Opinion

Yesterday, I gave a presentation on the future of banking. This is because I specialise in the future of banking. When I say that I specialise in the future of banking, most people ask: “is there one?” An awful lot of people think there is no future in banking but they …

The UK's Financial Services Compensation Scheme (FSCS) was increased over the weekend by law from £35,000 to £50,000.  This means that for any banking collapse in the future, savers and depositors get their money back within seven days guaranteed, regardless of their loans and borrowings. This is meant to restore …

The UK's Financial Services Compensation Scheme (FSCS) was increased over the weekend by law from £35,000 to £50,000.  This means that for any banking collapse in the future, savers and depositors get their money back within seven days guaranteed, regardless of their loans and borrowings. This is meant to restore …

I stumbled across a photographer on the Boston Globe's excellent Big Picture yesterday.  The photographer lives in Britain and his name is Jason Hawkes. Jason's really into aerial photography and his images of the City by night are quite stunning. He's also given me permission to present a few of …

This is my fifth posting about why banking will be free (Parts One, Two,Three and Four). I keep talking about this as it's clarifying my own thinking, and I'm intrigued to see if anyone wants to come up with an alternative. This posting comes around because I was thinking about …

This year's social networking phenomena has to be Twitter. Ever since Janis Krums posted the first photo of the US Airways plane landing on the River Hudson on Twitter, everyone has been talking about it. From its creation in 2006, it has now become a mainstream tool for blackberriers, mobilers …

This year's social networking phenomena has to be Twitter. Ever since Janis Krums posted the first photo of the US Airways plane landing on the River Hudson on Twitter, everyone has been talking about it. From its creation in 2006, it has now become a mainstream tool for blackberriers, mobilers …

I was invited to Ireland this week to join a debate at the University College Cork's Philosophical Debating Society.  The Debate was entitled: This House Believes That We Should Let Banks Go To the Wall, as in banks should die if they are failing. This is well illustrated by the …

What a week was last week. HBOS's former executives on the back foot over risk management procedures whilst whistleblower and former Group Head of Risk at HBOS, Paul Moore, packs a few sucker punches to say no-one listened to his warnings about leverage. One person in particular ignored and then …

What a week was last week. HBOS's former executives on the back foot over risk management procedures whilst whistleblower and former Group Head of Risk at HBOS, Paul Moore, packs a few sucker punches to say no-one listened to his warnings about leverage. One person in particular ignored and then …

I've just uploaded my latest presentation on Banking as a Service, which was presented for the first time in Bahrain this week. This is therefore, in effect, my fourth posting about why banking will be free, or razorblade margins anyway.  You can read Parts One, Two and Three first if …

Intraday Liquidity is a term that would mystify some, but is one of the core issues of today as this is a liquidity crisis. Liquidity is the ability of a bank to meet its payment obligations by being able to identify those assets that can be quickly converted to cash. …

Intraday Liquidity is a term that would mystify some, but is one of the core issues of today as this is a liquidity crisis. Liquidity is the ability of a bank to meet its payment obligations by being able to identify those assets that can be quickly converted to cash. …

After the banking leaders apologies in government hearings, I think I also have to apologise to my friends in the banking industry.  The apology is for the fact that many of us have spent months now writing stinking anecdotes about bankers, the banking system and how rotten some of it …

After the banking leaders apologies in government hearings, I think I also have to apologise to my friends in the banking industry.  The apology is for the fact that many of us have spent months now writing stinking anecdotes about bankers, the banking system and how rotten some of it …