The Business of Neobanks Nov 2019

Over the last few years there has been a gradual unbundling of retail banks which is quickly gaining pace. Retail banks had become a bit too big an unwieldy, customers were increasingly unhappy with the poor service, bank profits were at record highs and increased government regulation provided high barriers to entry.

In the UK a number of current account providers have appeared and competing heavily to be the primary ‘checking’ account for individuals. These include the likes of Monzo, Revolut and Starling Bank. The general approach to these platforms is:

  • Mobile-first experience (onboarding, KYC)
  • Debit card
  • Multi-currency
  • ATM...

Using NLP for smarter web scraping Sep 2019

For several projects I’ve needed to extract specific words from a block of plaintext or extract certain words or types of phrases from different places on a web page. Web scraping works very well if the element is in the same place and same format on every webpage however scraping quickly falls apart when you’re trying to do anything more complex.

Below are a few techniques I have picked up from trying to overcome quality issues, without training an entire ML model or relying on high-degree of human input.

Example - Block of plaintext

This document...

The emergence of alternative investment platforms Sep 2019

The top-perfoming asset classes over the last decade have been alternative investments. These are assets such as fine wine and spirits, art and even classic cars. These investments have even outperformed the average hedge fund.

Alternative investments in 2018

Art, wine and collectible cars - better investments than the stock market - 2018

These markets have typically only been accessible by qualified investors (generally restricted to those with high net wealth).

Over the last few years there has been an emergence of online platforms which allow the average public individual to invest in...

Sentiment analysis and ASX stock price movements Aug 2019

After spending a some time using sentiment analysis in a professional advisory capacity, I wanted to explore a few personal ideas.

Sentiment analysis is often overlooked as a tool to understand large amounts of unstructured data quickly and determine signals and trends over a time period.

One such idea, was understanding if social data sentiment could be used as a leading indicactor of stock price of small cap companies. My background thinking was that small/micro caps do not have sufficient analyst coverage and minimal trading volumes therefore volume would be driven primarily by retail investors (i.e. not large funds and...

Setup your own personal website and domain in 2019 Jul 2019

So you want a personal website? A couple of friends have recently asked how to setup a personal website/CV and email address. This is how I would go about setting up a personal website in 2019.

Keep in mind this is the cheapest option and will require some technical knowledge (or a willingness to learn). I believe the technical knowledge is important as will give you an introduction to how the web works and opens the opportunity to tinker with a bit of code. If you want something simple and quick (and happy to pay) - go straight to