Financial inclusion tends to appear in corporate reporting under the heading of social responsibility. I understand why. But I think the framing does the idea…
Latest Posts
Digital Transformation Fails for Human Reasons, Not Technical Ones
I have watched a number of transformation programmes over the years — some I led, some I observed, some I inherited. The ones that failed…
Compliance Is Not a Cost Centre. It Is a Competitive Asset.
In many organisations, compliance occupies a strange position. It is respected in principle and resented in practice. It appears in budget discussions as a line…
Cross-Border Payments Are Being Rebuilt Around the Customer, Not the Corridor
For most of modern financial history, sending money across a border was designed backwards. The customer’s experience was whatever fell out of the infrastructure. Correspondent…
Trust Is the Only Product Financial Services Really Sells
Every few years, the financial industry finds a new thing to be excited about. Mobile first. Open banking. Real-time rails. Embedded finance. AI. Each wave…
Career Advice for Young Professionals in Financial Services
I am often asked by young people — sometimes new joiners in our industry, sometimes students deciding their path — what it takes to build…