While the internet has the potential to include everyone in the world, fintech can improve access to finance.

During the past year, the world has witnessed a sea-change in banks’ approach to both cloud and cryptocurrencies. 

Mass shift to digital financial services during Covid-19 has called into question the longevity of ATMs and branches.

Big banks appear to be confusing quantity with quality when it comes to tech headcount.

Banks must move from the mindset of being digitally available to digitally native if they want to keep fighting fit in the future.

Disruption in the financial services industry has reached a new level of maturity.

The move to digital should have driven down banks’ cost-to-income ratios, so why have they improved so little?

Brexit is creating existential angst for the City of London but it’s unlikely the City will be replaced as the global financial centre of choice. 

As central banks push ahead with digital currency experiments, financial institutions must stay abreast of developments or risk being left behind.

Banks need to rethink their purpose, embrace open banking and move to a process-structured business model.