Jamie Crawley - Community Author: Finextra Research

Bitcoin halving: What does this mean and what will its effect be?

Bitcoin’s 2020 halving took place today. This happens around once every four years and is of much interest to cryptocurrency investors due to the profound effect halving has had on the cryptocurrency in previous occurrences. Halving refers to the number of coins that miners receive for adding new transactions to the blockchain being cut in half. Th...

12 May 2020 /crypto

What are the cybersecurity risks in an interconnected world?

Jamie Crawley

What are the cybersecurity risks in an interconnected world?

Financial services companies have historically been amongst the best performing when it comes to matters of cybersecurity, given the importance attached to protecting and managing clients’ sensitive data. However, developments and innovations in the industry mean cyber challenges are consistently changing and financial institutions must stay ahead...

07 May 2020 /security

Jamie Crawley

The pros and cons of CBDCs

Multiple central banks are looking closely at developing digital currencies to address the threat posed by projects such as Libra. There are many benefits to be found in central bank digital currencies (CBDCs), likely to be magnified amidst the Coronavirus pandemic as more and more transactions are carried out electronically and cash usage continu...

27 April 2020 /crypto

Australian neobanks face a sterner challenger than their UK equivalents did

Jamie Crawley

Australian neobanks face a sterner challenger than their UK equivalents did

A number of neobanks in Australia, such as Volt and 86 400, are trying to make dents in an extremely consolidated banking market dominated by the four major incumbents – CommBank, ANZ, Westpac and NAB. Comparisons may be drawn between this digital banking shakeup and that which occurred in the UK in 2014-15, but Australia’s incumbents have set a h...

06 April 2020 /retail

Cybersecurity: The never-ending challenge

Jamie Crawley

Cybersecurity: The never-ending challenge

As the financial world changes, becoming more interconnected and inclusive, the ever-moving target of cybersecurity will continue to evolve. Mitigation will therefore demand a collaborative approach from financial services companies across the industry. While financial services is generally among the best performing industries in cyber management, ...

23 March 2020 /security

Global downturn will be a test for the robo-advice model

Jamie Crawley

Global downturn will be a test for the robo-advice model

With experts fearful of the Coronavirus outbreak setting the wheels in motion to a global recession, many customers of robo-advisers, unused to prolonged periods of volatility in markets, could be in for a shock and will look for appropriate advice and guidance. Last weekend, I logged on to my Nutmeg portfolio for the first time in a fortnight or ...

16 March 2020 /wealth

Jamie Crawley

Welcome to the era of stablecoins

Thanks in no small part to Facebook’s controversial Libra project, stablecoins have attained a great deal of interest in recent months and many questions have been thrown up about their place in the global financial system. How many stablecoins might exist with in a few years? What are the benefits and risks to banks and central banks? What techni...

05 March 2020 /crypto

SCA - no more kicking the can down the road

Jamie Crawley

SCA - no more kicking the can down the road

With the EBA announcing a revised deadline for migration to Strong Customer Authentication (SCA) of December 31st 2020, how have industry players reacted and what now needs to happen make the transition a success? JPMorgan has welcomed the EBA’s announcement of the revised deadline for SCA, both for its clarity and its decision to propose harmonis...

18 October 2019 /regulation

Long reads