Christer Holloman is a serial entrepreneur, best-selling author and popular speaker on the future of business. He is also the founder of Divido, a software platform used by banks globally, such as HSBC, BNP and ING. His company is backed by many of the same investors as the fintech unicorns Revolut, Wise and iZettle, including Mastercard and American Express.

Prior to his start-up career Holloman worked for the British newspaper The Times where he made a name for himself by being able to explain in an engaging and entertaining way how successful businesses adopt new technologies to defend and grow market share. Other books he has authored include How to Sell Online and The Social Media MBA series also published by Wiley, which has sold over 10,000 copies and been translated into multiple languages.

Holloman is also the Chairman of Fintech Finishers, set up to raise awareness, inspire action and introduce accountability for more diversity, inclusion and equality in the fintech industry. They do this by inviting peers to challenge each other to complete endurance races around the world, such as the Ironman in Hawaii, whilst raising money for charity.

Holloman holds an MBA from the University of Oxford.

For more information and to discuss speaking engagements, please visit: [...]

Foreword xi

Introduction xv

Part i: Buy 1

Invest

Chapter 1: Lloyds Banking Group 3

Chapter 2: BBVA 19

Acquire

Chapter 3: Metro 33

Chapter 4: J.P. Morgan 48

Part ii: Build 61

Incubate in-house

Chapter 5: Crédit Agricole 63

Chapter 6: National Australia Bank 77

Build in-house

Chapter 7: Citi 93

Chapter 8: Bank of America 107

Spin out

Chapter 9: ING 120

Chapter 10: Santander 133

Part iii: Partner145

Fintechs and startups

Chapter 11: Deutsche Bank 147

Chapter 12: Danske Bank 161

Banks and other corporates

Chapter 13: Swedbank 175

Chapter 14: Standard Chartered 190

Part iv: Bonus: Ways of Working 205

Chapter 15: N26 207

Chapter 16: Royal Bank of Canada 222

Index 235