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All articles by Scott Bales

How Virtual Banking Licenses Benefit Consumers

February 21st 2020

Why do we need virtual banks? Is this just another barrage of buzzwords the banks are using in the hope of gaining some positive media coverage and a few speaking engagements? Or is there something of value in a virtual bank for consumers?

How Artificial Intelligence will shape 2020

February 16th 2020

AI or Artificial Intelligence has grown from a concept to hundreds of commercial deployments, Scott Bales looks at how AI will shape 2020.

How will IOT shape 2020

February 16th 2020

Internet of Things means smart devices everywhere, but how will IOT shape 2020?

Cloud Technology continues to grow, but where will it thrive in 2020

February 16th 2020

Cloud isn't new, and its impact around the world is only just starting. Scott Bales look at how Cloud will shape 2020.

Why Singapore's Virtual Bank Licenses Will Re-Shape Banking

February 16th 2020

The virtual bank licenses in Singapore are a vital step forward for the banking industry globally. Scott Bales looks at why these licenses are key to changes in banking.

What Impact will 5G have in 2020

February 16th 2020

We've been hearing about the coming of 5G for a few years now, but how will 5G shape 2020?

Can Blockchain become more than just Bitcoin in 2020

February 16th 2020

The underlying technology of Bitcoin is Blockchain, and in theory has amazing potential to transform entire industries. Futurist Scott Bales looks at where Blockchain is heading in 2020

Emerging Technology Trends to Watch in 2020

February 10th 2020

With hundreds of buzz words in technology, it's hard to know which technologies will shape industries. Here are my technology trends that will shape 2020.

The Innovative Culture Battle is Real

September 24th 2019

Change is imperative, yet many organizations’ transformation initiatives meet numerous setbacks, failures or delays. Conversely, those that succeed are eventually confronted with the reality that they are not advancing as desired. At best, these transformations put the organizations on par with newer and more agile rivals. As the pace of change accelerates, organizations must find strategies for enhancing growth. This creates the need to establish agility and digital capacities to effectively compete with other organizations in a hyper-competitive environment. 

5 Factors Driving Performance in 2019

March 19th 2019

Scott Bales is a global leader in the cutting edge arena known as “The Digital Shift”, encompassing innovation, culture, design, technology and mobility in a world gone digital. A thought leader through and through, Scott thrives on the intersection between cultural and behavioural changes in the face of technology innovations. In this video Scott details five global factors that have influenced industry performance in 2019.

Fintech's culture challenge

April 21st 2018

What happens when you transplant the DNA of Silicon Valley into financial services firms?

It’s quite a big leap for a traditional HR division.

The Proptech Opportunity

February 15th 2018

Property on the blockchain? Smart contracts and bitcoin-like management of decentralised property ownership is coming. And that's just the start.

Although consumer demand has driven the widespread adoption of online real estate listings, the mechanisms and processes of real estate have gone largely unchanged for decades - or longer.

That's all starting to change.

Financial Services; Curb the Fear and Innovate!

July 22nd 2016

Scott Bales is a leading tech innovator. This video-clip covers one of the ideas at the heart behind Scott's newest book Innovation Wars: Unlocking the Secrets of Corporate Innovation.

How do banks and financial services break through the 'fear barrier' to design innovative products and services... and survive?

New Book Innovation Wars. The Pre-Order Has Begun.

May 4th 2016

To respond to the ever growing demand amongst my clients, I'm launching my new book Innovation Wars, with the pre-orders starting on May 2nd. After the success of my previous book Mobile Ready, I've chosen to partner with Publishizer to build the support to produce an amazing innovation tool. You can pre-order the book here.

Creativity: Is Fear Holding Back Innovation?

December 8th 2015

An influential driver of innovation, Digital Strategist & Futurist Scott Bales poses some challenging questions to shine a light onto those problem areas that often block creative flow and progress.

It's Time To Leave The Building

May 19th 2015

Innovation is full of surprises, that might scare you.

Over the past decade I’ve seen my fair share of attempts at innovation. Everything from incremental enhancements, through to bold attempts at disruptive innovation. One thing stands true, innovation is full of surprises that NO company ever prepared for. And often, scares the c#$% out of them. The key to getting 'ideas' right is to make sure you really understand who you are innovating for by getting out amongst your consumers.

5 Steps To Real Innovation

April 28th 2014

One of the most abused words for the past few years is innovation. Ever since the likes of Apple or Netflix revolutionized their respective industries, you hear entrepreneurs telling themselves and others they also want to “innovate” and hopefully grow as large as these global brands. A good friend of mine recently borrowed Dan Ariely’s quote from Big Data to describe innovation:

Smartphone Etiquette

February 24th 2014

 In the ever-growing world of smartphones and smartphone users, one thing has become fairly clear: We all love our own phone, but we hate yours. A self indulgent view of life amongst mobile & social technologies.

Mobile life has become the norm, but it doesn’t mean we all have equal ideas about it.

The Ultimate Mobile Banking App!

February 3rd 2014

There is no doubt that strategies around mobile banking are in the top five priorities for any financial institution. Even with this focus, many bankers have a difficult time making the paradigm shift that is required to build a great mobile banking application.

Through the looking glass… 2014 predictions

January 24th 2014

2014 is upon us, a year that is already showing signs of being a devastatingly successful year for the transformation towards digital nativity… so what do I see the year bringing to the world of culture, behaviour and technology.

A Dummies Guide To Bitcoin

December 19th 2013

Bitcoin has been in the news a lot lately.

Involved in everything from space travel with Virgin Galactic, NFC with Nio Card and even Snoop Dogg‘s next record.

When is a Dollar a Dollar?

November 18th 2013

Scott is a visionary and banking innovator who, as Movenbank's Chief Mobile Officer is poised to disrupt the banking services industry with a mobile-centric offering unlike any other. In this fascinating piece Scott explores what our physical money actually means and how we can expect this to change in the not so distant future.

Some say that it makes the world go round, others call it the root of all evil. But what exactly is money? Why do we need it? And where did it come from?

Scott Bales

Scott Bales is a global futurist, innovation & digital strategist, serial entrepreneur, keynote speaker at TEDx and a best-selling author

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