The Quiet Revolution in Personal International Retail Banking

The Data Driven Economy

In the retail banking industry, new government regulation such as the Payments Services Directive II (PDS2) and Open Banking Standards.

Provides a framework for the use of new technologies and customer data. Banks have been incentivised to give 3rd parties access to customer accounts and transaction information.

With organisations exploiting only 1% of the data available to them. Successful companies are engaging in digital transformation programmes, with clearly defined objectives.  

Supported by the necessary technology stacks, architectures & business applications.

Small Luxury hotels

The Data Driven Economy

Over the last decade, data-driven organisations have become some of the most valuable companies in the world. To illustrate my point, in 2001, the top 5  most valuable companies by market capitalisation were drawn from; The retail sector, oil & Gas, banking and industry. Only one firm Microsoft was from the technology sector.

By 2016, all top 5 positions were occupied by technology firms, that emerged as a result, of the on-going maturation, of the global data-driven economy.

Genomics the Next Leap Forward


Fast Fashion Supply Chains


What Millennials Want


Genomics the Next Leap Forward

There is a growing demand from consumers to gain access to more personalised health information. That provide insights into their predisposition to diseases, guidelines into diet based on nutrigenomics, and their culturally specific needs.

As consumers connect, food choices, the environment and their genetics to health.  A number of movements such as the Wellness, the Quantified-Self and the Bio-Citizen are converging around genomics.  

Fast Fashion & Supply Chain Management

The supply chain represents a network of raw materials, components, suppliers, manufacturing plants, warehouses and distribution centres, stores, and end users.

To ensure the timely, accurate, and secure delivery of goods. Involves, the coordination and collaboration with channel partners; that may be suppliers, intermediaries, third-party service providers, and of course customers.

Fintech & the Disruption of Financial Services

Presently, 30% of the world’s adult population is unbanked. 80% of SME’s worldwide have no access to formal financial systems and 90% of the adult population in developing countries do not have access to a credit card.

The International Finance Corporation (IFC) reported a funding gap of more than US$ 2 trillion for (SME’s) in emerging markets. Hence the World Bank and the G20 are collaborating to solve this challenge. 

However, big tech companies along with Fintech start-ups are racing to capitalise on this huge market opportunity.  

What Millennials Want

Digital transformation, across other industries, exposed consumers, to the convenience, and ease of use of tech enabled digital products. When owners of SME’s and consumers, interact with retail finance products, They expect the same level of immediacy, with solutions customise to their requirements.

Humans the Microbial Super Organism

The body is an ecosystem of interconnected human and non-human parts. Humans are a majority -microbial organism with approximately 90% of human cells and 99% of human genes originating from our microbiome rather than from the mammalian part of our body.

According to Cornell University, human microbes exert control over the development and function of our physiological systems. This includes but is not limited to our immune, gastrointestinal and neurological systems. To the extent of significantly altering human behaviour and health.