Software business dead – but software has more value than ever
Although software is core to most business, it is not so easy to create a viable software business, or at least generate big profits by only selling software. Read more…
Although software is core to most business, it is not so easy to create a viable software business, or at least generate big profits by only selling software. Read more…
People are more confident using new digital banks and their services and, as my traditional banker friend said, we are approaching “the Kodak moment”. Read more…
Serverless cloud services are coming and they will change the way we build software and design services. At the same time, they offer totally new business opportunities. Read more…
Equifax, HSBC, British Airways, Cathay Pacific, Marriott, Quara – and we could continue the list much further. They are some of the companies that have had a significant customer data breaches this year or last. Read more…
Money, power and politics have always been linked to each other. The control of banks and finance services is an important way to use power and control macro developments. For example, anti-money laundering measures are Read more…
Fintech, blockchain and regulatory changes are driving the finance sector towards a fundamental change. It is not so difficult to predict what will happen so much as when it will happen. History doesn’t repeat itself, Read more…
Traditional finance institutions often question and criticize the new finance models enabled by FinTech, using the excuse that banks are heavily regulated and must manage risks and protect their reputations. Yet the banking sector has Read more…
Record labels and movie production companies work hard to protect their copyrights, especially when it comes to digital distribution solutions, which has resulted in all kinds of restrictions in how content can be copied, distributed Read more…
Digitization has been talked about for years. It is hard to count how many industries talk about it, how many consulting projects plan it, and how many new services and processes have been created based Read more…
We’re seeing an increasingly polarized debate over business models: the zero-sum game vs expanding the pie. But it’s more complicated than labeling a given model one or the other. We often have a tendency to Read more…
Recently I was watching a discussion about the ethical questions of AI – in other words, how to guarantee AI is more good than bad to human beings and societies. Nowadays many discussions are easily Read more…
“The West monetizes web services with the advertising model, and the East monetizes them with FinTech.” I heard this comment at a think tank event I recently participated in. It is a very interesting observation. Read more…
The latest statistics show that the ICO market grew again in March. Yet at the same time, more and more people are skeptical about the ICO market. An interesting aspect of the ICO phenomenon is Read more…
The Facebook/Cambridge Analytica data sharing scandal is a necessary wake-up call, but the issue is much bigger than Facebook, and the less visible aspects of data collection arguably present much greater risks. I was listening Read more…
Contactless payment cards are almost everywhere these days. Cryptocurrency coins and tokens are now being issued by many companies, especially via ICOs. Many parties are planning blockchain-based settlement solutions. At the same time plug-and-play type Read more…
Changes take time … until they suddenly seem to appear out of nowhere. Financial services are at the cusp of a remarkable change that few bankers realize. The decentralization of technology, new regulations, increasing competitiveness Read more…
Cryptocurrency mining requires a lot of computing power and electricity. This has been seen as a major issue with currencies like Bitcoin. Blockchain now has many models, as I have written previously, and it is especially Read more…
ICOs and cryptocurrencies became a big thing last year. Some people think they have changed the whole world, while others think they are the biggest bubble we’ve seen in a long time. The value of Read more…
ICOs and cryptocurrencies had a bigger than expected role in FinTech and alternative finance in 2017. We haven’t yet seen a big disruption in the finance ecosystem and value chains as a whole, but the Read more…
Blockchain has been compared to TCP/IP in terms of how it enables new distributed finance solutions in the same way that TCP/IP enabled internet services. It certainly looks like distributed finance solutions will disrupt the Read more…
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