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After our Valentine Day shenanigans, it is interesting to think about the other side of love. The dark side. The fake love. The reason I mention this is that I keep reading about romance fraud, and wondering how people can be suckered into such scams. For example, there was a recent headline about a French... The post What happens when it’s love … not...

Things we’re reading today include … Argentina’s President Milei faces impeachment calls after promoting cryptocurrency | CNN High rise, quick crash: Why did $LIBRA cryptocurrency’s value go on a roller-coaster ride? – Firstpost London named Europe’s ‘unicorn capital’ for fintechs Labour’s non-dom tax raid forces Castle-owning fintech founder out of the UK HSBC to shed... The post Things worth reading: 17th February 2025 appeared...

This week’s main blog discussions include … Is BaaS dead? I see a lot of people writing that Banking-as-a-Service (BaaS) is dead. That saddens me a little, as I created the term twenty years ago – have I mentioned this before? – but I agree. It is now past its prime. It was replaced by open... The post The Finanser’s Week: 10th February – 16th...

It’s Valentine’s Day. A day full of love. A day that makes me think of the film Titanic, which tells the love story of Jack and Rose and the greatest ship disaster in history. But then it also raises a question: was the iceberg the issue? Just for Valentine’s Day, here is a different version... The post Did John Pierpont Morgan sink the Titanic?...

Things we’re reading today include: Love and Money: Surprising Insights into Modern Romance JP Morgan runs out of desk space after banning working from home IBM under fire as return-to-office order suspected of replacing human staff with AI How Is AI Transforming the FinTech Industry? UK: leading fintech companies by valuation 2025 | Statista Coinbase... The post Things worth reading: 14th February 2025 appeared...

Almost every day these days is an AI headline, but this video really struck me. It is showing the selfies we would have taken in historical times: Can you imagine? The reason it struck me is that you have to wonder today what is real online and what is not. The more our networked system... The post Is the world spinning too fast due...

Things we’re reading today include … ‘Highway robbery’: NYC comptroller accuses Musk of stealing $80m from city bank account | The Independent If your bank rips you off, the Consumer Financial Protection Bureau gets your money back. Elon Musk is killing it | The Independent The 5 biggest banking security threats – and how to... The post Things worth reading: 13th February 2025 appeared...

I shared a post the other day by Usman Sheikh, a serial investor based in Dubai. The post is asking the question whether AI can replace consultants although, to be more pointed, specifically McKinsey. How could that happen? McKinsey have the best and brightest minds in the world: they only hire graduates at the top of... The post Will AI replace McKinsey? appeared first on...

Every day there appears to be another update about how AI will change our world. The latest one in my inbox is a report from the Institute for Public Policy Research (IPPR), who warn that AI is likely to have a “seismic impact” on the economy and society, particularly in roles reliant on computer-based tasks. That’s almost all of... The post Will AI destroy humanity? appeared first on...

Things we’re reading today include … Bank outages: Committee demands answers from banks and building societies following Barclays IT failure – UK Parliament Swedish fintech giant Klarna signals major move into crypto ahead of April IPO Agentic AI and the future of fintech and banking automation I’m a Bank Insider: How Banks Serve the Ultra... The post Things worth reading: 11th February 2025 appeared...

I see a lot of people writing that Banking-as-a-Service (BaaS) is dead. That saddens me a little, as I created the term twenty years ago – have I mentioned this before? – but I agree. It is now past its prime. It was replaced by open banking. Then there was embedded finance and today it is... The post Is BaaS dead? appeared first on Chris...

This week’s main blog discussions include … Elon Musk now controls the American payments system I feel like a continual splurge of Musk is happening, ever since Donald Trump became President, but the latest is really interesting as Elon Musk is now in control of the Treasury department payments system that runs America. The challenges of... The post The Finanser’s Week: 3rd February – 9th...

Like many, I’m still working on the idea of authentication, verification and identification using immutable technologies or, more specifically, distributed ledger technologies (DLT). There are many firms active in this space, trying to create digital identity systems using DLT, but it is far more complicated than such a simple solution. The reason is that the... The post The challenges of dealing with digital identity...

Things we’re reading today include … Bitcoin to go bust in 10 years? Nobel-winning economist makes a startling claim What the Government won’t tell you about bank snooping plans What DORA Means for Fintech and Finserv Industries Mastercard and GenAI: unleashing the future of commerce in 2025 and beyond How SoFi Became a Digital Banking... The post Things worth reading: 7th February 2025 appeared...

There’s been a bunch of headlines in the last week of online banking failures whilst, at the same time, another group of headlines of bank branch closures because customers should use digital banking. Barclays hit by major IT outage on tax deadline day – BBC News Moment customers surge around Barclays’ cash machines for ‘free... The post If you have no access to your...

Things we’re reading today include … From fintech to space tech: Robinhood co-founder Baiju Bhatt is betting on space solar | TechCrunch Farage offers Trump tips to take on the banks – POLITICO Wall Street banks offload $5.5bn in debt linked to Elon Musk’s takeover of Twitter Lloyds hit with £1bn tax bill after legal... The post Things worth reading: 6th February 2025 appeared...

In an excellent article on LinkedIn, Priscilla Russo laments the state of Agentic AI from a payments point of view. Bearing in mind that 2025 is the year of Agentic AI – a world where AI agents do everything for you on your behalf – it is clear that we have a dichotomy between the open... The post The big issue: 2025 commerce is connected...

Things we’re reading today include … Elon Musk’s Portfolio and its Impact on Cryptocurrency Trading Bill Gates criticizes cryptocurrency: ‘High IQs fooled themselves’ US Congress to form cryptocurrency working group Cryptocurrency Prices Plummet Amid U.S. Regulatory Concerns Coinbase Pushes US to Pave Way for Bank-Crypto Partnerships Solaris secures €140m Series G funding, SBI Group becomes... The post Things worth reading: 5th February 2025 appeared...

A quantum financial system, or QFS for short Maybe it’s the way my feeds are set up, but every day seems like a headline about cryptocurrency and AI these days. Take my daily things worth reading, and here’s a few examples just from last Monday. On crypto: Trump orders crypto working group to draft new... The post What is the next big thing? appeared...

Things we’re reading today include … Lloyds, Halifax and Bank of Scotland down: Mobile app and online banking outages affect millions of customers Aussie bank blasted over plans to close branches and force customers to go online: ‘Devastating’ Millions of Nationwide customers to notice money missing from bank accounts from today Raiffeisen Bank shares tumble... The post Things worth reading: 4th February 2025 appeared...

I feel like a continual splurge of Musk is happening, ever since Donald Trump became President, but the latest is really interesting as Elon Musk is now in control of the Treasury department payments system that runs America. According to The Washington Post, longtime Treasury official David Lebryk is “expected to leave the agency soon”, despite... The post Elon Musk now controls the American payments...

Things we’re reading today include … Barclays hit by major IT outage on tax deadline day – BBC News Moment customers surge around Barclays’ cash machines for ‘free money’ Barclays says IT glitch that locked people out of their accounts has been resolved | UK News | Sky News Santander boss gives major update on... The post Things worth reading: 3rd February 2025 appeared...

This week’s main blog discussions include … Five key impacts of #Brexit five years on Five years ago, on 31 January 2020, the UK left the European Union. BBC Verify, the BBC’s fact checking service, just wrote a really interesting report on the impact. They cite analysis in five key areas: trade, immigration, travel, laws... The post The Finanser’s Week: 27th January – 2nd...

Five years ago, on 31 January 2020, the UK left the European Union. Not everyone is happy about this. The number of Britons saying the UK was right to vote to leave the EU has hit its lowest level since the referendum, ahead of the fifth anniversary of Brexit on Friday Right to vote to... The post Five key impacts of #Brexit five years...