Banking MD @ Accenture UK, and Accenture's Fintech Innovation Labs London Programme Director.
Joined April 2007
- Tweets 570
- Following 516
- Followers 298
- Likes 1,342
99 Photos and videos
Tom retweeted
19 May 2023
Meet our dynamic panellists!🚨REGISTER NOW🚨 to hear change-makers & experts within #AI, #DigitalTransformation, #DataScience, #Finance, #Law & #Diversity debate the impact of #AI on Society imprl.biz/SID23 #ideas2impact2023
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Is the logic chaining, purported ease, going to be the differentiator here vs the EU Open Banking based PFMs? I love the complaint use case; I’ve often thought there’s a data gap to systematically reverse engineer utility’s pricing models for consumers to haggle better deals.
29 Apr 2023
I decided to outsource my entire personal financial life to GPT-4 (via the @donotpay chat we are building).
I gave AutoGPT access to my bank, financial statements, credit report, and email.
Here’s how it’s going so far ( $217.85) and the strange ways it’s saving money. (1/n):
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Tom retweeted
9 Mar 2022
I love this - Return On Hassle (ROH). It is such a key driver of consumer behaviour and one which institutions do not consider enough. Performance - price - hassle = value? Thank you for articulating.
8 Mar 2022
After advising hundreds of multi-millionaires, there's one thing they all have in common...
They don't only think in terms of Return on Investment, but also consider RETURN ON HASSLE.
Here's what that is, and how you can apply it to your wealth building strategy
🧵👇
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Tom retweeted
24 Jan 2022
2022 FinTech Innovation Lab London launch day 🚀
Orientation Week has begun! To kick things off our new cohort of 14 new #FinTechs will be getting to know our client partners and mentors. Here’s to a great 12 weeks!
#Accenture #FIL2022 #FinTechForGood #Innovation
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Tom retweeted
29 Jul 2021
Side note: if you are a legacy credit card issuer with your cards in PayPal or ApplePay wallets right now you are playing with fire and just asking to be disintermediated in credit provision.
29 Jul 2021
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Tom retweeted
22 Jul 2021
This is such an interesting chart. Music publishers pass through ~75% of revenues to songwriters, while record labels pass through ~15% of revenues to recording artists
21 Jul 2021
Spotify launched in the US 10 years ago this month. Here's my best take at how economics flow from a $9.99 monthly subscription.
Three takeaways:
1) Spotify only keeps ~33%,
2) Artists and songwriters don't get much,
3) Music is really, really complicated.
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Tom retweeted
21 Jun 2021
It's #GlobalMNDAwarenessDay - a day to raise awareness of motor neurone disease around the world.
• 6 people will be diagnosed today
• 6 people will die today
• It has NO cure
Please retweet our graphic highlighting the key facts. More people need to know 🧡 thank you! #MND
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Tom retweeted
27 May 2021
Second, data from Springboard show that footfall at retail locations was 71% of its level two years ago in the week ending May 22. It has been edging down since the week shops reopened, confounding hopes of a further pick-up after the service sector reopening on May 17 (2/3)
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Tom retweeted
3 May 2021
Shopify initially loaned $2000
Banks:
“But loans are not going to be make us real money at that level.”
The customer:
“We found Shopify Capital to be so valuable that we’ve returned for 10 rounds of funding.”
Last Shopify Capital round raised was $1m😗
techcrunch.com/2021/04/28/ho…
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This graph from @alekswis in the @FT is remarkable. US data - that seeks to compare relative wealth between generations (Mils, Gen X, Boomers, etc). Great article on prospects for youth and the 'social contract' with older generations. ft.com/content/77d586cc-4f3f…
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.@PrivateEyeNews has an incredible leak around the level of fraud on BBLs - a sample suggested 1/3 are ‘dodgy’ - that’d be c £15bn. @CityPolice letter implies no plans to do much about it either. Remember - public money not bank losses here.
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Santander announces 550 branch closures (bit.ly/3rkk6FX) & flex working for 5k head office staff. Is it telling that public resistance to branch closures is not what it was (or are their voices not heard?). Similar news at Nationwide with 4.5k folk work from anywhere.
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Side: There was a great @Demos report (on.ft.com/3faLsM7) about remote work levelling up. If you are a UK regionally head-quartered bank, does remote work now open up a much bigger talent pool? What's the contra impact on major FS hubs (e.g. London?).
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Two years on, apparently not: "[the investigation] did not produce evidence of unlawful discrimination against applicants" on.ny.gov/3vZAqQ6; credit scoring is opaque but explainable, and additional card holders / spouses on the same card hold a different financial profile.
10 Nov 2019
Apple's 'sexist' credit card investigated by US regulator bbc.in/2XaBXln
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Tom retweeted
23 Mar 2021
Absolutely maps to our data and findings.
9% of all investors have been investors for less than 12 months.
..Rising crypto, seemingly invincible tech stocks & a clean energy green bubble...
We all need to think harder about how to engage. (Engage, not lecture!)
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