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  • Equivalence + Proportionality + Subsidiarity = ?

    Having been back in the regulatory space again recently, it reminded me of a comment made by one European Commissioner when discussing MiFID back in the day. Over drinks, we were debating the wording and detail and he said: “the point is not to get all member states to comply … the point is to……

    May 21, 2025
  • The Finanser’s Week: 12th May – 18th May 2025

    This week’s main blog discussions include … The regulation versus innovation debate continues I just attended two events – one fintech and one regulatory. The contrast could not have been more different. The fintech event was buzzing with activity and youth; the regulatory event was very serious and full of suits. It reminded me of……

    May 21, 2025
  • Things worth reading: 19th May 2025

    Things we’re reading today include … Donald Trump’s US turmoil could make City great again Crypto-Related Abductions Are on the Rise Globally Cryptocurrency platform Coinbase warns of up to $400m hit from cyber attack Binance and Kraken Reportedly Fend Off Social Engineering Hack More than 13m customers still rely on bank branches US reportedly plans……

    May 21, 2025
  • The United States of Europe?

    Like the United States, Europe is trying to create a united region of cross-border trade that works. In America, this is 50 member states who work in a federated structure. My impression after the recent meeting on CRD VI (Capital Requirements Directive) is that Europe’s long-term aim is to achieve the same and, today, there……

    May 21, 2025
  • Things worth reading: 20th May 2025

    Things we’re reading today include … Revolut dumps Britain for France US Senate set to debate crypto bill as bitcoin nears all-time high How the Bank of England’s £900bn money-printing spree went horribly wrong Government to clamp down on ‘buy now pay later’ services Consumers to get more protection from ‘wild west’ of buy now,……

    May 21, 2025
  • What economy would machines create?

    We talk a lot about AI these days or, as some call it, A1 or Al (yes, Betty, when you call me, you can call me Al) and we have now moved on to other terms including Generative AI, Agentic AI and AGI which stands for Artificial General Intelligence. The thing is that these terms……

    May 21, 2025
  • As #Revolut and #N26 move into mobile, never say never

    It is notable that a few challenger neobanks are expanding footprint into telecoms, namely Revolut and N26. N26 joins Revolut in disrupting the telecommunications market The interesting thing here is that there have been many telco’s trying to move into banking – think Orange – and vice versa, but it rarely works. Orange checks out……

    May 21, 2025
  • As #Revolut and #N26 move into mobile, never say never

    It is notable that a few challenger neobanks are expanding footprint into telecoms, namely Revolut and N26. N26 joins Revolut in disrupting the telecommunications market The interesting thing here is that there have been many telco’s trying to move into banking – think Orange – and vice versa, but it rarely works. Orange checks out……

    May 21, 2025
  • As #Revolut and #N26 move into mobile, never say never

    It is notable that a few challenger neobanks are expanding footprint into telecoms, namely Revolut and N26. N26 joins Revolut in disrupting the telecommunications market The interesting thing here is that there have been many telco’s trying to move into banking – think Orange – and vice versa, but it rarely works. Orange checks out……

    May 21, 2025
  • As #Revolut and #N26 move into mobile, never say never

    It is notable that a few challenger neobanks are expanding footprint into telecoms, namely Revolut and N26. N26 joins Revolut in disrupting the telecommunications market The interesting thing here is that there have been many telco’s trying to move into banking – think Orange – and vice versa, but it rarely works. Orange checks out……

    May 21, 2025
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