Innovation
The Finanser Interviews: Niklas Adalberth, Co-Founder, Deputy CEO and Board Member, Klarna
Following our regular weekly interview, the Finanser talks this week with one of Europe’s fastest growing unicorns, Klarna, in conversation with co-founder and Deputy CEO Niklas Adalberth, To begin with, perhaps you can tell me how you and your colleagues came up with the idea of Klarna. Sure. When we started this company, the entire…
When paying is free, what then?
What happens when the cost of payments reaches zero, the speed of payments is instant, and everyone globally can make and take a payment, what happens then? I just had an interesting chat with someone and realised two things: one is that we’re talking about moving away from batch to real-time, and that’s where the…
FIDO needs more vision for digital identities
The real way to crack the onboarding and criminal activity is to create strong and secure digital identities. We are moving in that direction, but it’s a long slow process. For ages now, I’ve written about getting rid of passwords and improving authentication using mobile technologies: Why is KYC so difficult? AML prevention lies in…
What do narrow banks mean for wide banks?
In this world of choice that emerges from the integration of new technology models and old financial models, we see hybrid systems emerging that bring together the best-of-the-best. A great example was announced today, as Metro Bank and Zopa join forces. The deal allows deposits from Metro Bank retail customers to use P2P lending as…
Why banks (and PayPal) don’t simplify
As the internet reinvents commerce on this planet, it’s interesting to see the two things that enter the innovation mix: simplicity combined with connectivity. When you think about the Uber, Airbnb, Facebook, Google, Amazon and more, you realise that they have all simplified some complex things from sharing to finding. Google’s home page has stayed…
The jury’s still out on Apple Pay…
This is a blog from the Hotwire PR website, written by Camilla Ives. It summarises my good friend John Chaplin's Payments Innovation Jury Report report well. The report has been produced annually for the past four years and John will be presenting this in person to the Financial Services Club in England (June) and Poland…
The biggest banking challenge is leadership
So yesterday, I identified the three biggest challenges to banking today based upon a major dialogue on social media with the Next Bank Facebook community. Those three barriers are regulations, legacy and culture. The three barriers are intertwined in a vicious circle. Regulations stop banks from innovating; legacy systems stop banks from innovating; a risk…
Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us
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