Welcome to The Finanser by Chris Skinner. The Finanser discusses all things fintech, finance, banking, technology and, most importantly, the future. Chris Skinner has been voted the most influential technologist in Britain and received a lifetime achievement award for his visionary approach to the future of money from the Payments Association. He has advised the…
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For decades we’ve assumed that technology would make markets more efficient. It has. What we perhaps didn’t anticipate is that it would also make theft, lies and deceit dramatically more efficient. This is illustrated by three completely unrelated stories that caught my attention this week. One examined how consumers are abusing chargeback rules through “friendly…
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One person in seven has no access to formal financial services. One person in six lives with a disability. We normally think of these as two separate inclusion challenges. They are not. They are the same problem. Financial systems were designed around a single type of customer, leaving millions of others behind. For decades, financial…
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For centuries, we’ve designed the world for the able-bodied and called everyone else disabled. Today, technology is quietly rewriting those rules. It is making finance, communication, work and everyday life adapt to people, rather than forcing people to adapt to systems. Increasingly, I think disability tells us less about the individual than it does about…
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For decades, we’ve treated poverty as an economic problem. Increasingly, I think it’s a technology problem. That sounds like a strange statement until you realise that the single biggest driver of financial inclusion over the past fifty years has not been governments, charities or banks. It has been technology. Governments, banks and charities have spent…
Read More
One person in seven has no access to formal financial services. One person in six lives with a disability. We normally think of these as two separate inclusion challenges. They are not. They are the same problem. Financial systems were designed around a single type of customer, leaving millions of others behind. For decades, financial…
Read MoreFor centuries, we’ve designed the world for the able-bodied and called everyone else disabled. Today, technology is quietly rewriting those rules. It is making finance, communication, work and everyday life adapt to people, rather than forcing people to adapt to systems. Increasingly, I think disability tells us less about the individual than it does about…
Read More
I was recently interviewed for a podcast about Agentic AI in payments and finance. Here’s how the interview went: You’ve been writing and speaking about agentic commerce for a while. When did it click for you that this wasn’t just another tech buzzword. What was the moment you thought, “this one is real”? The answer…
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There are moments in technology when something shifts so fundamentally that the existing infrastructure suddenly looks like it belongs to another era. We saw it with the internet, when pages became platforms. We saw it with smartphones, when every business suddenly needed an app. Now we’re seeing it again as artificial intelligence moves from answering…
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I blogged in February that Stripe might buy PayPal. That prediction is now coming true after a reported $53 billion bid by Stripe, backed by private equity firm Advent International, to acquire the OG, and this is far more than just another fintech acquisition. If it succeeds, it would probably be the most significant deal…
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Every now and again I look at the week’s fintech headlines and realise they tell a much bigger story than anyone intended. This week was one of those weeks. One headline celebrated the UK cementing its position as Europe’s fintech powerhouse, with 24 unicorns collectively worth almost $160 billion. Another reported that PayEm, a fintech…
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Whilst most of the world is still debating whether AI should sit inside an app, Tencent – the Chinese Tech Titan – has quietly embedded an intelligent assistant inside one of the largest digital ecosystems on the planet. To appreciate why this matters, you first need to understand the scale of the platform. WeChat, known…
Read More
For years I thought cryptocurrency was a fascinating financial experiment. It challenged banks, questioned governments and forced regulators to think differently about money. What I hadn’t fully appreciated was that it wasn’t just disrupting finance. It was quietly becoming a force in politics and government, as I blogged the other day, and it’s now gone…
Read More
Yesterday, there were a few headlines that caught my attention as they are all related. The first two were about stablecoins and whether you can trust them: Bank of England and Financial Conduct Authority’s approach to joint regulation of systemic stablecoin issuers BIS report flags stablecoins’ flaws, dollarization risk For the past few years, the…
Read MoreOne person in seven has no access to formal financial services. One person in six lives with a disability. We normally think of these as two separate inclusion challenges. They are not. They are the same problem. Financial systems were designed around a single type of customer, leaving millions of others behind. For decades, financial…
Read MoreFor centuries, we’ve designed the world for the able-bodied and called everyone else disabled. Today, technology is quietly rewriting those rules. It is making finance, communication, work and everyday life adapt to people, rather than forcing people to adapt to systems. Increasingly, I think disability tells us less about the individual than it does about…
Read MoreFor decades, we’ve treated poverty as an economic problem. Increasingly, I think it’s a technology problem. That sounds like a strange statement until you realise that the single biggest driver of financial inclusion over the past fifty years has not been governments, charities or banks. It has been technology. Governments, banks and charities have spent…
Read MoreI was recently interviewed for a podcast about Agentic AI in payments and finance. Here’s how the interview went: You’ve been writing and speaking about agentic commerce for a while. When did it click for you that this wasn’t just another tech buzzword. What was the moment you thought, “this one is real”? The answer…
Read MoreI blogged in February that Stripe might buy PayPal. That prediction is now coming true after a reported $53 billion bid by Stripe, backed by private equity firm Advent International, to acquire the OG, and this is far more than just another fintech acquisition. If it succeeds, it would probably be the most significant deal…
Read More
We’ve been told that artificial intelligence is going to make banking faster, cheaper, safer and smarter. Now the people who regulate the financial system are starting to ask a different question. What if AI becomes the biggest systemic risk since the global financial crisis? That isn’t coming from technology sceptics. It’s coming from the Bank…
Read MoreWhilst most of the world is still debating whether AI should sit inside an app, Tencent – the Chinese Tech Titan – has quietly embedded an intelligent assistant inside one of the largest digital ecosystems on the planet. To appreciate why this matters, you first need to understand the scale of the platform. WeChat, known…
Read MoreFor years I thought cryptocurrency was a fascinating financial experiment. It challenged banks, questioned governments and forced regulators to think differently about money. What I hadn’t fully appreciated was that it wasn’t just disrupting finance. It was quietly becoming a force in politics and government, as I blogged the other day, and it’s now gone…
Read More
I noticed a post from Andreas Horn this week announcing that he was leaving IBM after eight years helping shape its AI strategy. It wasn’t a resignation post. It was a reflection on what he had learned, and his observations neatly capture where we are in the AI revolution. His biggest lesson was that almost…
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Power used to be easy to understand. Kings inherited it; governments exercised it; central banks controlled money; banks allocated capital; corporations built wealth. The lines between politics, finance and business were reasonably clear. Each institution had its own role; each exercised power in different ways. Those lines have blurred almost beyond recognition. Today, political influence…
Read MoreFor years I thought cryptocurrency was a fascinating financial experiment. It challenged banks, questioned governments and forced regulators to think differently about money. What I hadn’t fully appreciated was that it wasn’t just disrupting finance. It was quietly becoming a force in politics and government, as I blogged the other day, and it’s now gone…
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I find it fascinating that one of the most interesting debates about the future of money in Britain is no longer being driven by the Bank of England, the Treasury or economists. Instead, it has become a political issue, largely thanks to Nigel Farage (the man who received £5 million from a crypto donor). What…
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For years, Decentralised Finance (DeFi) has sold itself as the future of finance: transparent, decentralised, unstoppable. Now one of the most respected security figures in crypto is saying: get out whilst you still can. Manuel Aráoz, co-founder of OpenZeppelin, believes AI has fundamentally changed the security equation in decentralised finance but his latest warning is…
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Barclays Bank wrote an article with the core message that tokenisation is moving finance from a world of messaging and reconciliation to a world of programmable, instantly settled value, which will be the most significant change to money since the arrival of electronic banking. They argue that tokenisation is the next major stage in the…
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I’ve just launched another new book! After the successful launch of Intelligent Bank with Huawei a few weeks ago I had, in the meantime, developed another book: Diary of a Ponzi Scheme. The scheme is all about Clint who creates a “Token Fund”. Investing in digital currencies and real world asset tokens, he suckers friends, contacts and his network…
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For the last twenty years, I have had many arguments with crypto advocates about Liberterian versus State governance. Now, the crypto guys are the government. During those years, people worried that politics would be captured by Wall Street, Big Oil or Big Tech, but the emerging power bloc is crypto money and artificial intelligence. These…
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The European Central Bank just published a speech by Isabel Schnabel, Member of the Executive Board of the ECB and, underneath all the central banker language, is a pretty simple message: stablecoins are starting to look less like a crypto experiment and more like a new form of private money. More importantly, because stablecoins are…
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I spent the morning thinking about the bank of the future. It’s something I do every day. You could be simple and say that it’s embedded, invisible, everywhere, all the time. And that is true. But that is today’s bank, not tomorrows. I then have this debate about currencies. What currency do we believe in?…
Read MoreI was recently interviewed for a podcast about Agentic AI in payments and finance. Here’s how the interview went: You’ve been writing and speaking about agentic commerce for a while. When did it click for you that this wasn’t just another tech buzzword. What was the moment you thought, “this one is real”? The answer…
Read More
Why are we still talking about branch or not to branch? The debate about bank branches has become oddly polarised. One side argues that branches are an expensive relic of the twentieth century. The other insists they remain the heart of community banking. The reality, as always, is more nuanced. The future probably belongs to…
Read MoreWhilst most of the world is still debating whether AI should sit inside an app, Tencent – the Chinese Tech Titan – has quietly embedded an intelligent assistant inside one of the largest digital ecosystems on the planet. To appreciate why this matters, you first need to understand the scale of the platform. WeChat, known…
Read MoreFor years I thought cryptocurrency was a fascinating financial experiment. It challenged banks, questioned governments and forced regulators to think differently about money. What I hadn’t fully appreciated was that it wasn’t just disrupting finance. It was quietly becoming a force in politics and government, as I blogged the other day, and it’s now gone…
Read MoreI noticed a post from Andreas Horn this week announcing that he was leaving IBM after eight years helping shape its AI strategy. It wasn’t a resignation post. It was a reflection on what he had learned, and his observations neatly capture where we are in the AI revolution. His biggest lesson was that almost…
Read MoreYesterday, there were a few headlines that caught my attention as they are all related. The first two were about stablecoins and whether you can trust them: Bank of England and Financial Conduct Authority’s approach to joint regulation of systemic stablecoin issuers BIS report flags stablecoins’ flaws, dollarization risk For the past few years, the…
Read More
We are all worried about the threat of AI. AI will make humans redundant. AI will take all of our jobs. AI is an enemy. This always happens when technological innovation progresses humanity to a new level of thinking and working. In fact, every few years the world invents a new reason to panic about…
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One of the more interesting articles I read over the weekend wasn’t about artificial intelligence, stablecoins or digital banks. It was about something far more uncomfortable: regret. Specifically, the financial regrets people reach in their sixties. At first glance, the list looks predictable: people wish they had saved more, invested earlier, worried less about spending on…
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I was thinking about the companies I reference often as hot fintech start-ups and then realised that they are no longer start-ups. They are companies building the infrastructure, intelligence and operating systems that banks, businesses and consumers increasingly depend upon. Who are they? At the top of the league sits Stripe. Worth around $180 billion,…
Read MoreThings we’re reading today include … Adyen is coming for agentic payments. Can startups keep up? Stripe vet buys a bank for his fintech Cryptocurrency Trading Volumes Near Three-Year Low Lloyds reports first-half profit up 23%, outlines AI-driven cost-cutting plans Central banks slashed their gold purchases in early 2026 Increase in mortgage debt ‘doesn’t indicate…
Read MoreThings we’re reading today include … Deutsche’s investment bank profit jumps 59% on dealmaking boom UBS investment bank profit more than doubles on 53% equity trading surge Standard Chartered launches $1bn buyback as bank embraces AI UK charities hit after specialist bank shuts off online services 9fin employees cashed in as FinTech became unicorn Capital…
Read MoreThings we’re readng today include … Lloyds, Barclays and Halifax go DOWN with hundreds of customers ‘unable to make payments’ Denmark Readies Emergency Reserve Bank to Fight Cyberattacks Barclays investment bank jumps 32% on dealmaking and equity trading surge Why the Bank of England museum is a one-of-a-kind ‘Fintech is a threat’ to big banks…
Read MoreThings we’re reading today include … City gears up for a fight on bank tax under Burnham Swiss lawmakers eye UBS rules balancing stability and competition concerns Insurers could get a green light to acquire banks under proposed EU capital fix Why some emerging-market banks are moving faster on AI Bank treasurer survey by the…
Read MoreThis week’s main blog discussions include … Banks exist because trust doesn’t scale Some days, the financial news seems to have nothing whatsoever in common but yesterday there were four stories where I saw a link. The first is a US senator demanding answers from Barclays over Jes Staley’s relationship with Jeffrey Epstein. Then there…
Read MoreThings we’re reading today include … Why Are Major Banks Racing to Appoint Chief AI Officers? Why Europe’s banks stay home: Regulatory fragmentation and the cost of an incomplete banking union Commission outlines measures to strengthen Europe’s banking sector and support growth 17 African fintech companies make CNBC and Statista’s 2026 world’s top 500 fintech…
Read MoreThings we’re reading today include … UK fintech Revolut valuation soars to $115 bn US senator wants urgent answers from Barclays over Jes Staley’s ties to Jeffrey Epstein | Barclays UK banks increasingly restrict crypto payments, provoking cross-party inquiry Deutsche Bank headquarters raided for third time this year Wimbledon finalist loses her £31m fortune and…
Read MoreThings we’re reading today include … Trump made more than $1bn from crypto in first year back in office FIA sets up cryptocurrency investigation unit Fintech Funding Surges 23% In H1 2026 As Investors Concentrate Their Bets On AI And Financial Infrastructure ‘If you’re not AI-native, you’re not getting funded’: European fintech’s H1 funding figures…
Read MoreThis week’s main blog discussions include … Banks exist because trust doesn’t scale Some days, the financial news seems to have nothing whatsoever in common but yesterday there were four stories where I saw a link. The first is a US senator demanding answers from Barclays over Jes Staley’s relationship with Jeffrey Epstein. Then there…
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This week’s main blog discussions include … Pulp Finction arrives … and the reviews are in One of the things I have always struggled with is that most books about finance are either informative or entertaining. Very few manage to be both. That was the motivation behind writing Diary of a Ponzi Scheme. Rather than…
Read MoreThis week’s main blog discussions include … Crypto and Politico: One Step Beyond For years I thought cryptocurrency was a fascinating financial experiment. It challenged banks, questioned governments and forced regulators to think differently about money. What I hadn’t fully appreciated was that it wasn’t just disrupting finance. It was quietly becoming a force in…
Read MoreThis week’s main blog discussions include … Who are the top fintech firms of 2026? I was thinking about the companies I reference often as hot fintech start-ups and then realised that they are no longer start-ups. They are companies building the infrastructure, intelligence and operating systems that banks, businesses and consumers increasingly depend upon….
Read MoreThis week’s main blog discussions include … How technology has integrated politics and power There are moments when an unexpected event reveals more about the world than years of official speeches and carefully crafted reports. The recent leak of Peter Thiel’s invitation-only network, Dialog, feels like one of those moments. This is not because it…
Read MoreThis week’s main blog discussions include … Why are people scared of AI? Almost every innovation is met by people who believe it will destroy our ability to earn a living. The Luddites feared mechanisation. Clerks feared computers. Bank managers feared the internet. Taxi drivers feared ride-sharing apps. Retailers feared ecommerce. And now everyone fears…
Read MoreThis week’s main blog discussions include … Diary of a Ponzi Scheme and it’s all about tokenisation I’ve just launched another new book! After the successful launch of Intelligent Bank with Huawei a few weeks ago I had, in the meantime, developed another book: Diary of a Ponzi Scheme. The scheme is all about Clint who creates a “Token…
Read MoreThis week’s main blog discussions include … Monzo, Revolut and Starling: the quiet emergence of Britain’s Banking Champions For years, the conversation around digital banks focused on whether they could survive. Today, the question is very different: what are they becoming? The latest results from Monzo, Revolut and Starling reveal something remarkable. These institutions are…
Read MoreThis week’s main blog discussions include … “Intelligent Bank” is officially launched I spent last week in China with Huawei. It was fantastic and, finally, it gave me the chance to announce and release my new book Intelligent Bank. Regular blog readers will know that I’ve been talking about this as the third fintech revolution but I…
Read MoreThis week’s main blog discussions include … What banks are doing with AI The funny thing about AI in banking is that the headlines are completely wrong. Every week there’s another breathless prediction claiming that AI will “replace banks”, “eliminate core systems” or “create autonomous financial institutions”. Reading these articles, you would think that we…
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