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 […]

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 […]

Is the Insurance Industry about to change radically?

While Insurance is a massive industry, for example net premiums for life and P&C insurance the US are estimated worth around $1,000,000,000,000 (yes that is twelve zeros) I believe it has just been barely affected by the massive software driven changes that other industries are experiencing. At core, the Insurance industry is impacted by the […]

Innovation in the asset management industry

While other sectors attract more mainstream press attention (payment, retail banking), the asset management industry is also deeply affected by “software eating the world”. Asset Class CompetitionTraditional asset management companies are increasingly facing competition on both sides of the performance scale. On the “Beta” end of the scale, ETFs are steadily becoming one of the […]

Disrupting Insurance

The Other Financial Services Opportunity In the last years, most of the focus on innovation in financial services has been, it seems, on banking (investing and lending) and payment. Comparatively, fewer startups have been addressing the insurance space. This is about to change and the opportunity space is amazing. To give a few numbers, non-life […]

Point of Magic

The battle for the POS is the battle for digitization of physical retail The POS market has recently seen interesting transactions and announcements: First Data acquired Clover end of 2013 and launched its Clover Point of Sales in 2014. First Data Quietly Buys Payments Startup Clover; Launches Point Of Sale Platform For Merchants Amazon acquired GoPago’s […]