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Overview
Over a cup of tea this morning, looking out into the garden, something struck me. Animals scale through evolution. Humans scale through institutions. Money is the operating system of institutions. It wasn’t a thought I’d expected to have over breakfast. Well, I was watching the birds in my garden.
News
Do we need a digital euro?
The European Central Bank is moving the digital euro from policy discussion towards implementation. Its latest Digital Euro Scheme Rulebook goes deep into how the system would work, covering everything from customer journeys and APIs to merchant acceptanc
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Report
Things worth reading: 27th August 2026
Things we're reading today include … US fintech investment tops $80bn in H1 2026, driven by mega-deals UK fintech funding drops to a decade low, with AI bucking the trend Fintech Funding Trends Research 'challenges assumption' that older generation is les
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Report
I2I not AI
Every week another bank announces another branch closure but they forget that trust is built eye-to-eye, not on AI. The justification is always the same. Customers have gone digital. Mobile banking has replaced the high street. Artificial intelligence can
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Things worth reading: 26th August 2026
Things we're reading today include: UK fintech investment plummets over past six months Tokenized deposits could affect bank liquidity, maturity transformation Responsible Fintech Institute debuts quantum pilot Four Years Ago, a Crypto Boss Went Missing.
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Report
The SWOT of AI in banking
I was sitting this morning and thinking about how fantastic Agentic AI, autonomous commerce and programmable money is. It is the focus of my next Pulp Finction book Birth of a Unicorn being released in December. The thing is that there is a wonderful prob
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