Technology
What happened to the bitcoin bubble?
I was interviewed by UBS’s wealth management team a month ago, when the bitcoin bubble was in full bloom. The price had exploded, tripling in a month. Now that it has burst, the interview seems quite prescient so, here it is … UBS interview with Chris Skinner Cryptocurrencies – digital currencies based on encryption –…
The first global platform play from Ant Financial
One company that is seeking global domination is Ant Financial. The company has an open stated intention to reach two billion users by 2025. The way in which they’ll achieve that is through local partnerships, and many of those have been started already: Ant Financial invests in Thailand’s Ascend Money as part of global expansion…
The way we bank is radically changing too
The British Bankers’ Association released their The Way We Bank annual report last Thursday. It was interesting. Here are the key highlights: Over the past five years customers’ activity on banking apps rocketed by 354%, with apps now an increasingly popular way to access current accounts rising from 21% of access in 2012 to 61%…
Did you realise it’s only 10 years since the iPhone was released?
It’s a decade since the iPhone launched. Steve Jobs unveiled the new phone on January 9th, 2007. The first iPhones were made available to the grubby hands of the public on June 29th, 2007, exactly ten years ago today. This was originally just for American consumers with the UK, France, and Germany following in November…
12 reasons why banks don’t innovate
I just got back from the ICEEfest in Bucharest, Romania. It’s a fantastic expo organised by Dragos Stanca and his team, and was very enjoyable even with the master of ceremonies, Jeff Leach, taking the mickey out of me. Jeff is an actor and comedian, and spent the whole conference f-bombing the speakers and the…
90 minutes a year in a branch versus 45 hours on an app
We had a great meeting of the Financial Services Club this week with guest keynote Derek White, Global Head of Customer Solutions for BBVA reporting directly to the CEO, Carlos Torres Vila. Derek is responsible for the drive to transform the customer value proposition, including global product and design, customer experience, launching new products and…
The crazy world of crypto currencies and ICOs
I’m boarding a flight yesterday and murfing (mobile surfing). Flicking between Facebook apps, twitter, bank account, BBC news and more. Suddenly I spot a new ICO – Initial Coin Offering – for a new bank. From Wikipedia: “An initial coin offering (ICO) is a means of crowdfunding the release of a new cryptocurrency. Generally, tokens for the new cryptocurrency are…
A brand new Clearing Bank for Britain
I recently hosted Nick Ogden, the founder of WorldPay and serial entrepreneur, at our Nordic Finance Innovation meetings in Stockholm and Oslo. Nick is now launching the first new UK clearing bank for over 250 years called ClearBank. I’d heard a few rumblings about ClearBank, but hadn’t really go the message until I saw him…
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