In these days that are dumb, I would rather have no bot
I regularly come back to a theme, which is how cloud computing and the smartphone have changed the world of banking. Why banking? Well, the world of entertainment, flights, shopping and more were changed by the internet in the 2000’s, before these technologies appeared. But when the smartphone and cloud landed, banking was disrupted. Why…

Old bankers don’t retire … they just lose interest
Fifteen years ago, I had a presentation entitled All Bankers Are Criminals. It’s a great title, and was basically all about corruption in the City and how to stop it. Corruption takes place every day. Just as criminals and cybercriminals are trying to steal the money, so are employees and partners. These are the things…

Is Warren Buffett a “sociopathic grandpa”?
Although the comments were made in April, I only just found this article about Peter Thiel’s presentation at the Miami bitcoin conference. Peter Thiel is a billionaire friend of Elon Musk, who both founded PayPal. Peter’s more behind the scenes investing these days, with SpaceX and Stripe amongst his key holdings as well as a…

The Prime Minister’s speech: Growth versus Degrowth
I listened to the new British Prime Minister, Liz Truss, speaking at her Conservative Party conference. She mentioned “growth” 29 times. I know what it is like to live somewhere that isn’t feeling the benefits of economic growth … Low growth isn’t just numbers on a spreadsheet. Low growth means lower wages, fewer opportunities and…

What is Regenerative Finance (ReFi) (Part One)
I’ve been talking a lot about DeFi, CeFi and HyFi, and someone said: what about ReFi? ReFi? What’s that? Well, ReFi is all about Regenerative Finance, a system to rebuild Earth. Therefore, having shined a light on Gail Bradbrook’s thinking (she’s co-founder of Extinction Rebellion) for the last months, I’m pleased to introduce you to…


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