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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 answer questions twenty-four hours a day. Why pay for buildings when software is cheaper? On paper,……

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 less confident with fintech Britain plans new Bank of England objective to support payments innovation……

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 acceptance, fraud, disputes, settlement, security and certification. What is emerging looks less like another CBDC experiment and more……

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 problem with artificial intelligence in banking: almost everyone agrees it is……

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 problem with artificial intelligence in banking: almost everyone agrees it is……

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 problem with artificial intelligence in banking: almost everyone agrees it is……

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 problem with artificial intelligence in banking: almost everyone agrees it is……

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 problem with artificial intelligence in banking: almost everyone agrees it is……

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 problem with artificial intelligence in banking: almost everyone agrees it is……

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 problem with artificial intelligence in banking: almost everyone agrees it is……