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Shaping the future of finance

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Too many banks

I’m losing track of the number of new banks that have announced they are launching in Britain.  I say there’s 40, but there appears to be a new one every day.  The latest one is Zopa, the P2P lender, who are branching out … not that they have any branches to begin with. So, from…

A glimpse of the future, part one

I know I talk about banking and technology most of the time, but I also have other topics of interest.  Art, history, travel, fine wine … although I obviously look at them all from a banker’s point of view and wonder what it’s worth. All that said, one of the biggest areas of surprise in…

Banks’ burning platform is obvious

My presentations change every day, but I got a great new slide to illustrate the burning platform that banks sit upon.  This is the one I was blogging about yesterday, and the one area I blog about incessantly (so much so that I bore myself). But there is a burning platform in all banks, and it’s…

The cynical bankers’ trick: show me the money

I’ve spent decades preaching transformation and the easiest way to shut me up is ask: Where’s the business case? This is the question normally asked by the mealy-mouthed cynical financial controlling banker in the audience … They want the spreadsheet showing the cost-benefit analysis and return on investment figures.  The problem is that, as anyone…

Who owns the customer in the internet of things?

I’ve been talking the internet of things for a while as, after all, The ValueWeb is the internet of value that underpins the internet of things. A key concept of the internet of value is how it supports your television, car, fridge, shoes, phone, computer and your partners’ and chidlrens’ things to buy and transact. …

Forget GAFA, the real threat is FATBAG

I’ve blogged a few times about GAFA – Google, Apple, Facebook, Amazon – as the worrisome Gang of Four.  Sure, we can worry about them, but the thing is to stop worrying and do something.  Australian banks decide to stop Apple by taking them to court; British banks would rather partner with all of them;…

InsurTech: changing the world of risk

I haven’t blogged about InsurTech much, as this is a banking blog, but having started life in the insurance industry I guess it’s time to shine a light on this corner of the financial world. My first hearing about InsurTech, or InsTech if you prefer, was in a US conference a couple of years ago…

RegTech: Brother in Arms with FinTech

During recent months, I’ve enjoyed a real ding-dong of conversations between Europeans, Asians, Americans and Brits about FinTech and, to be more specific, RegTech. RegTech is a couple of years in catch-up with FinTech, and is all about how to use technologies to make regulations more efficient and effective. The claim is that the UK…

The Banking Bazaar and the Bizarre Banker

I’ve spent a lot of this week talking about marketplaces.  We have a growing number of financial marketplaces appearing.  Lending marketplaces, credit marketplaces, payments marketplaces and more.  A marketplace is the bazaar.  Market stall holders gather to meet with prospective clients, and the digital version of the marketplace is the focal point for many FinTech…

The developer-driven bank

Building on yesterday’s blog (Do bank’s need a CIO?) , the key misunderstanding is the role.  Most banks thing the CIO is there to run the technology.  They’re not.  That’s what they used to do.  That’s not the job for the future. First and foremost, the person leading technology developments in any incumbent bank of…

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