The Core of the Machine – Banking as a Utility

I have been a strong partisan of Banking as a Service and posted several times on the topic on this blog. Recently I have posted more on the shiny outer layers that could be / are created in such a stack but not so much of the core services under it. So it was with interest […]

Collaborative consumption and financial services

From The Social Cost of the Loss of Job Stability and Careers McKinsey had Yankelovich survey the attitudes of young people a decade ago, and even then, the results were pretty disturbing. Yankelovich projected that college graduates would average 11 jobs by the time they were 38 (!), yet found they were demanding of their employers, […]

Why we need brilliant banks

I have been a strong advocate of disruptive startups in Financial Services on this blog, dismissing some of the banks effort to try and move as quickly as more nimble competitors. But in all respect, for these innovative startups to launch their services, we need brilliant established banks and payments players. That is why I […]

Social Media relevancy is the new Credit Score

Techcrunch Disrupt just finished and I have to say it was a first class event (from the limited vision of the live feed at least). You can watch all the panels/interviews/announcement over at Techcrunch TV. One of the panel I was most interested in was the New Mobile Frontiers panel with Laura Chambers (PayPal), Holger Luedorf […]

Is P2P Lending the next frontier for covesting platforms?

An interesting tweet from @giyom is at the origin of this post: Will reintermediation happen in #P2PLending? i.e. investing in good performing lenders instead of borrowers.less than a minute ago via TweetieGuillaume Lebleugiyom If we look at what is happening in the investment management sector, perhaps we can extrapolate a possible evolution in P2P Lending. […]

Is it time to challenge Banks’ business model?

  BankSimple motto The crisis has had a profound impact on how people perceive banks. Because they are identified as the root of the crisis and because they have played an extremely negative role during it (mortgage foreclosure, collection, limited credit) there is a strong resentment against banks. This is especially true for retail banking […]

Introduction to Semantic Web’s “Wave Hits Financial Services”

Semantic Web has published a very interesting and detailed blog post on disruptive innovation in Finance listing the main activities of banks (by source of revenue) and the players that may challenge the incumbents. Here is a spreadsheet summarizing the bank’s activities listed as well as the disruptive innovations and key players. Link to the […]

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