How the system crushes the poor
Building on yesterday’s discussion of the digital divide turning into a human divide*, I find it intriguing how we talk incessantly about financial inclusion and how technology will bank the unbanked. It is our dream. But is it just a dream? The reason for thinking this is that poverty and inclusion is yet another area,…

Living on Mars or an Inferno?
I love the predictions of scientists, but they’re often wrong. The internet has a litany of stupid predictions from IBM’s President saying that there’s a worldwide market for about five computers to The Atlantic predicting that, by the year 2000, we would no longer be engaged in wars. The latest predictions are that, thanks to improvements…

Fintech 1, 2 and 3.0 … there’s an elephant in the room and it’s under attack
I was piqued by Victor Matarranz’s [SEVP Head of Group Strategy and Chairman’s Office, Banco Santander] presentation at MoneyConf last week, mainly because he began by talking about Fintech 1.0 versus Fintech 2.0. Fintech 1.0 he defined as the emergence of peer-to-peer lenders and new payments companies between 2010 and 2014. During this time everyone…

What does #Brexit mean for the City and #FinTech UK?
The UK has had a long weekend considering the consequences of the Brexit. Chris Skinner has had a long weekend considering the consequences on London, the banking industry, Fintech and more … and I have to say that I’m quietly positive. I don’t think we’re going to see the meltdown the doomsayers are rumour mongering,…

America’s regulatory issue is too many cooks
I’ve had a few meetings with folks at the White House over the past eighteen months, which has been an honour and not something I felt I should blog about. The National Economic Council woke up to the FinTech world early last year and have been consulting with many in the FinTech ecosystem. The latest…

America’s banking regulations strangle innovations
Whilst almost 500 banks failed in the USA between 2008 and 2012, only three new banks opened. Only three new banks have opened in the United States since 2010. Before the financial crisis, over 100 banks set up shop each year, on average, according to data from the Federal Deposit Insurance Corporation, the agency that approves…


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