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Opinion

When will Amazon launch its bank?

Name the company that strikes fear into everyone’s hearts in business? In the 1980s, it was IBM. You never get fired if you buy IBM, even though It’s a Bloody Mess. In the 1990s, it was Microsoft. Sure, Most Intelligent Creatures Realise Our Software Only Fools Teenagers, but yes, they …

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Did 2018 live up to expectations?

As usual, I began the year with a bunch of predictions. I always like to end the year by going back and reviewing them. My own predictions were a little bit off. I said the main four things that would happen this year were: Getting down to business with Artificial …

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A word of advice to conference organisers …

As a professional conference goer, I have certain routines. My main focus is to learn and, although I won’t attend every session, I will attend many. Unfortunately these days, the wandering mind and desperate need to get to the next level of Candy Crush, means that most of the time …

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As we raise one, raise all

I just got back from Russia recently where I was interviewed by one of their leading journals. The journalist had read Digital Human, and took a very Russian take on it. His first question was along the lines of: if we are automating so much, then the people who own …

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Asking banks to be responsible is like …

The United Nations Principles for Responsible Banking were released last Monday. The aim is to help any bank – whatever its starting point – to align its business strategy with society’s goals. It’s a nice idea, but is it practical? In a guest column James Vaccaro, Director of Corporate Strategy at …

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FinTech and the Parent-Child relationship

Another theme that I talk about regularly, and that came up last week, is the FinTech relationship being like a parent and child. The parent wants safety and security and a nice stable home; the child wants to run around and kick and break everything, and challenge everything the parent …

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Change the bank or change the leadership

I’m likely to be blogging about leadership all this week, as that was the theme du jour of our Nordic Finance Innovation meetings in Copenhagen and Oslo last week. Saxo Bank, DNB, Danske Bank, Nordea and more were discussing the challenges of digital transformation and the leadership challenge, and I’ve …

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What banks can learn from British Airways

Something happened to me this week that made me think of big bank friends. It’s a different industry and one that, last month, I said we could learn from:the airlines. So, here’s a sobering, learning lesson. I’m a gold member of most airline networks, having flown Star Alliance and One World for …

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Are you really ‘doing digital’?

I’m regularly asked why I don’t think banks are doing digital yet, and my answer consists of a series of steps. First, does the banks’ leadership team talk about digital, digital banking, digital investment and digital transformation? Invariably, all bank people tell me yes. OK, second, has the bank actually …

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The 1% will always get richer

Emmanuel Macron faced protesters across France during the weekend, in a country where he has been dubbed The President of the Rich. What interests me is that title. The President of the Rich. Are not all governments, the governments of the rich? Isn’t that why we have the 99% for, …

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