{"id":4441,"date":"2019-06-14T17:18:37","date_gmt":"2019-06-14T16:18:37","guid":{"rendered":"https:\/\/www.newmoneyreview.com\/?p=4441"},"modified":"2019-07-10T16:09:56","modified_gmt":"2019-07-10T15:09:56","slug":"paying-for-the-new-cold-war","status":"publish","type":"post","link":"https:\/\/newmoneyreview.com\/index.php\/2019\/06\/14\/paying-for-the-new-cold-war\/","title":{"rendered":"Paying for the new cold war"},"content":{"rendered":"<p>The<a href=\"https:\/\/www.blubrry.com\/newmoneyreview\/\"><em> New Money Review<\/em>\u00a0podcast<\/a> offers you a 30-minute insight into the future of money.<\/p>\n<p>In <a href=\"https:\/\/www.blubrry.com\/newmoneyreview\/44702879\/paying-for-the-new-cold-war\/\">our latest podcast<\/a>, Shamir Karkal, fintech entrepreneur and chief executive of Sila, talks about regional competition in financial technology, payments, fintech firms\u2019 valuations, emerging monopolies, Facebook\u2019s new Globalcoin, the intensifying technology cold war and blockchains.<\/p>\n<p>Don\u2019t miss it.<\/p>\n<p>Some highlights from the podcast:<\/p>\n<p><strong>Europe leads as a fintech hub<\/strong><\/p>\n<p>\u201cIn Europe, the number of innovators, the amount of innovation and the infrastructure for innovation are growing so rapidly, much more rapidly than in the US, where the pace of change is now slower.\u201d<\/p>\n<p><strong>Fintech valuations<\/strong><\/p>\n<p>\u201cMeasured against the whole financial services industry, fintech still has a small market share. But the story of innovation is that, when change is happening at an exponential pace, for a very long time it seems like nothing is happening. And then in a few short years everything changes.\u201d<\/p>\n<p><strong>The future of payments and settlement<\/strong><\/p>\n<p>\u201cPayments will get embedded into every part of your life. If you have spent a bit too much on a night out, maybe an Alexa app will warn you next morning at breakfast to rearrange your finances to meet your next rent payment. And more and more of the apps will start working together.\u201d<\/p>\n<p>\u201cThe world will become more customer-centric and more about creating amazing experiences. That\u2019s all people will pay for. And the power will move from banks and financial institutions to people.\u201d<\/p>\n<p>\u201cThe clunkiness, the disjointedness and all the problems of the traditional settlement systems are the barriers to entry into the business of these developing [fintech] giants. It takes a long time to figure it out, but once you do, you have a big advantage over the next competitor.\u201d<\/p>\n<p>\u201cIt would be nice to see global payment systems being built by international consensus, that are state of the art and being deployed across multiple geographies at the same time. But you don\u2019t even see that happening in one country, the US, let alone internationally. That\u2019s the promise of blockchain, but those technologies are still very early in what could be a 50-year journey.\u201d<\/p>\n<p><strong>A massive power shift in finance<\/strong><\/p>\n<p>\u201cOut of the 30,000 banks globally that control the $15trn payments pie, only a few hundred will survive in a decade or two. But you\u2019ll have a few large platforms and a few million apps.\u201d<\/p>\n<p>\u201cAlmost anything that Facebook launches will be massively successful because of the size of their user base. But they have some serious trust issues. Especially when it comes to money, the trust factor is hugely important. Their new payments coin will probably end up working on a regional basis.\u201d<\/p>\n<p><strong>The new cold war in technology&#8211;and blockchain<\/strong><\/p>\n<p>\u201cIf history\u2019s any guide, the new technological world war between the US and China won\u2019t be fought in those countries. It will be fought everywhere else, in Asia, Africa, Latin America and maybe in Europe.\u201d<\/p>\n<p>\u201cDuring the last cold war between the US and USSR, India tried pretty heroically not to be aligned with either side. Something similar is happening now in digital finance\u2014India is pursuing a third way. It&#8217;s not the US model of having no infrastructure, nor the Chinese model of a privately owned infrastructure, but\u00a0 a state-of-the-art infrastructure as a public good.\u201d<\/p>\n<p>\u201cI do like to believe that the blockchains will get there. And if there is one global payments system, I hope no one owns it or controls it, but that it\u2019s open-access and blockchain-based.\u201d<\/p>\n<p><em><a href=\"http:\/\/eepurl.com\/du6eTr\"><strong>Sign up here<\/strong><\/a>\u00a0for New Money Review\u2019s monthly content updates\u00a0<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The New Money Review\u00a0podcast offers you a 30-minute insight into the future of money. In our latest podcast, Shamir Karkal, fintech entrepreneur and chief executive of Sila, talks about regional [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":4447,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1053,1026,1014,1],"tags":[1080,1387,1468,1055,1343,1130,1175,1467,1469,1087],"class_list":{"0":"post-4441","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-featured-1","8":"category-latest-slider","9":"category-payment","10":"category-uncategorized","11":"tag-blockchain","12":"tag-china","13":"tag-cold-war","14":"tag-facebook","15":"tag-payments","16":"tag-settlement","17":"tag-shamir-karkal","18":"tag-sila-money","19":"tag-us","20":"tag-ussr"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Paying for the new cold war - New Money Review<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/newmoneyreview.com\/index.php\/2019\/06\/14\/paying-for-the-new-cold-war\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Paying for the new cold war - New Money Review\" \/>\n<meta property=\"og:description\" content=\"The New Money Review\u00a0podcast offers you a 30-minute insight into the future of money. In our latest podcast, Shamir Karkal, fintech entrepreneur and chief executive of Sila, talks about regional [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/newmoneyreview.com\/index.php\/2019\/06\/14\/paying-for-the-new-cold-war\/\" \/>\n<meta property=\"og:site_name\" content=\"New Money Review\" \/>\n<meta property=\"article:published_time\" content=\"2019-06-14T16:18:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-07-10T15:09:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2019\/06\/berlin-wall.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1400\" \/>\n\t<meta property=\"og:image:height\" content=\"960\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Paul Amery\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@ameryp\" \/>\n<meta name=\"twitter:site\" content=\"@newmoneyreview\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Paul Amery\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2019\/06\/14\/paying-for-the-new-cold-war\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2019\/06\/14\/paying-for-the-new-cold-war\/\"},\"author\":{\"name\":\"Paul Amery\",\"@id\":\"https:\/\/newmoneyreview.com\/#\/schema\/person\/71bdc8f94d4973d4c5bd2a8fe5a83412\"},\"headline\":\"Paying for the new cold war\",\"datePublished\":\"2019-06-14T16:18:37+00:00\",\"dateModified\":\"2019-07-10T15:09:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2019\/06\/14\/paying-for-the-new-cold-war\/\"},\"wordCount\":604,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/newmoneyreview.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2019\/06\/14\/paying-for-the-new-cold-war\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/newmoneyreview.com\/wp-content\/uploads\/2019\/06\/berlin-wall.jpg\",\"keywords\":[\"blockchain\",\"China\",\"cold war\",\"facebook\",\"payments\",\"settlement\",\"Shamir Karkal\",\"Sila Money\",\"US\",\"USSR\"],\"articleSection\":[\"Featured\",\"Latest\",\"PAYMENT\",\"Uncategorized\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/newmoneyreview.com\/index.php\/2019\/06\/14\/paying-for-the-new-cold-war\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/newmoneyreview.com\/index.php\/2019\/06\/14\/paying-for-the-new-cold-war\/\",\"url\":\"https:\/\/newmoneyreview.com\/index.php\/2019\/06\/14\/paying-for-the-new-cold-war\/\",\"name\":\"Paying for the new cold war - 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