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Within traditional Financial Services there is a common belief that regulation has fundamentally constrained the industry, but at the same time innovation through FinTech has blossomed. The Regulators...
Time to read: 5 minutes to gain a different perspective During a recent design session, I was met with silence and bewilderment when I recommended that the problem statement that we were facing may be...
The inexorable advance of new technologies; artificial intelligence (AI), machine learning (ML), big data and cloud computing are transforming financial institutions and markets. Machine learning in p...
Time to read: 5 minutes for a different prespective It is 2025, the mainstream proliferation of Artificial Intelligence (‘AI’), Internet of Things (‘IoT’), Robotics and Virtual Reality (‘VR’) is compl...
At the FCA’s recent asset management conference, the regulator revealed that it will be undertaking a ‘diagnostic’ review of a range of organisations on the topic of research and inducements. With mo...
Background AnaCredit (analytical credit dataset) is a three-stage project that was launched by the European Central Bank (ECB). In April 2014, ECB had announced the establishment of a central credit r...
Just last week I was part of launching DNB ID, an app making it possible to safely and securely identify people regardless of nationality, using a phone, passport and face. I work in DNB (Norway’s la...
Time to read: 5 minutes to gain a different prespective A decade after the financial crisis the banking landscape has altered dramatically. There are now signs of real recovery following a period of i...
Time to read: 5 minutes The rise of the algorithm | governed by the algorithm Last week the UK Regulators’ (FSA and PRA) jointly issued a significant individual penalty and organisational special requ...
Digital marketers are struggling to get value for money from their spend. Consumers, increasingly put off by ads that interfere with their online experience, are opting in ever larger numbers for ad ...
In 2017, U.S. online retail experienced the largest year to year growth since 2011, and ecommerce represented 13 percent of total retail sales. Clearly, consumers like shopping online, and that trend...
In wake of the Cambridge Analytica scandal, the real price of ‘free’ tech platforms has been exposed. Access often comes at the cost of handing over reams of your personal data. GDPR, data protection