Stanley Epstein

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Associate

Citadel Advantage Group

Member since

09 Oct 2006

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Bio

Stanley is a member and co-founder of Citadel Advantage Group., an international consultancy to the financial services industry that provides specialist services and training in the areas of operations risk mitigation, payments, and liquidity & treasury systems. He operates as SET Training.

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Associate

Citadel Advantage Group

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Latest opinions

Are we in an economic bubble that is about to burst?

The seven deadly sins of corporate exuberance—and what they mean for banking and fintech Economic bubbles rarely announce themselves in real time. The late-1990s dot-com boom felt like the dawn of a new technological age—until the Nasdaq lost 78% of its value. The housing boom of the mid-2000s was framed as a democratisation of credit—until it bro...

6 hours

Precision Beats Bulk in Banking’s New Era

Why “getting bigger” no longer guarantees success — and how banks must adopt a hyper-targeted “precision toolbox” to thrive The Puzzle of Modern Banking The banking industry has seemingly enjoyed an enviable run. According to McKinsey & Company’s Global Banking Annual Review 2025, (McKinsey & Company) the global banking sector achieved ro...

13 November 2025 Innovation in Financial Services

The Last Days of the Cheque: How a Banking Icon Is Fading Into History

Once the backbone of global payments, the humble cheque is now a relic of a bygone era—kept alive only in niche markets and legacy systems as digital transactions reshape the financial world. The Enduring Symbol of an Era When I began my banking career almost 60 years ago, the payments world was simple. A transaction could be settled in cash, by w...

12 November 2025

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Latest comments

Sibos 2023: Can CBDC replace cash?

Will CBDCs replace cash? No!
Cash is anonymous, not dependent on technology or on regulations that limit currency choice.

21 Sep 2023 05:10 Read comment

Banks of the future must maintain human touch

The human touch is vital. However what we have done these past three decades, is that we have surrendered much of potential human ability to technology. The humans left in banking today have been trapped in little isolated pockets, where suposedly they are experts. Compared to thirty years ago these "experts" are no experts at all. They don't really understand the processes, products and practices that they supposedly are experts in.

If this is the type of human touch we are spaking about I am not so sure I want it. Just remember "Little Britian" and "Computer Says No".

22 Mar 2019 14:56 Read comment

Most banks will be made irrelevant by 2030 - Gartner

Really? I think not. Too much is placed on "technology", and well lets face it the tech being applied to banking is simply wooden. One or two real innovators out thre will hit the jackpot and that yet unknown innovation may change it all. 2030? Much the same as 2018.

01 Nov 2018 08:52 Read comment

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