We are all worried about the threat of AI. AI will make humans redundant. AI will take all of our jobs. AI is an enemy. This always happens when technological innovation progresses humanity to a new level of thinking and working. In fact, every few years the world invents a new reason to panic about…
One of the more interesting articles I read over the weekend wasn’t about artificial intelligence, stablecoins or digital banks. It was about something far more uncomfortable: regret. Specifically, the financial regrets people reach in their sixties. At first glance, the list looks predictable: people wish they had saved more, invested earlier, worried less about spending on…
I see a story about Revolut every day, several times a day. As one of the most remarkable success stories in modern banking, it’s not surprising. In just a decade, it has grown from a prepaid travel card into a financial super app serving tens of millions of customers across dozens of countries and a…
I’ve been meaning to write this for a while. I’ve finally got there, although my friend Dave Birch will probably roll his eyes at the density of buzzwords. Still, both ideas – AI-native banking and quantum computing – are no longer fringe. They sit squarely at the centre of fintech’s next wave of disruption. The…
Almost every innovation is met by people who believe it will destroy our ability to earn a living. The Luddites feared mechanisation. Clerks feared computers. Bank managers feared the internet. Taxi drivers feared ride-sharing apps. Retailers feared ecommerce. And now everyone fears AI. The latest prediction is that artificial intelligence will eliminate millions of jobs,…
For years, Decentralised Finance (DeFi) has sold itself as the future of finance: transparent, decentralised, unstoppable. Now one of the most respected security figures in crypto is saying: get out whilst you still can. Manuel Aráoz, co-founder of OpenZeppelin, believes AI has fundamentally changed the security equation in decentralised finance but his latest warning is…
I’ve just launched another new book! After the successful launch of Intelligent Bank with Huawei a few weeks ago I had, in the meantime, developed another book: Diary of a Ponzi Scheme. The scheme is all about Clint who creates a “Token Fund”. Investing in digital currencies and real world asset tokens, he suckers friends, contacts and his network…
I am excited to share that I have been named a finalist for the Newsletter of the Year award by Thinkers360, thanks to my content! I would greatly appreciate the support of my content fans by taking a moment to vote for me. You can cast your vote here: https://www.thinkers360.com/tl/profiles/view/15475 By clicking it = a…
For years, the conversation around digital banks focused on whether they could survive. Today, the question is very different: what are they becoming? The latest results from Monzo, Revolut and Starling reveal something remarkable. These institutions are no longer niche challengers. They are profitable, growing rapidly, attracting millions of customers and, perhaps most importantly, becoming…
For years, fintech has sold a compelling story, particularly Wise. Their message? Banks are slow. Banks are expensive. Banks are burdened by legacy systems and bureaucracy. Technology can move money faster, cheaper and more transparently. Source: Wise But today, Wise faces a €500 million potential fine for breaching money laundering rules. What’s going on? Originally…
