{"id":27245,"date":"2026-04-18T20:57:01","date_gmt":"2026-04-18T20:57:01","guid":{"rendered":"https:\/\/davidgerard.co.uk\/blockchain\/?p=27245"},"modified":"2026-04-18T20:59:05","modified_gmt":"2026-04-18T20:59:05","slug":"the-two-cows-of-fintech","status":"publish","type":"post","link":"https:\/\/davidgerard.co.uk\/blockchain\/2026\/04\/18\/the-two-cows-of-fintech\/","title":{"rendered":"The two cows of fintech"},"content":{"rendered":"

by <\/em>Teodor Kreczmar-Schuldorf<\/i><\/p>\n

The world of Fintech is such an incredibly dynamic place it is really hard for even a dedicated Fintech influencer to keep up. Let alone normal mortals working in bank IT departments, who can only stand in awe as AI, blockchain and crypto people solve key financial problems over and over again.<\/p>\n

Fortunately, you have two cows.<\/p>\n

Fintech conglomerate<\/strong> \u2014 You have two cows, you stop feeding them to improve cash flow and make sales work harder selling the milk they no longer produce.<\/p>\n

 <\/p>\n

\"\"<\/a><\/p>\n

 <\/p>\n

Gen AI<\/strong> \u2014 You sell your two cows and pay consultants to ask ChatGPT to imagine what a cow looks like and Claude to create a finger painting of what ChatGPT imagined.<\/p>\n

Enterprise Blockchain<\/strong> – you have a male goat and a ram and you use them to try to breed cows.<\/p>\n

 <\/p>\n

\"\"<\/a><\/p>\n

 <\/p>\n

Crypto<\/strong> \u2014 you create a story about two digital cows and sell their digital milk tokens (that can only be drunk by virtual people in the metaverse) for millions of dollars.<\/p>\n

Bank Innovation Lab<\/strong> \u2014 You hire two cows that spend all their time mooing loudly to cows at other innovation labs rather than produce milk.<\/p>\n

 <\/p>\n

\"\"<\/a><\/p>\n

 <\/p>\n

Hedge fund<\/strong> \u2014 you create two robotic cows that make friends with other cows and steal their milk.<\/p>\n

Successful startup<\/strong> \u2014 A bank has 500 cows. Two go to a new pasture with the source code.<\/p>\n

 <\/p>\n

\"\"<\/a><\/p>\n

 <\/p>\n

The obvious flaw in all these stories is that cows are not employed in Fintech, so they obviously have no connection to reality.<\/p>\n

\"Become<\/a>

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The world of Fintech is such an incredibly dynamic place it is really hard for even a dedicated Fintech influencer to keep up. Fortunately, you have two cows.<\/p>\n","protected":false},"author":2,"featured_media":27250,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[3515,74,3886],"class_list":["post-27245","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorised","tag-ai","tag-blockchain","tag-fintech"],"jetpack_featured_media_url":"https:\/\/davidgerard.co.uk\/blockchain\/wp-content\/uploads\/2026\/04\/enterprise-blockchain-cows-header.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/davidgerard.co.uk\/blockchain\/wp-json\/wp\/v2\/posts\/27245","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/davidgerard.co.uk\/blockchain\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/davidgerard.co.uk\/blockchain\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/davidgerard.co.uk\/blockchain\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/davidgerard.co.uk\/blockchain\/wp-json\/wp\/v2\/comments?post=27245"}],"version-history":[{"count":7,"href":"https:\/\/davidgerard.co.uk\/blockchain\/wp-json\/wp\/v2\/posts\/27245\/revisions"}],"predecessor-version":[{"id":27257,"href":"https:\/\/davidgerard.co.uk\/blockchain\/wp-json\/wp\/v2\/posts\/27245\/revisions\/27257"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/davidgerard.co.uk\/blockchain\/wp-json\/wp\/v2\/media\/27250"}],"wp:attachment":[{"href":"https:\/\/davidgerard.co.uk\/blockchain\/wp-json\/wp\/v2\/media?parent=27245"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/davidgerard.co.uk\/blockchain\/wp-json\/wp\/v2\/categories?post=27245"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/davidgerard.co.uk\/blockchain\/wp-json\/wp\/v2\/tags?post=27245"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}