We are always reading, thinking and writing about finance and technology.


digital time machine



Why Estonia? FinTech in the Digital Time Machine

Dec 17, 2015 | Digital Transformation

Until recently citing Estonia as the location of your FinTech firm drew looks of puzzlement despite Nordic banks, NASDAQ, Microsoft, etc generating healthy profits here.

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 Estonian time machine has leapt years ahead….read more



Happy Clients, Profitable Banks: The Possibilities In Machine Learning

Sep 18, 2015 | Digital Transformation

It is always a pleasure to visit Denmark and with the battle on to become Nordic FinTech capital we were excited to present at Copenhagen FinTech Innovation and Research (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….
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At The Core of Financial Services: The Importance of Digital Core Systems

Aug 11, 2015 | Digital Transformation

At recent events we have been amazed by the reaction to the three simple words: core banking system.

For some start-ups it was a new concept. For others it conjured images of Cobol programming pensioners in a dusty basement. Three competitors privately admitted they had stopped investing in this segment.

Why then are we investing in, and growing, our solution Union.core?…. read more

Industry 4.0 and The Lessons For Banking

May 22, 2015 | Digital Transformation

Last week we were privileged to take a deep dive into Industry 4.0 – a.k.a The Internet of Things. For those not familiar with the concept, Industry 4.0 is the digitisation of industrial value chains and networks and regarded as the next industrial revolution…. read more

The Branch Lives, But The Future Is Digital

Jan 5, 2015 | Digital Transformation

Over the past 4 weeks Union has visited 4 countries across Europe, the latest being Italy. 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… read more