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Innovation

Dare to dream and be unashamed by failure … in banking?

Rsz_whitney_johnson_0181

In Boston I was honoured to be invited to deliver the keynote to my law firm sponsors, Goodwin Procter, at their third annual banking symposium.  The audience comprised mainly community banks from the North East of the USA, and the discussions comprised panels debating the key issues we all deal …

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Ryanair Bank or Private Bank? Your choice!

Picture1

I’ve talked for some time about component based banking but what about component based pricing? Bank pricing is the most opaque part of the industry, and the part that irritates customers the most.  Customers get charged high fees for unauthorised overdrafts as this funds free bank services for those who …

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Ryanair Bank or Private Bank? Your choice!

Picture1

I’ve talked for some time about component based banking but what about component based pricing? Bank pricing is the most opaque part of the industry, and the part that irritates customers the most.  Customers get charged high fees for unauthorised overdrafts as this funds free bank services for those who …

Read More »

Apple dazzle or Apple schmazzle?

Apple Pay

After years of indecision and procrastination, Apple finally announces what they are going to do in the payments space and the world goes wild. All the media I read seems far more consumed with Apple Pay discussions, than about the iWatch or iPhone 6 with the bigger, flatter screen. Even …

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Hello, PayPal Here

PayPal here

I’m a fan of anything that makes life easier and, for me, PayPal is one of those things. PayPal allows me to make cross-border payments easily. Even better, it allows me to take cross-border payments easily.

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Hello, PayPal Here

PayPal here

I’m a fan of anything that makes life easier and, for me, PayPal is one of those things. PayPal allows me to make cross-border payments easily. Even better, it allows me to take cross-border payments easily.

Read More »

Fintech is the place to be (and so is London)

Fintechtopvc1

I was reflecting on the number of new companies starting new ventures in financial services, and wanted to quantify the numbers somehow. This cropped up because almost everywhere I go, there’s a fintech start-up or start-up challenge. Barclays has The Accelerator, SWIFT has The Start-up Challenge, Finovate highlights the hot …

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Who are the best investment banks out there?

JPMorgan

I was asked by a colleague the other day: “can you name two examples of successful strategies used in investment banking to differentiate and win”. My first reaction was to say that I could name several that were strategies to differentiate but lost, most of them with JPMorgan.

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