Most Viewed Articles
Do you need to be in finance to start a fintech?
I saw an interesting comment the other day that got lots of shares, likes and clicks: fintech founders MUST have some experience in banking or financial services background first before they are funded. Many fintech neophytes destroy so much value not out of deliberate actions but just pure ignorance. Funnily enough the person making this…

Could Apple solve the digital identity issue?
Every day I am finding security on my banking transactions more and more annoying. The reason? I have to confirm via a secondary approval the transaction; I then have to confirm the secondary approval with the vendor with a further secondary approval with the financial provider; I then have to process a further approval through…

Does FinTech have a pulse in 2023?
KPMG’s recent Global Analysis of FinTech Funding Report shows a mixed landscape for fintech funding in H1 of 2023. The Americas, Asia Pacific (ASPAC), and Europe, Middle East, and Africa (EMEA) saw different rsults when it came to investments in venture capital and private equity funding. The key takeaways from the report for H1’23 included…

How onchain is your bank?
I bumped into an interesting online debate the other day, that started with Brian Armstrong, the CEO and founder of Coinbase, who always has something worthwhile to say. His opening line on a recent Coinbase blog is a good example: Coinbase is working to update the financial system that was built over 100 years ago by enabling…

AI is not big … it’s HUGE!
A few years ago, a bank CIO said to me that he was not that bothered about blockchain technologies, as these involved many externalities; he was far more interested in AI, as this could make breakthroughs with internalities. In case his words are lost in translation, what he meant is that blockchain would not deliver return…

Will micropayments drive crypto adoption?
We’ve talked for years about the need for micropayments. I can remember in the 1990s that the pay-per-view model demanded a payment for a single piece of information. Why should I subscribe for $30 a month to a website where one article has become relevant? Surely, I could pay $0.50 cents to read that one…

The best challenger bank in the world?
Brazil’s FinTech giant Nubank just crushed its 2Q 2023 earnings. We have never seen growth like NU’s in any challenger bank. In fact, some would claim – including me – that this ten-year-old company is not only the strongest neobank in the world, but one of the best-run digital banks ever, maintaining solid profitability. Here…

What is the future?

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