Latest opinions that Jeremy Light has shared on Finextra

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Jeremy Light

Co-founder

Fourdotzero

Member since

24 Jun 2009

Location

London

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Jeremy's opinions

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 journey. In the commoditised world of air travel, that is a game-changer. Differentiating from the competition has been a challenge for the airline industry...

26 March 2018 /payments Disruption in Retail Banking

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. Bitcoin’s price has risen exponentially, as has interest in it from regulators, speculators, developers, innovators, economists, journalists, bloggers and ...

19 March 2018 /payments Innovation in Financial Services

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 innovation. Electronic payments (cards, direct debits, credit transfers etc), exchanges of deposits between and within commercial banks, are increasingly d...

12 March 2018 /payments Innovation in Financial Services

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 in developed economies, including the US, Australia and Europe, primarily driven by adoption of contactless bank cards, causing reduced cash usage and ...

05 March 2018 /payments /retail Trends in Financial Services

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. Growing Trends Propositions using PSD2-compliant APIs will appear gradually. Expect bank and Fintech applications such as account aggregation and p...

26 February 2018 /payments Trends in Financial Services

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, with this blog focusing on the New Trends. These are the trends that may be familiar to some, but are becoming established and are likely to become evide...

19 February 2018 /payments Digital Banking Trends

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 expect a correlation between Bitcoin's market capitalisation (the total number of bitcoins in existence x the price) and its hash rate, and for this to h...

08 January 2018 /payments Innovation in Financial Services