel slightly uncomfortable, as it would be nice if we had an egalitarian world where everyone was equal … but it’s never going to happen. This struck me when I was…

FinTech is flourishing, not failing

I blogged the other day about a decade of FinTech failures, but FinTech is not failing, it’s flourishing as demonstrated by the numbers. For example I took note of Innovate Finance’s analysis of FinTech 2022 a month ago. The key headlines are: The total capital invested into FinTech globally reached $92 billion in 2022, a…

What is a stablecoin?

The Wall Street Journal reports that Paxos,  a company focused upon stablecoins, has been issued with a notice they are to be sued by the New York Department of Financial Services (NYDFS). Sources cited by the Wall Street Journal (WSJ) say the U.S. Securities and Exchange Commission (SEC) plans to sue Paxos for violating investor…

A decade of fintech failure? I don’t agree …

Isn’t the message of the start-up world to fail fast and pivot? Grant Easterbrook, a fintech consultant and former founder of Go Forward, writes on Techcrunch about four areas of FinTech that didn’t live up to the hype and, in his words, failed. I was intrigued by this, as I don’t think any part of…

Tomorrow, my love will be a deep fake?

I spend every day thinking about tomorrow. I’m now kind of troubled about tomorrow when I think about yesterday. Many things of old were great. The fact they’ve all gone or are going is maybe an issue. The fact that vinyl disappeared, replaced by CDs and now streaming was something. Yet, it’s weird, as it…

Is humanity losing something due to digitality?

A long time ago – so long ago that most people reading this weren’t born or had just started school – I said to my boss that cash machines were dead. At the time, I worked for NCR which stands for National Cash Registers, the cash machine company. The comment was not a popular one….

The Finanser’s Week: 6th February – 12th February 2023

This week’s main blog headlines include … This week’s FU! A singing quizmaster, naked customers, another UK exit on the horizon, silver foxes in the hen house plus more fintech fun and banking banter about the biggest news stories of the week. A few show notes here:-  Our resident Judge, Mary, was back in the…

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