Money over Internet Protocol (MoIP): who issues and regulates it?
I found a very interesting column on Forbes by Caitlin Long. She compares banking to the telco industry twenty-five years ago, and that the big telecoms firms all went bankrupt because they didn’t predict or see the impact of VoIP (Voice over Internet Protocol). I really enjoyed the article but, at the same time, found it…

Will Visa and MasterCard survive?
I spotted an update from a colleague the other day, questioning the future of the big card processing companies. For me, they are a duopoly. Processing more than three-quarters of world card payments, and terminals and paypoints everywhere online and offline, I cannot see Visa or MasterCard (MasterChip?) disappearing in the near-term. That leaves a…

What happens when the bank robber is the bank?
We’ve seen failures of systems in Zimbabwe, Venezuela and other nations. What if it was here? You think everything is stable, secure, reliable and resilient, and then suddenly it isn’t. Does this sound far-fetched? Well, it’s not. It could happen anywhere. I’ve been lucky enough to be in mostly positive worlds, where governments have ruled well…

Farewell to the Queen
I didn’t want to comment on the death of the Queen. It’s got nothing to do with FinTech, Banking, Technology or finance … but, in the last few years, I created a charity with my good friend Basia Hamilton, a world-leading portrait artist, to encourage children to paint and draw. The Portrait Foundation is now…

The Finanser’s Week: 12th September – 18th September 2022
This week’s main blog discussions include: Skandal! starts tonight on Netflix: the story of Wirecard Skandal! starts tonight on Netflix What’s all that about? It’s all about Wirecard and the investigative journalism of one Dan McCrum, a friend who reported on the affair with The Financial Times. Over time, Dan’s work resulted in proving that…


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