Latest opinions that John Bertrand has shared on Finextra

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John Bertrand

Tec 8 Limited

Member since

03 Apr 2020

Location

London

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John's opinions

The emerging business case and BoE latest on Stablecoins

Stablecoins are crypto with a reserve of assets, one -to-one in value associated with the coins outstanding. Assets are of high-quality liquid value e.g. short-term US T-bills or commodities, such as gold. In September 2025 The Bank of England (BoE) reflected on its new wholesale Real Time Gross Settlement System (RT2) which includes ‘multi-money’....

05 September 2025 /payments /crypto Banking Strategy, Digital and Transformation

Stablecoin framework and finances in mimicking international cash

Hong Kong's Regulatory Framework This framework appears designed to balance innovation with regulatory oversight. The relatively streamlined KYC requirements for smaller transactions and allowance for market-rate fees suggest Hong Kong is positioning itself as a crypto-friendly jurisdiction. It does so by maintaining prudential safeguards through ...

11 August 2025 /regulation /crypto Banking Strategy, Digital and Transformation

Stablecoin plus Regulatory Oversight = Economic Growth

US has opened the door for Stablecoin innovation for Governments, Corporations and consumers by enacting on the GENIUS Act. This is a regulatory framework for stablecoins, backed by low-risk assets such as cash ($) and US T-Bills. This can drive value for: Government Economic Growth Stablecoins move instantly and with sub-second finality settlement...

28 July 2025 /regulation /crypto Banking Strategy, Digital and Transformation

Stablecoin – Cross Border Payment Driver?!

Overview People like real time (RTP: instant) payments. Economies where instant payments are used grow a minimum of 1 to 3% per annum. Instant payments in 2024 totalled $26 billion and expected to grow 5x by 2029. Growth Initiative Economic growth is down to the velocity of money. If someone has just been paid then they can then pay someone else ...

16 July 2025 /payments /crypto Banking Strategy, Digital and Transformation

Stablecoins to streamline Cross Border Payments

A stablecoin for currency is a token that can be used alongside the parent currency reflecting the market price at that instant. The historic volatility is known, and the price can be verified publicly. Earlier attempts to use crypto currencies fell afoul of Herstatt Risk . The fait currency had not left the sender’s bank before the amount transf...

29 June 2025 /payments /crypto The future of Payments in Europe

AI improves; Shakespeare approves yet internet is going seriously Toxic

AI allows anyone to have access to extensive data with analytic reviews within seconds. AI can identify anomalies, similarities and potential customers and criminals. The amount of information AI can present on anyone topic is extra-ordinary. A simple request can generate pages of data. The need is to ask the right question and becoming an editor ...

17 June 2025 /ai /regulation

Gambling prepares Resilient and Secure Cloud Technology for Banks

Banks, Payment Service Providers and regulators are indebted to the Gambling Industry for continuingly improving the resilience and security of Cloud Technology. For example, EU has DORA (Digital Operational Resilience Act) which requires a 4 hour for reporting a major incident but no later than 24 hours. If an online gaming service goes down 10 m...

15 June 2025 /security /regulation Banking Strategy, Digital and Transformation

Core Banking Systems evolution to cloud technology

Historical Core banking systems can trace their origins 50 years ago to independent, branch-specific solutions running on IBM computers using legacy languages like RPG, COBOL, and Assembler. The branch bank industry consolidated around two major players - Temenos' Globus and Finastra's Midas - each serving over 300 banks, often with many installat...

06 June 2025 /payments /cloud Banking Strategy, Digital and Transformation

Mobile Phone Theft: A 22-Day Insurance Ordeal

Analysis and Recommendations for Premium Bank Insurance Executive Summary This case study examines a mobile phone theft incident that occurred on April 22, 2025, in London, highlighting critical deficiencies in premium bank account mobile insurance services. While the police and telecom provider resolved their portions within minutes, the bank's i...

25 May 2025 /regulation /identity

Social Media Evolution, Philippines and Maria Ressa:

Maria Ressa, Nobel Prize winner, journalist and CEO Rappler (Philippines) In 2004 Internet social media was just getting going. Rappler received information that a Philippines President Election might have been rigged. The status quo’s reaction was to supress any activates around the topic. This was done by attacking the traditional media companie...

15 April 2025 /regulation /identity Transaction Fraud Systems and Analysis