flwnet

For years, one of fintech’s favourite hobbies has been complaining about regulation. Every new rule is another obstacle. Another compliance cost. Another reason why innovation was supposedly impossible. Startups would proudly describe themselves as moving fast and breaking things, while regulators were portrayed as the people standing in the way of progress. Then something interesting……

For years, one of fintech’s favourite hobbies has been complaining about regulation. Every new rule is another obstacle. Another compliance cost. Another reason why innovation was supposedly impossible. Startups would proudly describe themselves as moving fast and breaking things, while regulators were portrayed as the people standing in the way of progress. Then something interesting……

I’ve been meaning to write this for a while. I’ve finally got there, although my friend Dave Birch will probably roll his eyes at the density of buzzwords. Still, both ideas – AI-native banking and quantum computing – are no longer fringe. They sit squarely at the centre of fintech’s next wave of disruption. The……

Things we’re reading today include … Farage trying to block ‘Britcoin’ plans that could be costly for billionaire donor Farage is still shilling for his crypto-billionaire benefator Brexit cost 6% of UK economy, Bank of England company data suggests Coinbase’s UK CEO on Crypto’s Next Growth Wave Microsoft discovers new lightweight backdoor that steals cryptocurrency……

I was fascinated to pick up on an article in The Financial Times last week about LIBOR, the London Interbank Offered Rate. It got a bad vibe because the world discovered bankers were rigging the system but, ever since, we have been looking for a replacement. What is it? LIBOR is about a number. A single number……

This week’s main blog discussions include … Why are people scared of AI? Almost every innovation is met by people who believe it will destroy our ability to earn a living. The Luddites feared mechanisation. Clerks feared computers. Bank managers feared the internet. Taxi drivers feared ride-sharing apps. Retailers feared ecommerce. And now everyone fears……

Things we’re reading today include … Elon Musk predicts mass and energy will replace dollar: ‘Conventional money will no longer be relevant’ Meta weighs investing in Indian fintech Cred UK needs crypto special forces to stop Russia funding sabotage on British streets, expert warns UK banks asked to stress-test their systems against ‘plausible’ global recession……

I find it fascinating that one of the most interesting debates about the future of money in Britain is no longer being driven by the Bank of England, the Treasury or economists. Instead, it has become a political issue, largely thanks to Nigel Farage (the man who received £5 million from a crypto donor). What……

Things we’re reading today include … European FinTech funding projections for 2026 took a hit after a 55% YoY drop in large deals Bank of England loosens crypto rules after Nigel Farage leads backlash Sterling-denominated systemic stablecoins, a report from the Bank of England Banking Modernization at Scale: A Conversation with Patrick Wright, National Australia……

I see a story about Revolut every day, several times a day. As one of the most remarkable success stories in modern banking, it’s not surprising. In just a decade, it has grown from a prepaid travel card into a financial super app serving tens of millions of customers across dozens of countries and a……