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Opinion

Chip & PIN is broken (UPDATE)

As many readers know, I've disliked Chip & PIN pretty much since it was launched, as there are better solutions out there.  Here's my comment from 2006: Chris Skinner, CEO of financial services think tank Balatro told silicon.com: "I'm an anti-chip and PIN person. Sorry Apacs – I like them …

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The Long Now of Finance, Part Three

OakTree

In the last of three reports on the Long Now of Finance (Part One and  Part Two), the last part of the day focused upon new ways of banking and supporting 10,000 year thinking, with Bernard Lietaer opening the session with a dialogue around using demurrage to encourage this. Demurrage …

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The Long Now of Finance, Part Two

Maeslant

Following on from yesterday’s blog about 10,000 year thinking, how does this relate to or work in finance? The idea is to fund long-term projects. The sort of massive projects that no-one knows how to fund. The sort of project that governments shy away from as politicians only have four-year …

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The Long Now of Finance

400people

So I finally got to attend a free lunch! This was the launch of the largest event focused upon using long-term thinking in finance that I’ve ever seen, and sponsored by many organisations including the Financial Services Club. Around 400 folks gathered to hear the wise words of legendary thinkers …

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Technoverload

Ipad

Warning: this is a rage against the machine So the iPad comes out. Guess what?  Just as I bought an iPod, the iPod Touch came out. Now, just as I buy the iPod Touch, the iPad comes out. It’s annoying 'cos I want one, but I just bought one.  The …

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Halifax’s marketing is the worst I’ve ever seen …

Every time the new Halifax ad comes on the box, I cringe … Now I’ve blogged about their awful advertising before and how insensitive it seems post-crisis, but this one really gets me down. Not only is it cheesy, poorly executed and raw, but it actually makes most of the …

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What the Halifax should have done …

Howard_Brown_Halifax_Man_Student_Pocket_Guide2

Thinking about the Halifax’s ads a bit more, some may say: “they are so bad, they’re good”, in a Shake & Vac sort of way (one of Britain’s most memorable and iconic ads – see end of blog entry if you want to see it). I disagree. The Halifax ads …

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What is this f****r fee?

So yesterday’s big news is the new Financial Crisis Responsibility Fee, the FCR fee or f****r fee as the bankers are calling it. This is Obama’s big idea to get back lost TARP funds, by introducing a tax of $1.5 million per billion dollars of liabilities on a bank’s balance …

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Survival of the richest

It’s been a difficult time for City bankers, what with all the flak over bonuses and easy money after almost bankrupting the world. The longest lasting row relates to bonuses and remunerations packages. This hit the headlines a year ago, and was debated here with the arguments for and against. …

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Battleground 2010: Sharks versus Gorillas

West Side Story

After West Side Story, the Sharks got over the Jets and are now targeting the Gorillas. Actually nothing to do with music or film, we’re talking banks. Back in the 1950s you had large banks (Sharks) being run around by small banks (Jets) who were nimbler and quicker … so …

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Who am I?

Snow1

I’m sitting in the house. It’s snowing. Look. This is big news. We don't get snow in Britain anymore. Global warming saw to that. So when it's snowing, it's major news headlines. Non-stop BBC reports saying: "it's snowing". And so it's snowing, and Britain has stopped. Literally. Everything has closed …

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