A functional view of banking

A functional view of banking

When I’m working on strategy with financial organisations, I often find the Bodie and Crane classification (Harvard Business Review, 1996) a useful basis. This gives me a model that sees banks as a bundle of six basic functions: three core transfer functions...
Payments NZ – The Hub Series 2021 – Session 1

Payments NZ – The Hub Series 2021 – Session 1

Dave had a great session with folks over at Payments NZ this week, the topic of session was ‘Who’s shaping the future of payments?’. Last year was transformational for the payments landscape as payment channels evolved to meet customer demand and...
Substack: subscribe to receive Dave’s insights

Substack: subscribe to receive Dave’s insights

A couple of times per month, Dave will be publishing articles on Substack highlighting his experiences, insights and thoughts regarding digital identity, digital money and digital diligence. You can look forward to titles such as: Currency & Anonymity, It is the...
CNBC: Ransomware & Cyber Attacks

CNBC: Ransomware & Cyber Attacks

Today, Dave spoke with Joumanna Bercetche of CNBC about possible solutions to cyber attacks and how “decentralization of ransomware has been enabled by cryptocurrencies”. Dave firmly believes that a good digital identity infrastructure is a fundamental...
DIGISEQ: Rapid Contactless Personalisation

DIGISEQ: Rapid Contactless Personalisation

DIGISEQ announces a breakthrough in payment wearable technology giving consumers the functionality to turn any object of choice into a payment device with a user friendly application on their mobile. Read more here…