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Jeremy Light

The Battleground for the Consumer Experience - Opened up by Open Banking

On 25 March 2018, a Quantas 787-9 Dreamliner touched down at Heathrow airport to inaugurate a new non-stop service between Australia and London. It cut a full three hours off the normal 20 hour journe...

26 Mar 2018
Disruption in Retail Banking
Jeremy Light

Bitcoin at 50,000 USD?

Bitcoin’s price averaged $272 in 2015, $567 in 2016 and $4,001 in 2017. It peaked at just below $20,0000 in mid-December 2017. So far in 2018, as of mid-March, the average is just over $11,000. Bitcoi...

19 Mar 2018
Innovation in Financial Services
Jeremy Light

Powering Up a Crypto-Cash Society with Central Bank Money

Money without Innovation Fiat money takes three forms - electronic deposits at commercial banks, banknotes (and coins) and central bank (CB) reserves. None of these are great starting points for innov...

12 Mar 2018
Innovation in Financial Services
Jeremy Light

Network Effects - the Forces Driving Ongoing Payment Trends

My concluding blog on trends focuses on the ongoing payment trends, those that are already strongly established and which will continue in 2018. The momentum towards a “less-cash” society increases i...

05 Mar 2018
Trends in Financial Services
Jeremy Light

Payment Trends for 2018 Part 2 - Growing Trends

My blog last week covered New Payment Trends that I expect to become established this year. This week I focus on Growing Payment trends, those that are already evident and likely to strengthen in 2018...

26 Feb 2018
Trends in Financial Services
Jeremy Light

New Payment Trends for 2018

With 2018 well underway, I have had time to reflect on what to expect in the ever-changing world of payments this year. My reflections are split into New Trends, Growing Trends and Ongoing Trends, wit...

19 Feb 2018
Digital Banking Trends
Jeremy Light

Valuing Bitcoin and Cryptocurrencies

A key measure of the size of the Bitcoin network is the hash rate*, the combined computing power of the miners operating the network. If the value of a network is dependent on its size, we should expe...

08 Jan 2018
Innovation in Financial Services

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