Clear thinking on finance, technology and digital assets
Financial services is changing faster than most people have time to follow. Effortless New Way takes what is happening in FinTech, blockchain and cryptocurrency and explains it properly, in plain English, so you can decide for yourself what it means.
Four ways into the subject
Whether you have never bought a digital asset or you work in the industry, there is a sensible place to begin.
Crypto Simplified
A plain English guide to cryptocurrency, blockchain and digital assets. Start here if the terminology has ever put you off.
Read the guideThe weekly blog
Every week I pull together what actually mattered in crypto and explain why, along with longer pieces on the stories worth a second look.
See the latestMy crypto approach
How I personally think about holding for the long term and trading in the short term, including where the risks genuinely sit.
See the approachFinTech innovation
The firms solving real problems in financial services. What the problem is, how the solution works and why it matters.
Explore innovationFinance is changing faster than it is being explained
Tokenisation, stablecoins, instant settlement, digital asset custody. These are not fringe ideas any more. They are being built into the plumbing of the financial system, and the decisions being made now will shape how money moves for decades.
The problem is that most of the coverage sits at one of two extremes. Either it is written for specialists and assumes you already know the vocabulary, or it is written to excite you and skips the part where the risks are explained.
Effortless New Way sits in the middle. I write about what is changing, how it actually works and what it might mean, without asking you to arrive with a background in banking infrastructure.
What I try to do every time
- Explain the mechanism, not just the headline. Knowing that a price moved is not useful. Knowing why it moved is.
- Give both sides. Every opportunity in this sector comes with a risk attached. Leaving one out would not be honest.
- Define the jargon on first use. Where a technical term is genuinely needed, it gets explained rather than assumed.
- Connect it to the real world. What does this change for a business, a bank or someone sending money abroad?
- Leave you better equipped to disagree with me. The aim is your own informed view, not agreement with mine.
This Week in Crypto, every week
A weekly round-up of what moved, what was announced and what it might mean, published without fail and archived in full.
This Week in Crypto
Regulation, price moves, institutional adoption and the occasional bit of nonsense. Everything worth knowing from the past seven days, in one readable piece.
Read this week's edition Worth readingWhy do crypto prices swing so much?
Volatility is the first thing most people notice about this market and the least well explained. Here is what is actually driving it.
Read the article Worth readingQuantum computing and crypto
Is quantum computing a genuine threat to blockchain security, or a problem the industry has already started to solve? A measured look at both arguments.
Read the articlePaul Fosse
A financial services executive with more than 27 years spent building and transforming businesses, with a particular interest in where finance and technology meet.
- Established and led global banking, treasury, investment and custody businesses
- Commercial growth, operational transformation and governance across multiple jurisdictions
- Winner of the Digital Jersey Leadership Award
- Writes and speaks regularly on FinTech, digital assets and financial infrastructure
Written by someone who has had to make these decisions
I have spent my career on the operating side of financial services, setting up businesses, fixing ones that were not working and sitting in the rooms where the technology decisions get made. That background shapes how I write about this sector.
It means I am naturally sceptical of anything promising to change everything, and equally impatient with people who dismiss a genuine shift because it arrived with bad marketing attached. Most of the interesting territory is somewhere between those two positions.
Everything here is my own view, written in my own time, and is never investment advice.