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By Gabriel Wildau

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Transferwise is best known for its aggressive adverts bashing banks for over-charging customers to move money across borders. But even the most radical disruptors are sometimes forced to do a deal with the devil to achieve what they want.

So Transferwise had to team up with a traditional lender – in this case Raphaels Bank, one of the UK’s oldest private banks – to become the first fintech group to gain access to the country’s Faster Payments Service since the real-time payment system’s launch in 2008. Read more


Google’s biggest event of the year included the latest on its plans for virtual reality, artificial intelligence and messaging – key battlegrounds in the future of computing. Coverage here of the opening keynote at the annual developer conference and reaction as Google CEO Sundar Pichai took the stage. 

By Aliya Ram

Do you think you’re real? Do you think I’m real? Tell me, tin soldier, do you have a heart? As I rack my brains for questions to ask a robot that will probably one day take my job and befriend my child, a colleague tells me that Pepper is like a nine-year-old. You can ask it questions, he says, but you don’t want to freak it out. He means to defuse my excitement, but instead adds to it. A robot as smart as a nine-year-old? Woah. Read more

Apple Inc. Announces New iPhone And iPad Pro...Greg Joswiak, vice president of iPod, iPhone, and iOS product marketing for Apple Inc., announces the iPhone SE smartphone during an Apple event in Cupertino, California, U.S., on Monday, March 21, 2016. Apple Inc. Chief Executive Officer Tim Cook is expected to unveil a smaller iPhone Monday in attempt to woo those who are holding on to older versions. Photographer: David Paul Morris/Bloomberg *** Local Caption *** Greg Joswiak

Nearly nine years after it shook the communications and computing worlds, the iPhone is facing the prospect of first quarterly unit sales decline. 

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It is an aspect of cyber crime that is not written about often enough – the provision of services that allow criminals to carry out their attacks. Just as a gang needs a hide-out and a place to store their stash, online criminals need internet-connected servers on which they can keep their malware. Preferably servers that will not be taken down by law enforcement too quickly. Welcome to the world of bulletproof hosting, a growing underworld business niche. Read more

Ray Tomlinson, who sent the first email and came up with the standard use of the @ symbol, has died. The heads of Hearst Magazines and Walt Disney talk digital tactics. How to do a reverse image search on Google. #techFT is a daily newsletter on technology, media and telecoms. You can sign up hereRead more

A minor collision with a bus by a Google self-driving car was a scrape heard round the world. A robotic hand that can beat anyone at Rock, Paper, Scissors is posing an ethical dilemma in Japan. #techFT is a daily newsletter on technology, media and telecoms. You can sign up hereRead more

Apple retains coolest brand

Apple confirmed investor fears about the first-ever decline in sales of iPhone in the current quarter with the release of its December quarter results. In speaking to investors, chief executive Tim Cook tried to assuage concerns that the slide would be as precipitous as some analysts had suggested,. Tim Bradshaw, US technology correspondent, and Tom Braithwaite, Lex writer in San Francisco, track the reaction to the results, with Emiliya Mychasuk, US Online News Editor, riding along. 

Given the theme of this year’s World Economic Forum was the Fourth Industrial Revolution, it was natural that Silicon Valley’s tech entrepreneurs were publicly lionised as creative disrupters, writes John Thornhill.

But that didn’t stop some traditional companies, which are being disrupted, privately grumbling that the tech upstarts sometimes appeared to play by different rules. Read more

Automation and the disruption it will create is a big theme at the World Economic Forum this year; bitcoin’s blockchain ledger system could be adapted to improve everything from tax collection to the sharing of health records; the latest Sony Ultra Short Throw projector can offer unique visions. #techFT is a daily newsletter on technology, digital media and telecoms. You can sign up hereRead more

The PC had a bad 2015, but this year could be much better as businesses and consumers upgrade to Windows 10 and are attracted by new designs and features. #techFT is a daily newsletter on technology, digital media and telecoms. You can sign up hereRead more

Apple is exploring emotional connections with its latest acquisition, Samsung has increased profits, Kodak is reviving the Super 8 format. #techFT is a daily newsletter on technology, digital media and telecoms. You can sign up hereRead more

Apple is looking at person-to-person transfers for its payment service, Lenovo has reported a smaller loss than expected and it’s time for the Huawei Watch review. #techFT is a new daily newsletter on technology, digital media and telecoms from the Financial Times. You can sign up here Read more

638763b6-7819-11e5-a95a-27d368e1ddf7Welcome to #techFT, a new daily newsletter on technology, digital media and telecoms from the Financial Times that we’ve launched from the Web Summit in Dublin this week. Please send any feedback to and encourage friends and colleagues to sign up here . Also check out our Tech meets money Facebook page.

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Ten days can be a long time. There were the Ten Days that Shook the World in the Russian Revolution of 1917, the Ten Tragic Days during the Mexican Revolution of 1913, and: who can forget? The ten days where Kate Hudson tried to drive away Matthew McConaughey in the movie How to Lose a Guy in Ten Days.

Jack Dorsey has had an almost as eventful ten days, starting last Monday when he was appointed permanent chief executive of messaging platform Twitter, until this Wednesday, when his second start-up, Square, published its S1, confirming the payments company’s intention to go public. Read more

Apple is a company that thrives on surprises to promote its products. But it is actually a creature of habit, especially when it comes to launching its flagship device, the iPhone.

So when Apple deviates from the well-established patterns of years gone by, as it did on Monday, it stands out – raising questions from analysts about why. Read more

Twitter has had investors (and journalists) eagerly awaiting its appointment of a new chief executive for the two and a half months since Dick Costolo stepped down and co-founder and former chief exec Jack Dorsey took over as a caretaker leader.

Chris Sacca, an early Twitter investor who has long been the most outspoken shareholder on the company’s user growth troubles, is now calling for Dorsey to be made its permanent chief executive. Read more

There’s a saying among consumer electronics start-ups: hardware is hard. Unlike a software or internet company, hardware start-ups have to worry about manufacturing, distribution and inventory, as well as all the working capital worries that go along with them. Read more