Just under a year ago I wrote a LinkedIn post asking whether we were through the financial mis-selling storm. The Senior
American voters, by electing Donald Trump, thought they were voting for more protection, stricter controls, a harder attitude towards Wall Street and more emphasis on the 'real' economy. Trump's transition plans will deliver precisely the opposite.
Despite being born and raised in England, I no longer identify as British. It feels unsettling to say so, and I should add that I still hold a UK passport and have a deep affection for my country of origin. However, having having spent almost a third of my life living in France and Belgium, and learned a second language, I now see myself as European.
What is it about the Gleneagles Hotel and the Scottish banks? Is there something in the water at the opulent 1920s Perthshire spa and golfing resort - or perhaps in the generous single malt Scotch whiskies that are often served there - that causes Scottish bankers to lose their minds and embark on crazily ambitious growth plans?
When trying to interview bankers and other City of London insiders for his Guardian banking blog three years ago - material
It could have come straight out of an episode of Star Trek. "Captain, we are approaching the Capital Markets Union, a new
Into 2015 and beyond we can expect to see fewer lenders granting fewer loans, resulting in a greater dependence on state support and rise of the grey and black markets.
If we are ever to have a hope of rebalancing the books, meeting the future costs of the NHS, and satisfying our pension liabilities we need to look beyond capitalism. It's served a fortunate few well, but it has failed the majority. It's time to bury it alongside socialism and look for a better successor to both.
When that space is claimed and tainted by perceived security interests and the engagement with certain actors has more to do with the fear of legal retribution back home than any tangible threat from individuals or groups, the sector has surrendered to the political and interests of our governments, not of universal humanitarian principles.
This personalised, mobile, social experience can only occur if the banking and financial services industry continues to transform its technology platforms and solutions, with the ultimate aim being channel integration and embracing the digital opportunity.