Chris Skinner's blog

Shaping the future of finance

Is technology making our lives better or worse?

I had a debate around the enshittifying dialogue the other day. At dinner with an executive from a Big Tech firm, he said that our world is made better with technology, not worse. So, I asked him to give me five examples of how it makes our world better. Here’s what he came up with….

Is Crypto Snake Oil or Gold?

There are many who compare bitcoin to digital gold, and there are many others who claim that bitcoin is just snake oil selling and a waste of time. Who is right and who is wrong? I guess the first thing is to define snake oil. Snake oil is a term used to describe a scam….

My top 5 tips for fintechs and finance

I was interviewed the other day by Jason Hartman for Authority magazine for some top tips for fintechs and finance. Worth a read but it you cannot be bothered clicking, here is the interview! As part of my series about the “How to Navigate and Succeed in the Modern World of Finance”, I had the pleasure of…

Regulating intelligence

There are many questions about how we can regulate artificial intelligence, and these grow every day. With deep fake voices and faces, anybody could be convinced to give away their money, bank details or more. How do you regulate AI? To illustrate a basic form of AI, I asked Deepmind to create a video about…

3 out of 5 frauds come from Meta

Appearing in a Parliamentary session the other day, Woody Malouf, Revolut’s head of financial crime, said Meta platforms were “being used as a hotbed for scams” and estimated that 3 out of 5 scams are being generated by Facebook, Instagram and WhatsApp I’ve no idea about your experience but my experience is that anything I…

The Finanser’s Week: 12th February – 18th February 2024

This week’s main blog discussions include … How old banks are responding to challenger banks (research report) I got an interesting research report from Economist Impact the other day, commissioned by Temenos. Usually I ignore such emails and updates, but this one was interesting as it’s focused upon how traditional financial providers are competing with…

How old banks are responding to challenger banks (research report)

I got an interesting research report from Economist Impact the other day, commissioned by Temenos. Usually I ignore such emails and updates, but this one was interesting as it’s focused upon how traditional financial providers are competing with challengers like Monzo, Starling, Bunq and Chime. According to the study, “Challenging the challengers: Europe’s banks face…

Why Big Tech giants are enshittifying our lives

I’ve just finished a very long and fascinating read by Cory Doctorow in The Financial Times, talking about how the Big Tech giants have turned our world to shit. He calls it the enshittification process. The process runs in four stages: they claim platforms are good to their users: don’t be evil; making the world…

I love you, but how much?

It’s that day where we all share our love. Well, not all of us. According to stats, one in three Brits have no love. Awww, I’m sorry. Having said that, if you do have a partner, then what do you do today? It may be nothing – after all, money can’t buy me love –…

Is the future frightening or great?

My partner called me and said she was in trouble. She had just been to the bank and was overdrawn by $1,500. Could I send $4,000 quickly to stop the bank from freezing her account? Of course, I did … only to discover it wasn’t her. People are warning us that quantum computing, deepfake and…

Intelligent Money - Chris Skinner Keynote @ Pay 360 conference 2024

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Chris Skinner
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Gaping Void's Hugh MacLeod worked with the Finanser