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Marc Andreesson of Andreesson Horowitz fame, the leading investor in fintech start-ups, published a long piece on how AI will save us the other day. It is well worth a read, but it is a long read (about 30 minutes) so, if you don’t have the time, here is a short summation of what he…

A month ago, I discussed the American Security and Exchange Commission’s (SEC) case against Ripple, who are accused of trading securities with the question: are cryptocurrencies securities? Since then, the SEC has issued warrants against Binance and Coinbase, and seem to be in full flow to stand up against the crypto trading industry and bring…

I recently presented at the DIFC’s first Dubai Fintech Summit on the past, present and future of banking, finance and technology. It was fun, but with only twenty minutes, it was fast. So, here is that presentation and transcript if you are interested … Slides:  Video: Transcript: Some of you may know me but,…

I’ve written a lot about JPMorgan for over two decades, ever since Jamie Dimon took over the bank in 2004. Back then, it was notable that he made a decision to revoke a massive ten-year outsourcing contract with IBM. Industry watchers see Dimon’s fingerprints on Chase’s decision, announced Wednesday, to cancel the company’s $5 billion,…

I’ve written quite a lot about Revolut and Monzo, as well as many other challenger banks. Now, as we hit hard times with rising inflation, interest rates and a recession looming in so many markets what’s the state of the fintech nation? Well, it’s challenging for challengers. Some are doing well, but many are being called out for…

It’s interesting how countries and regions are responding to all of the interest in cryptocurrencies. The European Union is the latest to make a move with DAC8. What’s DAC8? Well, it stands for Directive on Administrative Co-operation. The European Commission has proposed new tax transparency rules for all service providers facilitating transactions in crypto-assets for…

With the wake up and shake up talk hitting the radar every day about AI, it should make all of us wake up and shake up when the person who founded OpenAI, the foundation of ChatGPT, launches a currency. The currency is called Worldcoin, and uses eye biometrics to operate and recognise identities. According to their…

I am getting more and more blown away by AI these days. Not only is ChatGPT able to write my blogs, but relationships are now run by deep fake robots. In a recent experiment, the US medical council did a blind test of patient treatments, where patient questions were answered by human doctors but, also,…

After Brexit, I hear and read a lot of negative things about doing business with Britain these days. The latest is Revolut complaining that Britain doesn’t like them. That’s not true. It’s more to do with Revolut cannot deliver their accounts on time (they blame the regulator for this) and cannot get the banking licence…

As the global superpower that I grew up with, America has dominated everything in my life. I’ve worked for American companies; I watch American movies; I use American tech for almost everything I do … in fact, as a Brit, I’m so American that the only thing I don’t do is pronounce a Z as…