“Financial inclusion” is a lie
I may as well go ahead and say it outright - "financial inclusion" as defined by the platform players, is ...
Random musings from Bryant Park in New York
Some random thoughts about the United Stares that I am struggling with as a foreigner visiting the country two years ...
Postcard from Haiti – even failed states have a saving grace about them
I was in Port-Au-Prince in Haiti in the middle of a gasoline crisis, but what I saw was not what ...
The personalization of finance
Bankers think that the personaization of finance means more of the same of the products they dish out to their ...
Central Bank Digital Currencies will also fade away
I am saying in my book that if all goes well, Central Bank Digital Currencies (CBDCs) will disappear as mysteriously ...
If digital banks are designed to fail
Digital banks are mostly designed to fail. Not because of their technology but because of their balance sheets. They have ...
