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A journey of a thousand miles begins with a single step

A few insights to share from recent work with financial institutions on how to take steps toward change in the world of digital assets. In the halls of these august, large institutions, there is often talk about whether to be a first mover vs. being a fast follower. You might call this a head vs. heart […]

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3 Lessons on data & identity from Covid19

Well lessons from the first half anyway. Data is the new oil. Many tricks were missed by government and individuals alike. I see three things as worth highlighting. 5 min read for some summer enlightment. #1 Digital ID for individuals. Over here in Switzerland we have been “opening up” for a few weeks now. Understandably, […]

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The perils of Stablecoins

There’s been a lot of talk about Stablecoins, maybe too much talk. With Big Blue,IBM, announcing their World Wire productwith a Stablecoin capability, it seems a good time to ponder how the banks’ plumbing is going to be affected. On-chain payment is an important topic if you believe that the financial services marketplaces will be tokenised and move […]

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A dollar is a dollar. A crypto dollar is a ?

“What exactly are the risks with Tether?” That question was posed to me recently by a very senior exec from one of the tech titans in FAAG. Way back, my friend mined some Bitcoin and he had recently had a rough time turning the sale proceeds into real cash in a bank. Two other recent […]

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This year has seen a few banking fiascos. TSB had a multi-day outage during a migration, VISA lost connectivity for an extended period and the good burghers of Deutsche Bank managed to let a single payment out that was greater than the value of the firm. What are the implications of the regulators looking at […]

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