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Opinion

Does your bank look like this?

Henry Ford famously stated: “If I had asked people what they wanted, they would have said faster horses.” Of course they would, as they had no idea what anything else was. In fact, I use this story often as a Victorian vision of the future was a steam-powered robot horse. …

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Today’s cool is tomorrow’s retro

I was once again reminded of the stupidity of passwords when locked out of yet another service that I use maybe once a year. When I decided to reset the password, once again my iPhone offered to set up a strong password that it would remember for me. Once again, …

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Time for a global regulator

I was in conversation with a banker the other day and we got around to regulations and regulators, as many conversations with banks tend to do. There were some interesting reflections in that dialogue, however. I guess it falls into three categories: the way regulations used to be; the way …

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If banks provide no advice, what do they provide?

For many years, banks have talked about moving away from transactions and towards advice. The branch is for advice. We will become trusted advisors. We see the value-add of banking is the information we can analyse around your data to offer advice. Complete rubbish. I’m sorry, but I’ve towed that …

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