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How digitalisation is changing lending

I was recently having a chat with my old friend Slava Solodkiy about the way in which digitalisation is changing lending. He then surprised me by summarising our discussion and allowing me to share it here! Here’s his write-up: How digitalisation is changing lending When thinking about this my brain thought linearly – taking current…

When the going gets tough, the tough ask questions

There are a number of numbers being bandied around regarding the major slump in the fintech sector over the past two years. The latest one that I picked up on is from the Indian data intelligence firm Tracxn, stating that UK fintechs raised just $4.3bn in 2023, a sharp drop from $11.2bn in 2022, which…

We need banking that is unusual

Over the week, I got an update about Revolut and their business model. It was quite interesting although a little bit macro-level. My favourite part is where the Business Model Analyst listed the competitors to Revolut: Monzo: Monzo is a UK-based digital bank that offers features similar to Revolut, including budgeting tools, international money transfers, and fee-free spending…

HSBC puts a Zing into 2024

HSBC has just launched a rival to Revolut and Wise for consumer foreign exchange transfers. Calling it Zing*, and currently available only in the UK, the idea is to offer a “worry-free
international money app”, even though they exist already. Why would HSBC’s be any different? You can find out the nuts and bolts of Zing…

The SEC approves bitcoin … or does it?

Everyone got very excited last week about the SEC (Securities and Exchange Commission, USA) approved the use of bitcoin on ETFs (Exchange Traded Funds). Fantastic … but what does it all mean? Does it mean the SEC approves of bitcoin trading? Does it mean the Federal Reserve and USGov endorse cryptocurrencies? Some would say yes,…

Looking back at 2023

As usual at the end of the year, I look back and see what was of most interest in the blog over the last 12 months. So, here goes: #10 Will Silicon Valley Bank kill the FinTech industry? “When you’re not working, what do you do to de-stress?” was the last question Greg Becker, CEO…

Are banks and fintechs partners, competitors or suppliers?

Over the past decade+ we have seen thousands of fintechs arise. Many are challenging and disrupting, whilst many more are providing and supplying. What is the role of a fintech? My advice is that fintechs are there to fix the things that banks do badly and offer service to those who banks don’t serve. The…

JPMorgan: data is fuel for the business

Building on yesterday’s blog, I just stumbled across a podcast called Tech Trends by JPMorgan Chase – everything to do with tech, digital, data and fintech, broadcast by a bank. Fantastic. The first show I downloaded is all about organising data to fuel growth. Interestingly, their Chief Data Officer defines data as the fuel for…

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