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Stripe strikes serious success in Sessions

You may not have spotted it this week, but there has been a number of major strategic changes and moves by fintech leader Stripe. I’ve followed Stripe since their founding in 2010, and use them as a poster child of change in finance and technology, as demonstrated by their fast cycle growth from a company…

WTF … who the finanser are you?

The bank that wants to verify my identity but cannot accept the information … OMG, what’s going on? Under new UK government rules, there’s been a crackdown on money laundering and customer identity in the banking system. The response of the banks has been archaic to say the least. By way of example I blogged…

Why Facebook [Meta] is the enemy

Continuing my debate about data usage and data abuse, I listened to a fascinating discussion from the BBC about whether Mark Zuckerberg is a good or bad billionaire. You can listen to the podcast if interested, but a few items came up such as the release of customer data to Cambridge Analytica a few years…

Selling customer data – good or bad idea?

Be careful with data Many years ago a few banks debated the idea of selling customer data to get a payback. It was the wrong decision – if you sell customer data, it should the customer who gets the payback, not the bank – and they failed. The two specific examples I remember are Barclays…

What if I am the token?

Just been having a few meetings about the future of payments. Funnily enough, that sounds like the theme of my new book Intelligent Money. The message? Money is embedded, invisible and intelligent. It is ubiquitous, everywhere, anywhere. It is just part of the fabric of the world we live in. But then I thought further, talking…

Has the G20 agreed to launch a global CBDC?

The G20’s central banks announce a global alliance for digital currencies It’s been bubbling away for a while but, as central banks are launching CBDCs (Central Bank Digital Currency) all over the world, there is now a G20 agreement to create a global digital currency. Initiated by Christine Lagarde at the European Central Bank (ECB),…

Caught between the devil and the deep blue sea

I’ve just had several incidents with traditional banks digitally that made me realise they really are faced with big issues. You may have noticed this in my recent blogging, but here are three specific insights that illustrated the point. The first is the fact that I keep having to open the bank’s app to find…

BaaS is nothing new … it started over thirty years ago

Way back in the 1990s, we all talked about object-oriented architectures and modular computing. In the 2000s, I called it Banking-as-a-Service, BaaS, and started presenting the idea around the world. The difference between the 1990s and 2000s was cloud and mobile smartphones. This change was the tipping point from fragmented systems to open platforms, and…

You’ve been Goxed again!

Way back in 2012, I invested £1,000 in bitcoins on Mt.Gox, the Japanese-based exchange that was the most popular platform at that time for trading in said currency. Then they got hacked and went bankrupt in 2014. You may remember but, just in case: Launched in 2010, it was handling over 70% of all bitcoin…

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