Fintech makes the world go around:

March, 2018

March 28, 2018  10:53 AM

The first thing a refugee asks when they arrive at a camp is not necessarily for water or food

KarlFl40 Profile: KarlFl40

I recently commissioned an article about how Turkish telcos are offering services to the millions of Syrian refugees that have been displaced to conflict at home. The

March 28, 2018  7:17 AM

Fintech professional’s tech predictions: 2 – Smart meter breaches

KarlFl40 Profile: KarlFl40

This is the second prediction from one of my contacts in the financial services IT sector. The previous blog post in this series predicted that tech firms will soon need government certificates if producing news content, to fight against fake news. Read part 1

March 27, 2018  11:31 AM

Customers hit by shrapnel in banking’s battle of the cost bases

KarlFl40 Profile: KarlFl40

I was at the Innovate Finance Global Summit last week and listened to fintech companies describing the current battle between banks being about who has the lowest cost of delivery. Anne Boden, CEO at

March 26, 2018  11:28 AM

Fintech professional’s tech predictions: 1 – Fake News

KarlFl40 Profile: KarlFl40

Tech firms will soon need government certificates if producing news content to fight against fake news. I was having a conversation with a good contact of mine. He is an IT/finetch  professional...

March 20, 2018  10:23 AM

Innovate Finance Global Summit gets fintech ready for adulthood

KarlFl40 Profile: KarlFl40

Fintech is an adolescent suddenly realising it can't use the excuse of being young for any inadequacies. Like with everyone when they reach adulthood the rules change. Remember when fintech was on the fringes of the IT and banking industries? Today it is an industry of its own which combines the...

March 14, 2018  11:15 AM

Is paying for a bus using cryptocurrency really that shocking?

KarlFl40 Profile: KarlFl40

Although it is not an area I specialise in I do from time to time write about cryptocurrency. Writing about the subject from a high level is doable for me, but when it gets into the detail of how it all works I quickly realise I have limited understanding. I basically know it’s a thing. So...

March 12, 2018  9:15 AM

Catwalk models be afraid there is a 98% chance a robot will take your jobs

KarlFl40 Profile: KarlFl40

Software robots are already replacing humans in the corporate world with robotic process automation software being used to carry out repetitive tasks. But modeling jobs will be taken next as human like robots hit the catwalks and photoshoots. Automation has gone beyond automating contact centres...

March 9, 2018  10:22 AM

I promised myself I would use the B–word a bit less in this blog

KarlFl40 Profile: KarlFl40

I hate the B-word and won’t mention it in this blog post. I have done too many blogs about the B-word recently. It was hard not to say the B-word when I wrote this. See if you can read it without thinking about the hideous portmanteau that is the B-word. Here we go: The world is being...

March 7, 2018  12:41 PM

The juxtaposition fuelling the challenger bank sector

KarlFl40 Profile: KarlFl40

When does a challenger bank just become the digital arm of a traditional bank? A contact of mine recently told me that if challenger banks want to success they pretty much have to hire people from the traditional banking sector and abide by the same rules. In the end they look pretty much like...

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