If we look at the successful financial services incumbents and fintechs you can see that technology is at the centre of what they do. In these companies, the silos separating tech and business functions have been broken down. This means that if you are in a leadership position at a…

While things have undoubtedly changed considerably for the financial services industry over the past 18 months, the ascendency of FinTech remains quite unabated, with global FinTech investment reaching $98bn. …

As things stand, FinTech solves problems and addresses pain points through innovative models, however, it is still reliant on legacy banking infrastructure. Cryptocurrency and its underlying technology, blockchain, has the power to revolutionise that infrastructure and, in doing so, revolutionise financial services work. Even though Bitcoin has been making the…

FINTECH STRATEGY With customer acquisition costs high, and regulatory hurdles to overcome, financial services firms are faced with a choice of whether to build their own capabilities or seek out FinTech partners to help drive innovation initiatives. FinTech startups have the advantage of not being encumbered by legacy systems and processes. As…

Part 4 — Blockchain’s Real-World Potential in FinTech In the previous installment we looked at some of the key FinTech segments and we now move onto the emerging tech most often associated with the industry, namely Distributed Ledger Technology (DLT) or blockchain. While blockchain’s components — such as cryptographic hashes…

Part 3 — FinTech Segments and Big Data Over the last couple of weeks I have covered the FinTech market taking a high level of the industry and market dynamics. …

Part 2 — Fintech Market Dynamics Consumers and business customers alike have embraced the idea of on-demand finance, thanks to mobile and cloud computing. …

Part I — Introduction Scope of the Series This series of reports will provide an overview of the financial technology (FinTech) industry through analysis of the market’s size, forecasts for its various segments, and a look at the trends that are driving the different strategic approaches of organisational stakeholders. I will look at the dynamics of the UK…

INTRODUCTION TO CLOUD COMPUTING Cloud computing is really a metaphor for the Internet in general. It can be seen everywhere yet it is true to say that not everyone knows exactly what it is. Cloud-computing services — such as those offered by Google, Microsoft and Amazon — take care of…