Why are banks ‘trying to shapeshift’ into technology companies?
Referenced by IBM Institute for Business Value; republished by SME Finance Forum.
Earlier Work
Banking was already being rewritten.
From 2015 onward, I wrote about fintech as it moved from the edges of banking toward its products, interfaces and infrastructure — from challenger banks and open APIs to platforms, blockchain and the unbundling of financial services.
“The technologies have changed. The underlying question has not: who controls the relationship between people and their money?”
Selected work
Open Bank API Ecosystem as Firewall Against Fintechs
Referenced by Infosys Finacle / EdgeVerve FinacleConnect.
Banks: Rigid Decision-Making and the Bureaucratic Trap
Formally cited in academic research at Radboud University Nijmegen.
FinTech Segments
Preserved by Wikimedia Commons and used by Wikipedia/Wikidata projects.
Banking, fintech & the first wave
The questions that defined the first fintech wave.
From open banking and platforms to challenger banks, blockchain and the unbundling of financial services.
Many of these questions never went away. They anticipated forces shaping banking again today — now with AI, greater data access and a new generation of entrants.