Is a European consumer credit model coming to the US via ecommerce?

If you are a retail customer in most European countries, you are quite familiar with this sight: Selling credit or selling televisions? If you are from the US or the UK, chances are this will not be a recognizable image. There is a fundamental difference in the way retail consumer credit is built and distributed […]

2016 and beyond in fintech: a few thoughts

Looking at 2016 with the experience of the past 7 years in financial services. it will be a pivotal year for financial services. In many ways we are coming to the end of a phase, that started with the world‘s the most important financial crisis since 1929. The FED hike is upon us, after having […]

Discussing Machine Learning and Financial Services

It feels like fear around artificial intelligence is slightly receding and that the discussion has evolved toward what it can actually do now and its application in the current crop of technology companies. I, for one, welcome this new step in Machiavellianism from our machine overlords, well played, well played…. Robot pretending not to be […]

Musings on Full Stack Financial Services startups

(This post has been long in the making). One of the posts that sparked my interest in the last months is a post by Chris Dixon, Full Stacked Startups. In it, Chris highlights several startups such as Nest, Uber, Tesla, Warby Parker as companies that have gone after the market as full-fledged businesses instead stacking […]

Smart Commerce will only succeed with Smart Banking

Bill Ready had a great post at PandoDaily on the growing importance of smart mobile driven commerce. In my view this is one side of the equation of the future of commerce, the other side being the creation of smart banking services. Using Bill’s example: I book a flight to San Francisco, my financial service app warns me that […]

World Usability Day 2012 – Financial Services

I had the opportunity to present in Geneva for World Usability Day. Here is the Prezi of my talk, unfortunately not recorded. This is a summary of some of my previous posts in Usability in online banking and why using Accounting design as the framework for usability is wrong.   World Usability Day: Finance 2.0 […]

Square: from Dongle to Domination

I had the opportunity to write an opinion/profile of Square for the SIBOS edition of Informilo: Here is the introduction and link to the full piece: “In 2008, glass blower James McKelvey was unable to complete a $2,ooo sale of his glassware because a customer could only pay by credit card. Frustrated, he discussed this […]

Underbanked? Not without financial services!

Who are the underbanked in the US? If we refer to Javelin Strategy latest study: “Comprising an estimated 35 million US adults (or 15% of the US population), underbanked are typically young, ethnically diverse, and more likely to use the “computer in their pocket” (i.e. their mobile phones) to conduct their banking.” But does that […]

3615, L’arrivée d’internet dans le monde de la finance – [French]

Sean Park and myself had the chance to be invited to the swiss radio show 36 15: http://www.facebook.com/3615emission to speak Finance innovation and startups.     While recorded in the English speaking swiss radio, it is in French only (well frenglish …)

Accounting and Banking: design issues

I am no designer, nor a marketing specialist but as a bank customer (with different banking relationships) I can tell you I think my banking experience is pretty bad. Because I switched to a more corporate finance job, I finally realised what could be the root cause of this issue : accounting. Accounting to be […]

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