innovation

1. 10 June 2026

   Access to financial advice: the FMA has questions for everyone except itself

   The FMA's access to advice report gets one important thing right. But a report that urges banks deeper into advice without acknowledging the risks, and that critiques sector conservatism without any a…

2. 9 May 2025

   My submission relating to the FMA’s access to advice review

   I recently made a submission to the FMA's access to advice review. The Financial Markets Conduct Act 2013 isn't just about regulating advice — it also includes a purpose to ensure the availability of…

3. 2 April 2023

   My crystal ball is on the fritz (#AI)

   I've always said my crystal ball broke sometime in my late teens or early twenties. But right now, that feels more true than usual. The emergence of AI has me genuinely uncertain about what comes next…

4. 18 September 2020

   Are you buying a seat on the merry-go-round, or building a new ride?

   Finance is important — it wins wars, and it helps allocate capital to where it's most valuable. There are two broad forms of investing: putting money into creating new capability (think Paypal, Tesla,…

5. 26 September 2017

   Just because you call yourself innovative, doesn’t mean you’re innovative

   Innovation doesn't need to be revolutionary or technological. When people think "innovation" they think iPhones — but iterative change counts, and so does doing things differently. I'm allergic to bus…