It is always a pleasure to visit Denmark but with the battle on to become the Nordic's Fintech hub we were especially excited to present at Copenhagen Fintech (CFIR) recently on ‘Machine Learning and Financial Advice’ For those not familiar with the subject, ML is a form of artificial intelligence where the computer learns without being explicitly programmed. It is extremely good for analysing huge volumes of data and variables, yielding insights that humans simply cannot. Mo

Over the past 4 weeks we have visited 4 countries across Europe, the latest being Italy where we were enchanted, frustrated and sometimes bemused by what we found. The world’s most advanced 'country' 2,000 years ago, Medieval Italy is also recognised as the source of modern day banking, subsequently exported by its rapacious merchants and clergy. Monte dei Paschi di Siena, founded in 1472, is the oldest bank in existence, but only just – in the EBA’s recent Asset Quality Revi

We have blogged previously about why Estonia is a great location for FinTech. In the post-Brexit world UK FinTech's can leverage Estonia's highly competitive digital skills and environment to their advantage. Brexit Blues Despite political and industry messages to the contrary, Brexit is a huge setback for the UK FinTech and Financial Services industries. Loss of passporting rights will make it more difficult for regulated FinTech’s to use the UK as base for pan-European busi

Until recently citing Estonia as the location of your FinTech firm drew looks of puzzlement despite Nordic banks generating healthy profits here, NASDAQ doing cutting edge Blockchain R&D and a red hot start up scene. Today that same statement creates high interest and rightly so. At a time when Germany gets excited by Fidor, the UK agonises over identity and the world struggles to understand digital, the Estonia's capability is light years ahead. Here is why... Digital Identi

Last week we were privileged to take a deep dive into Industry 4.0 a.k.a. the Internet of Things and were struck by the parallels it has with Banking. Industry 4.0 For those not familiar with the concept, Industry 4.0 is the digitisation of industrial value chains and networks and is regarded as the next 'industrial' revolution. Common standards drive inter-connectability between all participants and produced parts, with each resource becoming an information carrier able to c