An Open Letter to the Challenger Bank

Preface: Several tens of Challenger Banks are coming to change the Financial Services landscape in the UK. If you’re a banking consumer that is not in our oh-so-controversial Financial Services ind

This journey ends with a brief goodbye...but not for long

There are times and dates in your life when you look back and think – yes, that was when my life did a pivot. When you feel your world turn and find yourself facing a new and sometimes scary direction...

Digital Value Chain - Avoiding Law of Diminishing Returns

Modern society is consuming digital services like never before and if this trend continues we will be digitally overwhelmed & fatigued society very soon. There is an insatiable desire to digitize ...

Financial Services Regulation

Crowdfunding is overtaking VC and Angel funding levels

Back in 2010 the crowdfunding was a fledgling industry. As with much early stage growth, very little notable happened. Move forward five years and the contrast is startling. Namely the man on the stre...

Using wearables to monitor injury and recovery: what the insurance and healthcare industries can learn from sport

Injury or subpar performance are risk factors that the professional sports industry spends many millions of pounds/ dollars trying to mitigate. Professional sports teams are starting to use commercial...

Embracing innovation is all in the mindset

Banks and financial institutions continue to look at ways to square the circle when it comes to the digital delivery of financial services and enabling a true customer experience in the new digital wo...

Banks will be disrupted from below

“When people come together with a common purpose anything is possible. Entrepreneurs are becoming increasingly empowered and the businesses they’re building have already torn down and transformed enti...

Entrepreneurs, startups, the fireball and the engine

For anyone starting or joining a startup you need to understand something important. Entrepreneurs, like all creative people, are pure petrol*. Extracting, refining, and transporting petrol is complex...

Have the Banks already been disrupted?

“Banks were once the corner stone of the community but today their industry is being disrupted and disintermediated. Despite spending over £200 Billion on business transformation last year alone their...

What it means to be a fintech?

London is often considered to be the world’s ‘fintech hotspot’, with more than three quarters of London’s financial tech community claiming the city is a better incubator than other global tech hubs, ...

London FinTech sector: The rise and future of a billion pound industry

Ever since FinTech found life outside of Silicon Valley, it was only a matter of time before London established itself as the most desirable location for FinTech growth. The UK capital received $539 m...

SMEs top 3 priorities for the next government

SMEs are the backbone of the British economy. There are over 5 million of these ventures in the UK right now, and they are in great rip-roaring health. The banking big four handle the majority of SMEs...