Regulation
UK regulator to crack down on Buy Now, Pay Later
It’s interesting that the UK regulator, the Financial Conduct Authority, came out with its review of the Buy Now, Pay Later (BNPL) economy, and the media started comparing Klarna with Wonga. I’ve blogged in-depth about both in the past: Whatever you think, Wonga is doing well, July 2013 The Finanser Interviews: Niklas Adalberth, Co-Founder, Deputy…

Creating a level playing field for regulating FinTech
The Bank of International Settlements (BIS) just released a paper on how governments and central banks should deal with FinTech upstarts. Here are the conclusions: Helping to achieve a level playing field in the provision of financial services is a desired outcome of the regulatory framework. This entails facilitating an orderly entry of new participants…
Breaking the stranglehold of banking
Someone asked me to elaborate on the links between banks, government, the economy and society, and this was well illustrated by the video I shared the other day of James Pierpont Morgan, who founded the JPMorgan empire (see end of this blog entry). That all began with learning the banking ropes in Europe; then enabling…

Regulation is meant to strangle innovation
I guess I’ll build on yesterday’s blog, about the python of regulation, by harking back to a comment I heard many years ago in Brussels. Talking with one of the key regulators, I asked why they had the regulation in place with so much interpretation. My point was that Italy was implementing the regulation in…

Or will CBDCs destroy banking?
I keep wondering about the future. Governments vs Libertarians? Centralised vs decentralised? DeFi vs CBDC? My conclusion is CBDCs will win, in the financial markets. Why? Because money is critical to our lives. It’s a key. You cannot ignore it. It’s what we created to make society orderly. I discussed this a lot and in…

The future of money: a speech by the Governor of the Bank of England
Last week the Governor of the Bank of England, Andrew Bailey, gave a virtual speech at the Brookings Institute on the future of money, technology, payments, digital currencies and central bank digital currencies. It’s an interesting speech, and worth sharing here. Enjoy. Reinventing the Wheel (with more automation) Speech given by Andrew Bailey, Governor of…
What is the future?

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