Dave Tonge

@davidgtonge

Fintech | UX | Crypto | AI | Microservices | CTO at Momentum Financial Technology

Joined November 2011

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  1. Highlight of my day so far - "An app on traditional banking infrastructure is just lipstick on a pig" by

  2. 'Twas only a matter of time 'til an crowdfunding scandal emerged. It'll be interesting to see how the FCA responds.

  3. I think having a Payment Request API would be a big deal for the web:

  4. Stunning visualisation of world's biggest data breaches showing how it happened & bus impact

  5. "In 10 years time, most of your financial transactions will he handled by a tech company"

  6. AI, APIs, Blockchain & InsureTech - VC Panel's take on tech to watch at

  7. I'm completely sceptical of biometric auth and anything else that relies on proprietary algorithms unavailable for peer review.

  8. Mondo: "banking incidental to delightful intuitive experiences". Atom: "full service product bank"

  9. Banks start w/good intentions but convoluted decision making process and focus on cost/time rather than outcomes = failure

  10. "Start with customers NOT compliance."

  11. "Gap between board level enthusiasm and org-wide execution"

  12. Brand is culture, need to optimise the end to end process, front end is just 1 of the 8 layers of the stack

  13. the reason are successful is that their teams don't speak "banky"

  14. You can't "UX" an existing product, you need to be able to completely re-imagine it -

    • @Kroener_M

      Banking Entrepreneur

    • @jsjose1

      Passionate on Internet, helicopter tech and mountains, always learning. Engineer at BBVA and Teacher at San Pablo University. Opinions are my own.

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