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What stunning news.... though not surprising.... The most useful information  is The most eco-friendly cryptocurrency available is Stellar, with just 0.0003 kWh per transaction. Stellar also costs less than a cent per transaction........Is there a comparison chart that shows kWh per transaction for each major coin type - this should shame the polluters..... and users.....    PS what user/corporate is ultimately paying cash for the power needed for these transactions?????   We know that drowning Bangladeshi/Pakistanis and Ethiopian families dying from drought driven starvation are paying the human cost!!! )     This is a worthy target for the Woke Generation to get their teeth into! 

Well in the UK Government are reducing the amount of regulation banks are to be subject to..... whilst in the US  the Regulators want banks to exercise increased caution?  

Well, this may say a lot about the valuations thrown around at the heights of a bull market........ as well as the underlying value of the true 'assets' of a crypto exchange....  what if we built a railroad and there were no trains? 

Hmmm the younger digitally savvy generation use their phone for pretty much everything..... Many will also use their Garmin or samsung watches,  or indeed their Apple watch to make payments.... This does sound like bit of a dated initiative from Visa and ADIB....  the time of wearables passed a while ago, but always nice to see vanity projects being launched to generate work in fintechs and to prompt conversation. 

np :-)

https://www.ecb.europa.eu/press/pr/date/2022/html

/ecb.pr221220~62a7c988ef.en.html

https://www.ecb.europa.eu/press/pr/date/2022/html/ecb.pr221220~62a7c988ef.en.html

Go Cash Go !!!!!  In the A10 Warthog, physical cables and rods existed to give the pilot a chance of getting home if a catastrophic impact or technical failure impacted digital or hydraulic systems.... Cash provides that back-up for commerce as well as providing alternatives for both Legal and Criminal activity....  I believe large category notes should be removed from circulation to prevent the latter, but the former need access to 20/50 and max 100 Euro/Dollar/Pound denominated notes... Who uses EUR500 or USD 1000 notes apart from MEPs and Criminals? 

In addition to providing Sustainability Information, Klarna has another 'Look over here' approach -  taken from Finextra after the disasterous Q3 Losses announcement -  Klarna has moved to diversify its business from one which relies solely on credit to the creation of new shopping channels linking customers to merchants. As a result, the firm's marketing revenue is its fastest growing earner, rising 163% YoY by creating over 500m leads for Klarna’s 450,000+ global retail partners.   Does this mean that the credit model is fundamentally broken and Klarna will become another PSP/Gateway co? 

So Klarna are now becoming a marketing and advertising company.... I think this is an admission that the Pay-in-X model is not working?