Fintech will be a local oligopoly market.

Fintech will encroach the banking industry in the next 10 years. However it is interesting to see how the market responds to it and how the industry shapes into the future. Currently all the banks in a country are under the regulation of a central bank of country. Is such a model necessary? Or can […]


Avoid buying a car!

Driving a car has not changed since the locomotive was invented. Of course the reliability of a car, the safety and the cost of cars have been going down for a long time. All this is going to change soon. We have been listening to a driverless car for a long time. However, many of […]


The Banking Apocalypse.

The banking industry hasn’t changed in the last 300 years. Remember the Clint Eastwood movies where the bad guys were always trying to rob the bank?   The bank value proposition hasn’t changed much ever since. It was unsafe to keep all your life savings in your house or your pocket. So you needed a […]