I’ve been talking with many friends about genetic versus environmental development. Back in the day, this was a big discussion in my Sociology classes. How much of your personality is genetic versus environmentally developed? Is it nature or nurture? This is a question raised regularly by psychologists and researches and, as a father of twin……

Things we’re reading today include … Bank of England admits inflation bungle European life insurers’ systemic risk ‘non-trivial’ European banks take a fresh crack at Wall Street Fintech Adviser Titan Hit With Second SEC Penalty Over “Misleading” 2,700% Crypto Return Claims Lloyds to train all 67,000 staff in AI as banks go digital Fintechs should……

Many believe the big themes of Davos last week were around Donald Trump, his ambitions to take over Greenland and Canada, and Mark Carney’s speech. Stop “living within a lie”, Mark Carney #Davos They were the headline news but, underneath those headlines, the main theme of Davos was AI. AI featured in almost every session……

Things we’re reading today include … Why women will shape the next era of finance Major UK bank fined for breaching Russian sanctions Why Muslims worldwide are being ‘debanked’ Europe risks falling further behind, banking group warns Fintech in 2026: Why responsible AI, regulatory clarity and scale matter more than ever Ripple Secures Strategic Saudi……

I just watched The Life of Chuck based upon a story by Stephen King (strongly recommended). Throughout the film, it constantly references Carl Sagan’s Cosmic Calendar. The Cosmic Calendar compresses the 13.8-billion-year history of the universe into a single calendar year, where January 1 is the Big Bang and December 31 is the present*. At……

Many have argued for years that branches are dead. Many in the fintech world believe that people don’t need branches. Some think that the pandemic proved that customers can bank just fine without them and that many now prefer it. Wrong. A bit like cash, the pandemic forced a change of behaviour. Less cash was……

I just got a fascinating document sent over from the White House. Bearing in mind, the White House is the American civil service and not directly communicating Donald Trump’s opinions, thank goodness, their reports are often really insightful. This one really hooked me as it is all about AI and the Great Divergence. The Great……

Things we’re reading today include … Cryptocurrency money laundering reached $82 billion in 2025, Chainalysis says Revolut launches fully licensed digital bank in Mexico Tether will become ‘gold central bank’ in post-dollar world, CEO Ardoino says Can Wells Fargo make it in investment banking? Deutsche Bank sees gold reaching $6 000 per ounce in 2026……

Everyone has been hailing Mark Carney’s speech at Davos as one of the GOAT speeches of the 21st century. It forced me to take out 15 minutes to listen to it, and yes, it is a great speech. Well worth the time. Mark Carney is Prime Minister of Canada, and the former Governor of the……

Everyone has been hailing Mark Carney’s speech at Davos as one of the GOAT speeches of the 21st century. It forced me to take out 15 minutes to listen to it, and yes, it is a great speech. Well worth the time. Mark Carney is Prime Minister of Canada, and the former Governor of the……