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Our attitudes to debt are changing, while technology eases our access to borrowing. What is the future of consumer credit in a low-friction world?
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“What year doth dosh disappear forever?” This was the precise question asked on Twitter by Sandy Lindsay MBE. Here’s my answer.
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When it comes to our banking interactions, there is good friction and there is bad friction. Eliminate the good friction and you risk customer loyalty.
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The Luddites smashed machines they could see that were taking their jobs. How will the new Luddites rage against invisible, ephemeral machines?
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Technology failures are almost always human failures when you examine the detail. Technology allows us to do more and shouldn’t take the blame.
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Cash usage is declining at an incredible rate. What will future payments look like? Frictionless, automatic, and based on implied consent.
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Twice this week, people have relayed to me incredible promises for the power of blockchain […]
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If bitcoin or one of the other cryptocurrencies can fulfil its promise, there will be no more minimum spend for digital transactions.
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The office of finance can be the home of truth, data and analysis in organisations. The place for best practice in all these things.
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Marketing and sales have overtaken finance in the collection and application of information inside organisations, becoming the new sources ot truth.
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