AI Agents Need Digital IDs for Effective Governance
AI agents cannot be governed without their own digital identity – CEPS https://t.co/1xEeWgok8n "Europe must design and deploy a digital identity infrastructure for AI agents" Discuss. https://t.co/sZutN2E3Um
Banks Must Lead AI Agent Identity Standards
Amir makes a good point. Banks need to be at the table in debates over AI agent identification https://t.co/A5aUTxNI3q "Managing identity, authorization, fraud risk and liability is of paramount importance for agentic commerce to be adopted broadly." https://t.co/DgsELATQrB
Banks Demand a Level Playing Field in Open Finance
When it comes to open finance, banks have a point when they want a level playing field (with big tech). #Banking #OpenFinance #BigTech #OpenBanking #JPMorgan https://t.co/beEiyACvhR
Paris Dryer Wins $34K, Proving Hyperstition Power
$34 Dryer In Paris Wins $34000 On Polymarket https://t.co/FNMV58JlN7 Fantastic story, interesting on so many levels. But also I learned a new word that I already love. "Hyperstitions are semiotic, cultural, or fictional ideas that become self-fulfilling prophecies"
Apple’s New Wearables Signal Internet Access Identity Shift
Apple is apparently working on a bunch of wearable devices, including smart glasses, camera AirPods and a camera pendant. How we access the internet is shifting, and it's raising big questions about identity: https://t.co/nboUJJ8Flq
David Birch's "Identity Is the New Money" Tops Finance Literature
Wow. Ten years ago. John Lanchester https://t.co/tvIiviwJYt "David Birch is the author of a fresh, original and fascinatingly wide-ranging short book about developments in the field, "Identity Is the New Money". His is the best book on general issues around new forms...
UK Spends £550 on Digital ID, Silences Press
UK govt shells out £550 for Digital ID panel, bans press https://t.co/jMMSDnEqaN "You don't need to know anything about this topic to take part" should be the UK Government's motto. https://t.co/oq6P4ZG2pA
Access, Not Payment, Drives Future Travel Identity
In 2021, I said that if you can’t get on the plane, who cares how you pay? What mattered was access: health credentials as digital identity, led by travel and hospitality. The use case was clear. The follow-through, less so. https://t.co/Tdgeh0A93R
Fed's Crypto Master Account Sparks Bank Opposition, Benefits Competition
New on the not-a-newsletter... Skinny is Good https://t.co/bujchlQubN The Fed has given a master account to a crypto exchange. The banks are mad. I understand why - but they are wrong. It is better for everyone if banks face real competition....
Stablecoins Dominate This Year's Merchant Payments Ecosystem
Great chatting with @IgorTomych at @FintechGarden again, stablecoins was one of the biggest topics covered at Merchant Payments Ecosystem this year, and it's easy to see why with so much going on in the space... Listen in on YouTube 👉 https://t.co/yW228At80A
Half of Audience Will Wear Smart Glasses by Next Year
#Money2020 ANT Group Garry Sien great talk on AI he says half of this audience will be wearing smart glasses this time next year. I certainly will be. https://t.co/3fCBQFFCp0
Presenting the New ABCs of Digital Identity
Excited to be hitting the Inner Forum Stage at #Money2020EU today to discuss 'The New ABCs of Digital Identity - Access, Business, and Consent'. See you at 16:00! @chyppings @money2020 #Money2020Asia
2026 Tech Trends Highlight Agentic Identity Access Management
JP Morgan Chase top 20 technology trends for 2026 (hat tip Rich Turrin) https://t.co/bAPTUD5kVv "Agentic identity access management" https://t.co/5TchYZDOlS
Meme Coins Turn Identity Into Crypto Power Play
Crypto Kleptocracy https://t.co/wNj7GJKbw0 "Meme coins illustrate how crypto enables political enrichment through the commodification of identity rather than through the exchange of value for services. " https://t.co/pQXAdg24FR
Identity: The Foundation of Agentic Commerce
Identity is the basic building block for agentic commerce. https://t.co/eLMUCUAZWk #agenticcommerce #verifiablecredentials #authorisation #Mastercard #Visa
Personal Finance Agent Fails; DIY OpenClaw Takes Week
🧠 Wallet Wars Pt 4: The Personal Finance Agent. https://t.co/idNPzqkWsX "Sure you can pay some guy $6,000 to do it for you, but this is a product that should just work. It doesn’t." It took me, on and off, about a week...
We Must Digitally Sign Everything for True Identity
No one is listening to Steve Jobs’s advice https://t.co/j1lR6Oe33R No one is listening to my advice either, but let's hope they listen to Jamie... "We don’t have good identity tools for people, let alone artificial intelligence. So we need to start digitally...
Blockchain's True Promise: Transparent Organizations Over Crypto
#FlashbackFriday In 2021, I said blockchain’s real impact wouldn’t be crypto, but 'glass organisations' built on shared ledgers. We’re still not there, but the demand for transparency hasn’t gone away. https://t.co/xwSUNT4W5G Yesterday’s future. Progress optional.
AI Revolution Shifts From Banks to Citizens, Including Government
New on the not-a-newsletter: Joined Up Government https://t.co/uQuV5muDqI I have long bored people senseless with repeated claims that the revolution in financial services is customers getting AI rather than banks getting AI. Well, the same may well be true of government. Good....
Banks Favor Tokenized Deposits, Not Just Deposit Tokens
Why banks like tokenized deposits https://t.co/fGVaoqeM4U "The big attraction for deposit tokens..." I hate to be that guy, but are tokenised deposits and deposit tokens the same thing James? https://t.co/6qhvH3vUY5
Digital Euro Promises More Privacy Than Bitcoin
Who are the euro crypto bros? https://t.co/9SPxAXZwvO Drug dealers will find the digital euro "significantly better privacy than bitcoin, as there is no permanent blockchain to explore; arguably it’s even slightly better than cash as the digital tokens can’t be tested...
Kids' Social Media Use Doesn't Require Identity Disclosure
Whether under-16s should be on social media or not is widely contested, but no one needs to present their "identity" to social media companies. #verifiablecredentials #authentication #socialmedia #ageverification https://t.co/9cAmJlKwxA
AI Will Transform Payments, Payments Will Shape AI
Thinking about what AI will do for payments (and what payments will do for AI) https://t.co/Jb8eYuz2hs https://t.co/S513uVHayQ
Toronto FinTech Symposium 2026: Open Banking, AI, Digital Finance
Excited to be heading to #Toronto next month for the Canada FinTech Symposium 2026! If Open Banking, AI, and digital finance are part of your 2026 strategy, this is a conversation you don’t want to miss. Register Now 👉 https://t.co/bYuAXP2loh @chyppings @CanadaSymp70327...
Unveiling the Dollar’s Parallel Life
A cup of tea and Sunday as the Lord intended: listening and learning about The Dollar's Parallel Life https://t.co/pxVH4gPcrk with the brilliant Izzy Kaminska. https://t.co/VhALGHNKQm
Modest Digital ID Proposed to Defuse Populist Backlash
Scaled-back digital ID scheme can combat populism, UK minister says https://t.co/JTmh350e94 "Jones said 'conspiracy theorists' would focus on the use of digital ID..." I'm not a conspiracy theorist I'm a competence theorist. https://t.co/zVZDrtgc5A
47 TPAP Wallets Command 97% of UPI Volume
Unstoppable https://t.co/oDDWykTjkX "Overall, there are 47 TPAP wallets accounting for 97.1% of UPI volume and 44 bank wallets accounting for just 2.9% of volume." Nice data point from Jeremy. https://t.co/Lz96XQDV8M
Usability Trumps Ideology: Cash Beats Bitcoin for Crime
In 2021, I asked why criminals still used cash instead of Bitcoin. The answer was simple: usability beats ideology. https://t.co/3uYQEUKCL3 Yesterday’s future. Progress optional.
Moltbook Leaderboard Quickly Overrun by Crypto Scams
New on the not-a-newsletter... The Computer Is Your Friend https://t.co/fDjGtvq1RU Only a few days after launch the Moltbook “leaderboard” was already largely given over to cryptoscams of one form or another with the occasional bot swarm coming up the ranks. https://t.co/Y06s5ePXwG
Sex, Drugs, and Economics: A Curious Book?
Wasn’t there a book called “Sex, Drugs and Economics”? I’m sure I remember reading it a few years ago… cc Diane Coyle https://t.co/5UndYu9Hqt
Iran's Moves
What Iran means for the dollar: a perfect storm for the petrodollar - Deutsche Bank Research Institute https://t.co/gVdGKCUzyc Why have fiat as an intermediary when you could trade oil tokens for wheat tokens (or whatever) ? https://t.co/ocO6m7zPVd
Simple KYC Rules Can Shift Fraud Burden to Platforms
We may not be able to force social media companies to pay their share for the fraud that they facilitate, but a few simple rules around KYC can help to tilt the scales back in our favour: https://t.co/35VgzwI9OI https://t.co/BNQRr49aHQ
Retail CBDC Banned Until 2030, Private Digital Money Grows
In 2021 I said legal tender laws were mostly theatre, a CBDC mandate was unlikely, and private digital money would lead. Five years on, the Fed sits on the sidelines, the Senate bans a retail CBDC through 2030, and digital...
Exploring Money's Past, Present, and Future on Podcast
I had a thoroughly enjoyable conversation with @Jessica Ellerm on the @ThemeliaApp podcast. If you’re interested in the past, present and possible future of money, you might enjoy the full discussion: https://t.co/j8aDGlc0oI https://t.co/lxnSe1jb0c
Self‑Driving Cars Stall in China, Raising Resilience Concerns
Bye bye Vegas see y’all again in the fall. By the way, talking about resilience, this is what World War III looks like. It’s not all your shit blowing up it’s all your shit not working. Baidu's Apollo Go self-driving cars stop...
Consumers Shouldn't Bear the Burden of Spotting Scams
Why should consumers be the ones trying to work out whether something is a scam or not? #CyberSecurity #Scam #Fraud #DigitalSignatures https://t.co/UykiRfLj5z
AI vs Fraud and Stablecoins as Infrastructure
Let's go! I'm in Las Vegas for Fintech Meetup 2026, hitting the stage tomorrow for two insightful discussions - 'Can AI Fight Fraud Faster Than Fraud Fights Back?' and 'Are Stablecoins Finally The Infrastructure, Not The Asset?' Will you be there? #FintechMeetup...
Digital Identities Now Needed for Bots, AI, Devices
#FlashbackFriday In 2020, I wrote that digital identity wouldn’t just be for people. Bots, AIs, devices, even animals, would need identities to function in the digital economy. https://t.co/fptJrj35uJ Yesterday’s future. Progress optional. https://t.co/sGDxAXaoER
Securing the Agentic Economy: Future of Finance Webinar
Excited to be joining Skyler Fox from @ProveIdentity to lead a webinar exploring the practical requirements for securing the agentic economy and what this means for the future of financial services. Register here: https://t.co/YLubCFXpnR @chyppings #agenticai #digitalidentity https://t.co/xeWxcrgXty
Fintech's Impact: Just a Slicker Banking UI
What has #fintech ever done for us? Apart from a better UX in my bank app. https://t.co/Tvnowb75O3
Banks Must Shift Left to Stop Elder Scams
Banks urged to 'shift left' to fight elder fraud https://t.co/TtUy0i7zWZ "a couple lost $2.5 million over the course of a year by purchasing gold bars and leaving them in their mailbox for a fake undercover government courier" https://t.co/hTHQ67yB5E
Agentic Commerce Reshapes Payments; Providers Must Rethink Differentiation
Thanks to UKI Acquirer Innovation Hub for hosting me last month. We had a great discussion about 'Discoverability in an Agentic World', exploring how agentic commerce will reshape payments and why providers might need to rethink how they differentiate. https://t.co/irpi0R2B2k
Bank Cards Risk Becoming Relics as Digital Wallets
Why bank cards may be heading the way of the cheque book https://t.co/zaDaxd3u0O "digital wallets matter more for future growth" That's what I would have said had anyone asked me, which they didn't. https://t.co/gDOCm9u8sO
Patenting Trivial Computer Uses Sparks Outrage
How are people allowed to patent such trivial and obvious uses of general purpose computers? https://t.co/XblJfmlBN2
Stablecoins Remain Niche, Fit Only Specific Markets
Stablecoin market fit depends on the market https://t.co/wMsS3MtMEO "Takeaway: Stablecoins are today a niche product for a narrow population." https://t.co/xdseacqiH9
Join Canada FinTech Symposium for Open Banking, AI, Digital Finance
Excited to be heading to #Toronto in May for the Canada FinTech Symposium 2026! If Open Banking, AI, and digital finance are part of your 2026 strategy, this is a conversation you don’t want to miss. Register Now 👉 https://t.co/oUHyKvkGkx @chyppings @CanadaSymp70327...
Finance Bots Are Now Negotiating for Customers
#FlashbackFriday In 2020, I suggested the future of finance would be bots negotiating with bots on behalf of customers. That future feels rather closer now. https://t.co/aAxDaqNeF0 Yesterday’s future. Progress optional.
Hackers Breach Firewall Provider, Exposing 672k Personal Records
Every day, in every way, it gets worse. Marquis says 672,075 people had their names, dates of birth, postal addresses, social security numbers, bank account and card details stolen after hackers got in to their firewall provider’s system. https://t.co/Wes13lLF1N https://t.co/vnLfmf8HsP
Quantum Computing Deep Dive Begins at MPE2026 with QuSecure
Been looking forward to this. Serious session on quantum computing at #MPE2026 kicking off with Rececca Krauthamer from QuSecure https://t.co/JcOtrlMUnE
Quantum-Ready Infrastructure Secures Future Payments
Today at #MPE2026 with my @chyppings hat on: Future-proofing Payments with Quantum-Ready Infrastructure' examining what quantum means for payments security, and what needs to happen next. 📍 19 March | 12:45–13:45 | Main Stage (Potsdam I) @mpecosystem #MPEBerlin #ILoveMPE https://t.co/bxOPVlv53L