One of the readers of the Finanser saw my write-up on asset and wealth management, and asked if I could talk about what’s happening in investment banking. Answer: yes, I can. It’s more difficult to see the Fintech stars and unicorns in the investment space however, as it’s more opaque having been disrupted by technology…
What happens when the cost of payments reaches zero, the speed of payments is instant, and everyone globally can make and take a payment, what happens then? I just had an interesting chat with someone and realised two things: one is that we’re talking about moving away from batch to real-time, and that’s where the…
Yesterday I said something better change, and it is. This blog has covered extensively how things are changing in payments, retail and commercial banking, but I haven’t covered investment banking or asset management as much. So here's an insight sourced from yesterday's Financial Times. According to a poll of 400 senior executives by State Street, the custodian…
I often sit and think about the claim from my bitcoin friends that they’ve invented money without government. I’ve blogged about it quite often too. The reason it is of so much interest is that if the blockchain and bitcoin can circumvent the financial system and the banks, then we really are in transformational times. …
As the internet reinvents commerce on this planet, it’s interesting to see the two things that enter the innovation mix: simplicity combined with connectivity. When you think about the Uber, Airbnb, Facebook, Google, Amazon and more, you realise that they have all simplified some complex things from sharing to finding. Google’s home page has stayed…
One of my good connections via social media is Huy Nguyen Trieu. Huy writes a regular blog at Disruptive Finance, as well as being a Managing Director for Macro Structuring at Citi. He posted something in the last week that I felt was worth re-posting here as a guest blog. Read and weep. If you can’t…
Building on the discussion of data being key to disruption, I often use the phrase ‘digital core’ in this context. Therefore, I was intrigued when someone asked for a definition of a ‘digital core’ and one of the replies was there isn’t a core anymore. I wondered what they meant and, in explanation, they referred to…
I’ve written a lot about incumbents versus startups lately and noted with interest that Jamie Dimon’s annual letter to JPMorgan shareholders picks up on this theme (not as a direct result I’m sure?). He talks about “hundreds of startups with a lot of brains and money working on various alternatives to traditional banking” and that “the…
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