authentic can't be faked

Digital — does it make the boat go fa...


A few years ago, when I was still at HSBC, my sister was urgently admitted to the National Hospital for Neurology and Neurosurgery in London for surgery on a tumour. It was distressing and bewildering for our family. That first night, my mother asked me how everyone working at the hospital was so consistently brilliant. […]

Digital storytelling

Neural Coupling

Digital is no longer a question, it’s an obligation.   Digital can democratise markets with unrivalled pace, momentum and reach. It has no respect for organisational hierarchies, preconceptions or biases. It will blast through all those to create an entirely new market, customer base and league table while you are still spinning up your steering […]

Escape to evergreen

Escape to evergreen

  From PA Consulting in the FT – June 2014 – emphasis mine. The executive team can look outside the organisation for fresh perspectives. ….from partnerships with start-ups…. and hiring digital talent from outside the traditional recruitment pool…. these outsiders’ views will challenge convention and cause disruption. It is clear that…. successful businesses will be those that […]

Being unreasonable

We've always done it this way

If you want something new, you have to stop doing something old. ~ Peter Drucker David Edelman suggests being unreasonable – not traditionally taken as a compliment – is an absolute must for successful digital delivery. It’s part of how to transform your enterprise to become authentically digital. An unreasonable aspiration is like a key that unlocks new ways of […]

Just let me drive

When I left university, I financed my move to London by selling my car. Though long before collaborative consumption was enabled – no ZipCar, City Car Club and definitely no Uber – getting around London was pretty easy. I soon landed a job in the City which was well served by public transport. For a few years, the choice to not have a car was […]

Dinosaurs, digiphiles and dynamite

Kodak Zi8 and Nokia N95 by Anders Pollas - on Flickr

This started as a ‘brief’ comment on Chris Skinner’s excellent post about a Kodak/Nokia moment in banking. It’s much more important you go read his post, than mine below. Obviously the status quo is unsustainable – it’s just a question of what time horizon one uses to assess the urgency/pace of change. In time, financial historians will surely […]

How banks can adapt to an uncertain d...

Umbrella by jmpznz on Flickr

Boards of many global financial services firms now identify the need to adapt business models and strategies to survive changes to customer behaviour and market structure. Yet, even as they actively seek solutions, some struggle to balance the required change with their incumbent business.   Their existing businesses seem to perform adequately on both an absolute and relative basis; […]

Fruitfully friction free finance


The cost to me of doing business with you should be zero. My business has value for you. Capturing that value is your business. Don’t make me work to give you my money. I won’t be bedazzled by your flashy front end – however challenging it was for you to design and deploy. I want […]

Are boards fishing for digital talent...

Are boards fishing for digital talent in shallow pools?

In pursuit of strategies to survive the relentless digitisation of financial services, are the pools in which boards fish for talent too shallow? Major financial institutions began to truly grasp the magnitude of change required years after the iPad was introduced. Awareness comes not through regulatory mandate, but from customer behaviour and expectations which now […]

FinTech glass half full; change story...

FinTech glass half full; change story barely half written.

A tweet grabbed my attention the other day: Banks should bottle the goodwill in the brand, keep the lights on with V1 and start again with different people on V2 @nextbank #digitalbank — Andy McLean (@InsaneMclean) January 15, 2015 In FinTech, Andy McLean is one of those guys who is just getting out there and changing things. Proactivity […]

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