Post Tagged with: "30k Foot"

Banks Can Take from Telecoms’ Playbook To Compete as a Digital-Only Bank

by April 8, 2015 at 1:45 am 0 comments

Telecoms and Banks both operate behind regulatory barriers and both are being impacted by digital disruption. Telecoms went through this disruption before the Banks, so it is worth seeing if any strategies from Telecoms can be used by Banks. One strategy is what we see from two major European carriers.Read More

Wirearchy replaces hierarchy as Bankers leave to leverage networks & platforms

by April 1, 2015 at 12:44 am 0 comments

Spellchecker tells me that wirearchy is not a real word, but the phenomenon of individuals being empowered by networks and platforms is surely a real one. Peter Drucker, the greatest management thinker of all time, pointed out that the “firm” is a relatively recent innovation, designed to do the things thatRead More

2015 is when Fintech ventures spend big on consumer marketing to cross the chasm

by February 11, 2015 at 3:01 am 2 comments

This post was triggered by seeing the CEO of Motif on CNBC. Motifs were discussed as if they were a mainstream investing tool -which of course they are not – yet. The Motif PR team did good. This was a big step towards the mainstream. Then I recalled big adsRead More

The business model to replace fractional reserve banking will use Freemium

by February 4, 2015 at 7:17 am 1 comment

When you read the words “fractional reserve banking” you are often in for “the system is evil and Bitcoin is the revolution”. I promise you that this is not one of those posts. I do believe that the business model of fractional reserve banking will be replaced by something else, but it willRead More

We are in the 4th Fintech Era

by January 21, 2015 at 7:46 am 0 comments

This blog is usually about Emergent Fintech; in this post I looked at Traditional Fintech. However, that breakdown may be too simplistic. So here is my shortened history of Fintech divided into 4 Eras (call them Version numbers if you prefer). Each era builds on the previous era. It is like going to an ancient…Read more We are in the 4th Fintech Era