How Big Banks Could Stand Up To The Big Tech Challenge Sometime around the tail-end of 2010 the banks started realising that something called a FinTech could be a threat to their business. …

I got my first iPod in 2002 — it was my first Apple product. I had had a Sony Walkman for a long time and had recently moved on to their MiniDisc player, but the iPod was so much better. It changed the way I listened to and bought music…

How Smaller Financial Institutions Should Engage With The Digital Revolution — We all know that digital change is transforming the banking industry. Today two main contenders lead this revolution. On one side we have the incumbent large banks — established players with deep pocket, lots of customers, huge legacy issues and out-dated ways of dealing with customers. On the other side…

Bank APIs Challenge or Opportunity? Banks across the globe are anxiously looking at the slow but seemingly inexorable progress of banking APIs. Regulation and market demands will require banks and other financial services firms to make it easy for another firm to gain access to their customers’ data and to…

The Shape of Things to Come — In the last few months of 2016 the mantra for big banks and FinTechs was that they are not each other’s enemies but that they should collaborate. …

In Praise of Collaboration Every large firm on the planet is thinking about using digital technology to update, upgrade and improve its business; even the Vatican is having a digital makeover: Digitavaticana is their latest effort, digitising their enormous vault of historical manuscripts. It is therefore unsurprising, as confirmed by…

I found a relaxing holiday away from Europe a great opportunity to think about the impact of the UK leaving the EU on the industry I’ve dedicated most of my career to. As a European based in London, the events leading to Brexit have left me amused and irritated in…