This question popped into my head as I’ve asked it before. You need to stand for something or you fall down, But what is your point? Do you ever wonder what your purpose is? I was intrigued by Billie Eilish and Lewis Hamilton presenting at a recent awards ceremony and making comments: “Love you all, but there’s…
I really hate subscription services online. There are many that automatically renew without me knowing and, even worse, there are those that you sign up to without even knowing. A good example is one I discovered on my bank account the other day. Apparently I had signed up for a service that costs £3:00 a…
As usual, clicking over LinkedIn, I got a chart that made me sit back and smile a bit. What chart? This one: Source: Brice Groche, LinkedIn The chart outlines the revenue models of Europe’s digital finance firms, and what it made me realise is the big difference in strategies of challenger banks and start-ups. When…
Half a century ago, people thought that the average person wouldn’t remember a six-digit PIN*. A quarter century later, we got usernames and passwords by the bucketload. Now, we have so many loads of buckets, each of which are meant to have their own individual access codes, none of which we can remember, that the…
I’ve talked for some time about bot-to-bot payments in the Agentic AI world. The idea is that you won’t have to think as money thinks for you, and payments will transfer automatically without intervention. Moving this forward is a recent announcement from Google, which has developed the Agent Payments Protocol (AP2), an open framework that enables agents…
Interestingly, as AI kills search engines and browsers, it also appears to be destroying the market for consultants and research firms. That’s not just a proposition but a reality, if you look at the share price performance of consulting and research firms this year. Whilst the likes of Accenture and Cap Gemini have dropped by…
I’ve written for years about “the end of …” somethings a lot. The death of cards; the end of cash; the branchless future; the murder of the keyboard; and more … and they’ve all come true. We are cashless, cardless and branchless today, although I still love my keyboard. Sure, I can record voice memos…
I find it so interesting the debate about CBDCs (Central Bank Digital Currencies), stablecoins (a digital currency backed by real world assets) and cryptocurrencies (a digital currency backed by the decentralised network of everyone). This is the biggest battleground for the future of how we trade and are paid, and the losers appear to be…
