Ant Group regenerates its systems architecture around every three or four years to serve more than a billion customers. The sheer ability to deliver banking systems at such a scale is mind-blowing.
While banks are producing quite good results, mainly on the back of rising interest rates, why is this not being reflected in their market valuations?
While the Basel IV rules are focused on risk-weighted assets and how capital is allocated, already the industry is looking to the next iteration which will most likely seek to enable real-time monitoring and oversight.
To be truly financially included, one needs to have a general understanding of how the financial system works. But should the next generation be learning about the existing system – or the emerging alternative?
The millennial generation will bring innovative ideas and approaches to the senior leadership table. But will that be enough to transform banks?
Generative AI can be a useful tool to personalise and enhance the customer experience, but it can also be a weapon with which to gain unfair advantage in the markets.
It’s time to look beyond the doom and gloom headlines, as the companies that come out of this crisis will be stronger, better and more reliable.
The libertarian idea of decentralisation and using the power of the internet to create a better financial system may be gaining traction, but will it solve the crises inherent in economic cycles?
When a bank disappears from sight, can it still exist as a bank? The short answer is yes, in an invisible finance world.
A global network of mobile and internet platforms demands a global currency, but what will this future currency look like?
The take-away lesson from 2022 is that 2023 will offer great opportunities to expand services and grab market share, but only for those who are qualified.
Many are expecting to see consolidation in the fintech community as a result of the impending global recession and the easy money of recent years drying up.
Banks are investing huge sums in innovation; but the issue is not one of budgets — it's about ideas and execution.
What will be the currency of the future?
Criminals can fake almost anything online, which makes many fearful of being scammed. Can banks help embed trust in the digital world?
Keeping up with fast-moving fintech innovation has proven difficult for the world’s financial supervisors, which has led to turmoil for customers and investors.
As fintechs face a challenging time ahead, and some are already downsizing in preparation, incumbent banks are looking more attractive to tech talent.
Does the spectacular plummet of Terra (Luna) signal a flight to safety, the rise of central bank digital currencies and the end of bitcoin?
The rapid pace of change means such questions are not out of the realm of possibility.
Europe and the US are ramping up sanctions against Russia in response to its attack on Ukraine. But many are questioning whether removing some Russian banks from the Swift messaging network will make a difference.
