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Things worth reading: 17th July 2017

Things we’re reading today include … Britons face lifetime of debt as Bank of England warns over 35 year mortgages Former Shawbrook finance chief Wood to aid Co-op Bank rescue plan ECB eyes review of Deutsche Bank shareholders: source Westerman in the frame to be next chief executive at HSBC …

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Things worth reading: 12th July 2017

Things we’re reading today include … Exclusive: Ant Financial refiles for U.S. approval of MoneyGram deal – sources Lloyds Bank to abolish charges for unplanned overdrafts FCA: More taking out drawdown pensions without advice The end of cash? Cards now account for more than half of retail purchases, BRC finds …

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What was hot at Money2020 Europe?

Last week was Money 2020 Europe week.  This year a gathering of 6,000 odd people – and I mean ODD – assembled in Copenhagen to talk all things FinTech and stuff.  That’s 50 percent up on last year’s first outing and, due to the numbers and a few brown envelopes …

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The Top 1000 banks in the world

I’ve written a column for The Banker magazine for the last 15 years and, during that time, have collected their special July edition each year.  Every July The Banker publishes their analysis of the Top 1000 banks in the world.  In the 1990s, the top 10 were mainly Japanese; in the 2000s, …

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Things worth reading: 30th June 2017

Things we’re reading today include … 20 years on FCA links up with US regulators in car loans probe UK remains Europe’s top destination for foreign investment in financial services Haldane: UK pay has flatlined Bitcoin accepted at New York pre-school The complicated failure of two Italian lenders Kenya launches …

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Things worth reading: 23rd June 2017

Things we’re reading today include … House Democrats challenge Deutsche Bank over review of Trump’s accounts Luxembourg’s politicians pin economic hopes on fintech drive U.S. regulators, lawmakers support Volcker rule revamp at hearing China’s ICBC says checks of loans by big acquirers are routine Biggest U.S. banks clear first hurdle …

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Things worth reading: 7th June 2017

Things we’re reading today include … Fat chance of delaying markets reform, EU watchdog tells City Santander buys struggling Spanish bank Popular for €1 Santander rescues rival Banco Popular from collapse HSBC faces fresh suit alleging forex manipulation RBS spends £1bn battling its own shareholders over rights issue RBS shareholders to …

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The future business model is clear

For many years, I’ve been using Michael Treacy’s The Discipline of Market Leaders to talk about the business model of banking.  The book claims that all companies are comprised of three major components: a manufacturer, a processor and a retailer.  The book claims that most companies are only good at one …

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