I’ve spent the past 20 years working in international banking. I’ve held a variety of roles across different products and solutions. But I’ve started to see real change and I think it’s on the outside looking in rather than the other way around. Fintech is threatening the way we do things the way we think and the way banks in particular operate. I want to use this site to publish my thoughts insights and ideas in this evolving world of Future Commerce and Fintech.