Tom

570 posts

Tom

Tom

@tgraham

Banking MD @ Accenture UK, and Accenture's Fintech Innovation Labs London Programme Director.

Katılım Nisan 2007
515 Takip Edilen301 Takipçiler
Tom
Tom@tgraham·
@dgwbirch Sorry Dave that’s rubbish.
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Dave "Someone you trust is one of us" Birch
I'm not the first person that has happened to I'm sure but anyway here's my public service announcement: if you are talking to someone and not using your phone, put it in your pocket don't leave it on the table. /END
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Tom
Tom@tgraham·
Is the logic chaining, purported ease, going to be the differentiator here vs the EU Open Banking based PFMs? I love the complaint use case; I’ve often thought there’s a data gap to systematically reverse engineer utility’s pricing models for consumers to haggle better deals.
Joshua Browder@Joshuabrowder

I decided to outsource my entire personal financial life to GPT-4 (via the @donotpay chat we are building). I gave AutoGPT access to my bank, financial statements, credit report, and email. Here’s how it’s going so far (+$217.85) and the strange ways it’s saving money. (1/n):

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Tom
Tom@tgraham·
@Rahul_J_Mathur We missed you this week Rahul - FIL interview days have been good fun! I hope well.
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Rahul Mathur
Rahul Mathur@Rahul_J_Mathur·
If you are happy - I am happy for you That's it - no Thread needed, no photos of me required, no shit posting I am most happy seeing many people I've worked with or interacted with (online) - make professional & personal progress BC - everyone operates on their own timeline
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Tom
Tom@tgraham·
@SAhistoryMatt @robmccann84 @GingerMotty didn't you spend your productive years doing this at sheffield !? The ^^ is a real record to be proud of, not wasting time on degrees
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Matt Graham
Matt Graham@SAhistoryMatt·
@robmccann84 Absolutely! I'll be in my 80s telling the youth they don't know how good they've got it in relation to Albion sides of bygone eras
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Matt Graham
Matt Graham@SAhistoryMatt·
According to this, it looks like I'm going to have to wait until 2079 for a sustained period of West Brom dominance. Small mercies to look forward to given the current state of the club
Jonny Sharples@JonnyGabriel

After almost nine and a half years, 5,903 matches in charge, three laptops, three houses, one T-Rex USB stick, and one very famous Croatian newgen, I've finally completed a century of seasons in Football Manager. Here are the major title winners of the last one hundred years.

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Simon Reid
Simon Reid@simonheathreid·
@tgraham That's already shaping up very nicely! Uncle Albert/Admiral Halsey Only Mama Knows Nineteen Eighty Five The Kiss of Venus The World Tonight I've Just Seen A Face We Can Work It Out Live and Let Die Ballroom Dancing Hand in Hand We All Stand Together The Back Seat of My Car
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Simon Reid
Simon Reid@simonheathreid·
@tgraham And he played it live that first time we all saw him! 🙂
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Simon Reid
Simon Reid@simonheathreid·
I can't really choose a favourite song but I've enjoying all the lists and stuff this week. This is close to my heart, as it was part of our wedding ceremony. 💕 youtu.be/qAlroNJsjzY
YouTube video
YouTube
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Janine Hirt
Janine Hirt@JanineJoyHirt·
The amazing, incredible, brilliant @InnFin team closing out a successful #IFGS2022!! So proud to be part of this team!!! ❤️❤️❤️
Janine Hirt tweet media
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Tom retweetledi
Holly Mackay
Holly Mackay@HollyAMackay·
I love this - Return On Hassle (ROH). It is such a key driver of consumer behaviour and one which institutions do not consider enough. Performance - price - hassle = value? Thank you for articulating.
Mitchell Baldridge@baldridgecpa

After advising hundreds of multi-millionaires, there's one thing they all have in common... They don't only think in terms of Return on Investment, but also consider RETURN ON HASSLE. Here's what that is, and how you can apply it to your wealth building strategy 🧵👇

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Robert Scott
Robert Scott@Randaminization·
@timkeyperson Hi Tim, had the baker Street sax solo in my head all day, any idea where I can get the comedy sketch where you learn to play the solo in exchange for you dying? Very funny! Ta
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Tom
Tom@tgraham·
@rayleee Fascinating, thanks for sharing.
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Ray Lee
Ray Lee@rayleee·
Why aren’t more big bike firms tracking their environmental impact? theguardian.com/environment/bi… - This is a really interesting read and Trek have done a great job with their report. Big take away - Electric cars don't help as much as you may think they do.
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Innovate Finance
Innovate Finance@InnFin·
Applications for FIL2022 London are open 🚀Gain unrivalled access to key decision makers at over 40 leading financial services institutions - equity free 💡Enable you to rapidly validate your product + much more! @FinTechLabLDN #FIL2022 Apply today: f6s.com/fintechinnovat…
Innovate Finance tweet media
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Rob Fernandes
Rob Fernandes@rob2775·
Side note: if you are a legacy credit card issuer with your cards in PayPal or ApplePay wallets right now you are playing with fire and just asking to be disintermediated in credit provision.
Rob Fernandes@rob2775

42% of @PayPal all time #BNPL vol was in just the last quarter. And by the looks of things it's only at c. 2% penetration in its merchants (650k/32m) + users (7m/403m). And yet it only just entered it's 5th country. It might be time to strap in!! 🚀

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Tom retweetledi
felix salmon
felix salmon@felixsalmon·
This is such an interesting chart. Music publishers pass through ~75% of revenues to songwriters, while record labels pass through ~15% of revenues to recording artists
Rex Woodbury@rex_woodbury

Spotify launched in the US 10 years ago this month. Here's my best take at how economics flow from a $9.99 monthly subscription. Three takeaways: 1) Spotify only keeps ~33%, 2) Artists and songwriters don't get much, 3) Music is really, really complicated.

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