Is PSD2 and Open Banking friend or foe for banks?

Waiting at the departure gate at Heathrow Terminal 2, dressed as an eskimo as I didn’t trust the weather reports for Hamburg! The question I started to explore: Is Payment Service Directive 2 (PSD2)  and Open Banking friend or foe for banks? There are 2 key players influencing change, the European Banking Authority (EBA) who … Continue reading Is PSD2 and Open Banking friend or foe for banks?

Awesome Product Owner

Digital Transformation – Awesome Product Owner (10 minute read) One of the expected outputs of digital transformation should be epic digital products. Products that engage, add value and seamlessly intertwine into the lives of users. Nostalgic reference alert… Digital transformation is tough and requires the A Team which should include a “Hannibal Smith” Product Owner … Continue reading Awesome Product Owner

Servant Leadership

Digital Transformation – Servant Leadership (10 minute read) The year 2017 will be the year of digital transformation across traditional banks, as they respond to emerging technology and Fintech competition. Many moons ago, during my MSc, my Professor of Change Management, Bernard Burns, used to say; “the key component of successful change is culture”, and … Continue reading Servant Leadership

Are you a victim of strategic architecture?

In a recent visit to Germany I was privileged to have dinner with a seasoned solution architect. Over a vegetarian German pizza, we discussed implementing agile into legacy systems, the rise of micro services and then the perils of strategic architecture and how a business can become a victim. It sounds like a dichotomy strategic … Continue reading Are you a victim of strategic architecture?


Agile The world of technology and human advancement is changing at a pace never seen before in humanity. The volume of information and data available to the world has exploded. Unless you have been living in a rainforest and hunting and gathering, or under a rock you have seen these changes first hand.