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About emsemporium

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  1. emsemporium

    Possible update

    It's very nicely summed up here, from 0.06 to 0.23 https://www.youtube.com/watch?v=GiPe1OiKQuk
  2. FYI: https://finance.knect365.com/finovateeurope/speakers/dan-morgan
  3. Very soon, sven, is just like the proverbial piece of string: it's as long or as short as you want it to be. Me, I know nothing - ... other than I have the patience that you, sadly, seem to lack.
  4. emsemporium

    Coinbase considering everything but XRP

    There is a logic to this argument that is worthy of Mr Spock himself. Live long and prosper.
  5. This is old news, I appreciate, but I'm posting it in response to your observation. The final paragraph seems to indicate that rails are being laid for more than one train to travel on: https://www.bankofengland.co.uk/-/media/boe/files/fintech/ripple Mark Carney is no fool. It's unfortunate that his tenure at the Bank of England happens to coincide with a government which is obsessed with this Brexit farce above all else.
  6. https://www.bankofengland.co.uk/-/media/boe/files/speech/2018/new-economy-new-finance-new-bank-speech-by-mark-carney.pdf?la=en&hash=F362C661810257FE779E3D5BCA17144EC65E8C63 Apologies if this has already been posted elsewhere, but pages 5 and 6 of Mark Carney's Mansion House speech may be of particular interest to you.
  7. I agree with you wholeheartedly, Take 2. Rightly or wrongly, it is not what customers want these days so much as what they have come to expect, namely convenience. And convenience - allied with speed, low cost, ease of use - is hard to resist. It always has been (from lawn mowers to Skype calls to drive-through fast-food outlets). A convenience store is not called a convenience store for nothing. It simply reflects the day and age in which we live. "Adapt or die" is surely a maxim whose time has - finally - come for banks, large and small alike.
  8. emsemporium

    xRapid: Ripple's Strongest Weapon

    It seems a pretty reasonable approach for banks to take before investing in xRapid. "Test and try before you buy" while the regulators get their collective act together.
  9. If it is, it's oblique. Santander's philosophy seems to chime perfectly with Brad Garlinghouse's: crawl, walk, run. This article simply reiterates what we already know of Santander. Ana Botín is ahead of the curve. Santander wants to roll out xCurrent first, and then upgrade to xRapid once it becomes self-evident that the enhanced technology will pay for itself. The international shysters who profit from deliberately dragging their feet - by keeping your money in their accounts for seven days, gaining interest - have been found out. http://responsible-capitalism.org/2016/01/2015/ It strikes me that trying to hold back this "growing expectation from consumers" is going to be as futile as the apocryphal tale of King Cnut's attempt to hold back the waves. And waves, of course, start off as ripples. There will be some choppy seas ahead, but the fundamentals have not changed. You cannot defy gravity and a following wind. HODL.
  10. Eso es, Amigo. To stay with your fishing analogy for a minute, Ripple understand the need for patience (which is more than can be said for a good number of contributors to this site). They are happy to throw in a sprat (xCurrent) to catch a mackerel (xRapid) Here's a video of Brad Garlinghouse and his team taking the initiative: Meanwhile, SWIFT are still trying to figure out which bait to use...
  11. This is a terrific read, Hodor. Thanks a lot!