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Welcome to SIBOS 2012

So here we are, a few of us anyway, at SIBOS 2012 in Osaka, Japan. Having faced a lengthy and, for some, gruelling journey of 24 hours or more, the welcome greeting you find at the INTEX Centre is second to none. But then you get into the spirit of things, and my spirit is obviously…

Blog Welcome

Has your customer sold their soul?

Every time I click on something online, I get this funny thing about agreeing terms and conditions. The popup window appears and my brain shuts down.  I just hit ‘accept’, ‘agree’ and move on. I guess the reason is that I don’t care what the small print says, I just want the end result. I…

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The future bank will be like Siri

I spent a day strategising with one of the Middle Eastern banks about the launch of a direct bank service.  One of the key questions they asked me is: do we organise the back office in the same way as our contact centre and internet bank service? The easy answer would be yes, but that…

Britain celebrates euro failure

This week sees Britain celebrating. No, not the end of a phenomenal summer of sport. No, not the Queen’s Diamond Jubilee again. And no, not the 200 year anniversary of the start of the end of Napoleon after his fatal march to Moscow, although how we missed celebrating that one I don’t know. No, it’s none…

Cyberwars: a far bigger threat than hacktivists

Whilst consumers are electing the next major political leader via crowdsourced populism, governments and companies begin developing cyberarms. This cyberwarfare is already rife, with a host of malware targeting middle eastern nations (see end of blog entry). What is obvious from these developments is that cyberattacks are the new form of warfare that evades direct…

The Future of Hacktivism: the Collective Party

During the week, I’ve been discussing various aspects of risk and riot in the system, from the potential for an uprising to how anonymous works. One of the key areas to consider is also where all this goes in the future. That’s what I thought would be good to talk about today. I should be…

The uprising

I spent some time contemplating history last week, and realised just how many times we have been through moments like this. The Civil War in Britain; the storming of the Bastille in France; the Russian Revolution; the themes of many German philosophers during the 1800s, such as Karl Marx and Friedrich Nietzsche; and more. Throughout…

What is the alternative to LIBOR?

After the LIBOR debacle and the money laundering affairs of Standard Chartered and HSBC, the UK’s banks reputation are in the toilet. Now we have to rebuild, and this is where it gets interesting and challenging. After claiming that the Americans were holding our banks to ransom last week, we now see the potentially true…

Who are you f-ing Americans?

Standard Chartered paid off the new Sheriff of New York City, Benjamin Lawsky, to the tune of $340 million to get rid of the pest.  As Investec's commentator Ian Gordon said yesterday, they “acted with pragmatism and integrity in the face of extreme provocation”. What really gets me here is the whole USA versus the rest…

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Quantitatively Ease the People!

Anatole Kaletsky, the well-known journalist with the Economist and Financial Times, is advocating  Quantitative Easing for the People (QEP) over in his Reuters blog today. The idea is to give every household $6,000 or £6,500 per person to increase consumption and spending.  The amounts are based upon the fact that these are the figures central…

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