Season’s Greetings and Happy New Year!

Season’s Greetings and here’s wish you all the best for the coming year. Stay safe, enjoy a break with your friends and family, and let’s hope we can all spend a little more face-to-face (or mask-to-mask, at least) time in 2022. It’s such an exciting time in financial services, as we really are on the cusp of something genuinely new as the vision of a new infrastructure comes closer to reality. Here’s to a year of experiment, invention and sustainable innovation in digital identity and defi, the metaverse and digital currency, IoT and smart supply chains and, of course, another few steps towards cardmageddon!!

Thanks to everyone who has been following me here, on Twitter, on Substack and here, I genuinely do love the interaction and debate that means I learn more about this fascinating industry every day.

And a big end of year thank you to the amazing Helen Holmes who draws the fantastic “Slugsy” cartoons for me! If you want to take your first baby steps into the metaverse, some of these are now available as NFTs!