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.

For most of my time working with banks, regulators were about clipping banks’ wings to suit the market. Today they are all about opening markets and enabling innovation.

When going through a digital transformation programme, talent is as important as technology in ensuring success.

How do you know that you are you? This existential question plagues humankind, as identification is not the same as identity. 

Revolutionary change is sometimes hard to understand – but we are on the cusp of a new reality.

Beyond retail banking and payments lies investment and commercial banking, the next frontier for fintechs looking to disrupt the status quo.

Remote sensing and artificial intelligence, combined with blockchain technology, could help more accurately measure and manage sustainability-related risks.

The regulatory burden has forced banks to stay local, while tech platforms with global ambitions have flourished. But is this about to change?

Banks need to rethink their positions in the whole customer supply and value chain.