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Banking is a problem only partly solved

In the good old days you had to visit your bank, at least once a month by the time your bills were due. You collected your paper invoices and off you went. While there, maybe you put a couple of bucks into a savings account or a mutual fund because the nice lady behind the […]

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The dump pipe – a profitable position for banks?

It happens all the time. Telecom might be the most pertinent example of an industry having its monopolistic structure – and value chain broken up. Telcos’ used to be considered natural monopolies, because of their huge investments in access networks, enabling all customers within a region or country, to get magical services like telephony. Once […]

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Nobody really cares about the problems anymore

TL:DR If we cared more for the problems we’re trying to solve, rather than jumping to solutions – our solutions eventually would be better. In this day and age – iterating problems to solutions are bypassing stodgy old models of planning years in advance.  What’s the value of really understanding a problem? In my view it […]

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The demise of content marketing

Have you seen any good adverts lately? Ah. Sorry. I’m being a prick. Of course you haven’t. And with all the ads and other things available at your fingertip, you probably wouldn’t be interested enough to be bothered about them anyway. Advertisers are starting to get this. Their analysis is on target but the product and […]

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Personal connections – the future of digital business

TL:DR: Being personal in business is great but being personal in the digital dimension is hard. And living up to the standards of digital in the physical world is even harder. Understanding what constitutes a personal relationship and using both the physical and the digital dimension to do what they are best at is key […]

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Peak regulations – hidden business opportunities

It’s all cycles. When something goes to far in one direction, it suddenly stops, and goes back. Its natural and it’s actually quite predictable. When you’re in politics (I assume, since I’m not a politician) your agenda always have intended outcomes and unintended effects. I guess that – as a sensible politician, you try to […]

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It’s all about the algorithm – the case for robo-advice

Robots in the financial world, specifically in the area of investments and savings is one the fastest growing and interesting areas right now. For a variety of reasons, it holds a lot of promise for both consumers and businesses. As it happened, I read this article about robo-advisory the other day. Unfortunately for me, who […]

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The new strategic choices for banks – the bank as a platform

When talking about platforms, open API:s and cooperation between rivals – have you ever wondered how that might be possible? How does it even make business sense to let others use your systems and resources for their business? This is the long form answer, mostly focusing on the situation that banks are facing right now. […]