Are ICOs a bubble that is ready to pop? And if so, what comes next? Has it been a way for funding moon-shot ideas by avoiding regulations? Or does it have a much bigger potential? E.g., raising millions for a product that might never be built is a great but…

We had the Wild West, where the cliche of the cowboy movies was the nearest sheriff is 90 miles away, and so you had to pack a gun and defend yourself. Steven Pinker This article first appeared on: https://www.ccn.com/cryptocurrencies-is-it-really-a-land-without-sheriffs/ Regulators warn to be cautious , friends preach them as the next…

After publishing my first post about PSD2 explained in 3 gifs, I received a lot of comments if I could explain how actually the Open Banking API will work in context of PSD2. Below I have outlined the three most important things. How API works API is a web based tool to easily…

Revised Payment Service Directive has been a hot topic among Fintech startups and banks. In particular there has been a lot of discussion around banks needing to open their APIs. But what does that mean? Will anybody be able to use bank’s infrastructure and or will they become a platform…

I recently read a great article by Clive Sirkin, the CMO at Kimberly-Clark. It states that future ad agencies should be like Uber — selling ideas, but outsourcing the execution. …

all you need is you, your computer and wi-fi Some time ago I read the book from 37Signals, called Remote. The book is about how both employers and employees can work together, remotely, from any desk, in any space, in any place, anytime, anywhere. I read it because I just…