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Virgin Money Added to Fintech IPO Watch List

IPO Status: Teaser I track through 3 phases: – teaser = announced intent, little hard data to evaluate, just what PR wants to tell us. You cannot tease for too long, if no S-1 within 30 days I take...

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Virgin Money – challenger bank, full stack Fintech, or re-branded old bank?

Millenials want choice. Their parents might have been OK with the a few big old banks, but if you grow up with everything that you want being a click away, the world looks different. Virgin Money is...

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Fidor Bank License As A Service model changes the Full Stack Bank Debate

This tweet by Marc Andreessen in February ignited a debate:   @cdixon @JackGavigan @Kwdmiller @aweissman I am dying to fund a disruptive bank. Marc Andreessen (@pmarca) February 9, 2014   “Disruptive...

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Fintech City Tour goes to China To Find Disrupters Getting Banking Licenses

The beauty of the digit express is that I can go wherever I want (“beam me up Scotty”). Using airplanes I would have gone from India to China. Instead I went from India to Amsterdam to China. “Bits...

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The business model to replace fractional reserve banking will use Freemium

When you read the words “fractional reserve banking” you are often in for “the system is evil and Bitcoin is the revolution”. I promise you that this is not one of those posts. I do believe that the...

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Fintech 1,000 Landscape Report: Programmable Bank

This Landscape Report could also be called Bank APIs. I like the name Programmable Bank because it resonates with Programmable Web.  It implies a Mashup approach to system development. This is...

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The Digital Wallet User Experience will have to pass the toothbrush test.

A digital wallet could be a commodity with maybe some branding and fashion – similar to physical wallets today. In this scenario, we will have thousands of digital wallets. Or a digital wallet could...

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Why the Uber of banking Fintech model is a mirage

Pitches for “Uber of banking” ventures assume that you can leave the actual delivery to commoditized providers. This is a mirage. There  are three different Fintech startup models in Consumer banking:...

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Branch closures will soon pass the Wile E Coyote moment

By Bernard Lunn To avoid the Blockbuster/Borders/HMV fate, there are only 3 possible strategies: Close them quickly – get the pain over quickly, reposition the bank, free up management bandwidth. The...

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How to assemble a full stack bank in 5 steps without a license or a core system

By Bernard Lunn Image courtesy of Starling Bank This is like furniture that you assemble at home that comes with instructions that tell you that you will need: A great Customer Experience design...

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