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Neobanks running accounts for a tenth of the cost of old banks

I’m always looking for innovations in new banks and spent some time with MYbank, the bank created by Ant Group in 2014. My first visit was in 2017, and the bank was doing well. Focusing upon SMEs, the bank shot to massive growth volumes, making a staggering $30 billion in loans in first quarter 2022…

Why is Goldman Sachs dropping the Apple?

The Wall Street Journal reported that Apple has sent Goldman Sachs a proposal to end their partnership within the next year, leaving Apple to find a new backer for its financial products. The Apple Card program was launched in 2019 to great fanfare but, within a year, Goldman Sachs was lamenting losses and costs for the partnership….

The big four drivers of the bank of the future

At another recent conference McKinsey presented. Now it is easy to take a pop at McKinsey but they have produced some useful reports recently, specifically: McKinsey’s Global Banking Annual Review 2023 Fintechs: A new paradigm of growth So, I was interested in their presentation. One slide in particular stood out, titled: the four key drivers…

Digital transformation is more to do with inclusion than banking

Space … the final frontier … these are the voyages of the challenger bank Trekkie. Our mission: to boldly go where no bank has gone before. Today, we landed on planet Earth and decided to look at financial inclusion, and the role of banks in ensuring everyone has access to an account. In some countries,…

When regulators crackdown on crypto, you know that crypto has crept out

The cryptocurrency industry is maturing and, as it does so, the government, statists and regulators are diving in to control it, as are the banks and financial institutions. In fact, it intrigued me when talking with a major institution the other day that they said they could have been Coinbase, if only their management team…

Are we cashless and branchless now?

I’ve just been travelling Asia and went on a trip where the entrance to the first attraction – the batcave! – was two ringgits. That’s Malaysian currency and the equivalent of around half a dollar. As per usual these days, I have no cash and this was the first and only time in my one…

“We have created a generation of box tickers and button pushers”

Six years ago, I wrote about John Cryan, the then CEO of Deutsche Bank, saying that most people in the bank would lose their jobs to AI. He stated at a German conference that “people behaving like robots doing mechanical things, tomorrow we’re going to have robots behaving like people”. Thirty years ago, showing my…

The superhero adventures of AML and KYC

In a land known as Fed, there are two superheroes: AML and KYC. They fly around the world looking for villains attacking the financial markets and aim to zap them. It is a difficult task, and getting more and more difficult every day, but they try … and they fail. In 2009, the estimated annual…

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