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Phil Cottis

Google Pay Teardown

FinTech will remember the day Google dropped their plans for the new Google Pay app for a long time. They’ll remember it as the day that…

6 min readNov 24, 2020

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Google Pay Teardown

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Phil Cottis

The Future of Finance is Open

Finance is in the midst of a true upheaval in the UK.

7 min readJun 5, 2020

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The Future of Finance is Open

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Phil Cottis

What has Open Banking done to financial services?

It cost a lot of money, upset a lot of bankers, and has hardly inspired a queue of users begging for more. Open Banking looked to throw the…

6 min readSep 16, 2019

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What has Open Banking done to financial services?

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Phil Cottis

The Platformification of financial services

Anyone who has an interest in business trends over the last decade or so will have spotted a number of new digital entrants achieve…

6 min readAug 21, 2019

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The Platformification of financial services

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Phil Cottis
in
DataDrivenInvestor

Revolut Joins the World of Trading

After a relatively long time in the FinTech world, Revolut has now launched its commission-free trading service, and there are a few…

7 min readAug 9, 2019

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Revolut Joins the World of Trading

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Phil Cottis

Facebook Coin… Good news or Bad news?

Hello Libra

8 min readJul 26, 2019

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Facebook Coin… Good news or Bad news?

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Phil Cottis

Open Wealth

These are heady times for financial services. We are in the midst of an Open Data revolution. Regulators and incumbents are getting…

4 min readApr 3, 2019

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Phil Cottis

Apple’s new credit card… what does it all mean?

Unless you’ve been living in a hole you’ll have noticed that Apple caused a pretty big splash last week in the world of finance when they…

4 min readApr 3, 2019

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Apple’s new credit card… what does it all mean?

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Phil Cottis

Phil Cottis

Financial related musings from the trenches of innovation. Digital Strategy Lead at Hargreaves Lansdown. Open Finance enthusiast. Views are my own

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