Independent board director · Strategic advisor · FinTech Forum co-founder
Frank writes about banking technology, governance and the decisions that carry the most enterprise value: where strategy breaks, what digital assets are becoming, and what cyber risk now means at board level.
DePIN is shifting crypto from speculation toward real-world infrastructure by crowdsourcing telecom, compute, storage, and data networks instead of relying on massive centralized CapEx. The article argues that the Machine Economy will be built on networks where physical utility, autonomous machine-to-machine settlement, and real usage drive sustainable cash flow.
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AI-driven models like Mythos mark a step-function shift in cybersecurity, dramatically accelerating the discovery and exploitation of vulnerabilities. This creates a structural asymmetry in favor of attackers.
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For years, the crypto market was driven by what I call "Narrative Alpha"—the ability to tell a compelling story about the future. But as we cross into Q1 2026, the game has fundamentally changed.
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Walk into any bank’s boardroom today, and you will see stunning presentations about AI, Web3, and embedded finance. The slides are polished, the roadmaps are aggressive, and the promises of "new revenue streams" are intoxicating.
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Executive Summary: The Price of Technical Hubris The 2013 near-collapse of the Co-operative Bank stands as a landmark case in the history of financial services, representing a total failure of governance, risk management, and digital strategy. While the public narrative focused on a £1.
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Banking has evolved from a physical destination into an 'invisible thread,' becoming a seamless and indispensable part of our digital existence. Modern megatrends are driving us toward hyper-personalization, biometric security, and the Machine Economy.
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The middle of banking is a death zone. Survival requires a binary choice: become a Developer owning the customer interface through innovation, or a Seller dominating infrastructure volume as a utility.
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Banking is being reshaped by a powerful convergence of AI, cloud, APIs, blockchain, cybersecurity, and mobile-first technologies. Learn about the 18 megatrends defining the future of finance.
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Discover the dynamic balance between international corporate travel, strategic oversight, and a steadfast dedication to mental and physical resilience.
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Discover the astonishing parallels between the demands of track-and-field decathlons and the core principles of effective business leadership and management.
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Stablecoins bridge crypto volatility with fiat stability. Explore the architectures, systemic risks, and evolving global regulatory landscape defining this pivotal digital asset class.
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30 Years Later: Building My First Python App with a Little Help from AI. Running an open-source Daily Finance News Agent on GitHub.
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A strategy can only be successfully executed if there is a strong alignment between the core business strategy and the C-Suite tasked with its implementation.
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Discover how board members wield 25 Key Performance Indicators (KPIs) as their compass, guiding the institution towards digital excellence.
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There are several key considerations for boards of directors when it comes to artificial intelligence (AI) in the banking industry. Eight of the most important ones include: Business strategy: Boards should consider how AI can be used to support the bank's business strategy and goals, and how it can
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Summary 75 percent of all IT Mega Projects of banks do not reach their goals, 25 percent are cancelled even unsuccessful. Unrealistic objectives, underestimated complexity of the underlying IT landscape and overestimation of one’s own capabilities are the main reasons for failure.
Read →Occasional essays on banking technology, governance and the decisions that carry the most enterprise value. Sent by Frank, no third parties involved.
Frank Schwab