The Day I Became a Miner

Much has been written about cryptocurrencies and Blockchain, the technology behind them. For the purpose of this blog, I will assume that the readers have educated themselves on the related terminolog...

Riding the Wave: Speed, Algos and Consolidation

A wave of consolidation has hit high-speed trading firms and brokers in the past few months, and many are blaming low volatility and weak trading volumes in the face of rising compliance and market da...

Are You Prepared for MiFID II Outreach and Repapering?

With the clock counting down to MiFID II compliance, impacted dealers and other financial institutions are steamrolling ahead to prepare. Regulatory change management leads within these firms face mul...

Financial Risk Management

Are APIs the new goldmine for banks?

The Post API World The future of banking is being completely altered by the Payment Services Directive 2 (PSD2) which comes into play in January 2018. PSD2 opens the floodgates to financial services...

Trends in Financial Services

Phone Scams For Everyone

In the past day or two I’ve received a few alarming voicemails claiming potential legal actions and even threatening that the police will come to arrest me. Some claimed to be from the IRS, others wer...

Information Security

Signs of hope on late payments?

Across multiple industries, the issue of late payment is often a cause for concern. In the retail trade in particular, headlines featuring struggling small businesses and lengthy delays are a regula

Financial Supply Chain

Dear Banks, You Suck and I Love You

Dear Banks, Thank you for your branches. For the long queues, the tasteless coffee and the free crackers while I have to wait for two weeks in your branch to open a bank account. Thank you for clearin...

Fintech innovation and startups

e-banking 3.0

Includes e-id service (confirming identity is an ancient bank service..), e-signing (for loans, other bank contracts, 3rd party contracts), e-invoicing (sending and receiving - private and corporate),...

Digital Banking Trends

Have banks solved their sales culture and shell account issue?

Well, the short answer is some are making deep organizational changes with their sales culture, and others are only getting started. Recently, I met with a number of banking customers for pre- and po...

Innovation in Financial Services

Digitising Financial Services: Five Ways to Get Started, One Way to Succeed

It’s easy to see why the onus is on financial service providers (FSPs) to digitally transform. Forty-six percent (1) of customers are now willing to use robo-advisers. Nearly 60 percent(2) of custome...

Digital Banking Trends

Executing on a digital vision: time to let your imagination run wild

With the financial services industry undergoing momentous change as it moves to the digital world, it is time for institutions to reimagine financial services. At SAP’s Financial Services Forum in Lon...

20 Harry Potter Characters you should hire for your Startup

It has been two magical decades since our favorite fandom hit the bookshelves. While my fellow Potterheads are celebrating this moment, I wanted to take a moment to appreciate this incredible mileston...

Whatever...