Chris Skinner's blog Shaping the future of finance

As someone who has set up a number of small businesses, there are three major tasks that I hate: Doing the accounts Tax returns Invoices As the business owner, all I want to do is my job, to have fun, to get on with creating …

Things we’re reading today include: It’s not the Bank of England’s job to save the world Britain’s largest investor blacklists AIG over climate risk concerns Mexican fintech Credijusto buys a ban Mexican fintech Credijusto buys a bank Bank branches: Form and function for the future …

I posted a joke the other day. The joke was that we had not ordered anything online yesterday, and our usual delivery guy called by today to check we were OK. The joke made me realise something. The realisation is that we really have pivoted …

Things we’re reading today include … Bitcoin price spike as first bank with regulated access opens in Gibraltar – crypto boost The UK economy could be transformed by a central bank digital currency The end of privacy? Central banks plan to launch digital coins Draghi …

I posted a joke the other day. The joke was that we had not ordered anything online yesterday, and our usual delivery guy called by today to check we were OK. The joke made me realise something. The realisation is that we really have pivoted …

Things we’re reading today include: Former Lloyds Bank boss Antonio Horta-Osorio who turned around its fortunes after 2008 financial crisis is knighted Green protesters should direct their anger at the Treasury, not the Bank  ‘Ethical’ bank forces thousands of customers online – saying it is …

This week’s main blogs include: Should banks have more technologists than Microsoft? I saw an interesting article about the Head of Technology at a major bank, let’s call it ABC Bank for the purposes of my column, and the article began by saying that this guy “commands …

I’ve grown up angry. Angry with the system, angry with the world, angry with the way things work, angry with me. Not great, huh? I need some anger management. I meet people who are laid back, who are relaxed, who are chilled. That’s not me. …

Things we’re reading today include … Global banking regulators call for toughest rules for cryptocurrencies Global banking regulator urges toughest capital rules for crypto UK banks to reveal exposure to climate crisis for first time The British Bank Awards Are Back: Meet the “Innovation of …

As we move from cash to cashless, turbo-charged by the pandemic, there is a fundamental challenge to ATM providers like NCR and Diebold Nixdorf. I had this view back in the 1990s. It’s just taken a quarter of a century to become a reality. In …

Things we’re reading today include: UK housing market is on fire, warns Bank of England chief economist BBVA, the only Spanish bank to join the World Economic Forum’s business leader alliance to combat climate change Bank of England must not become a tool of Extinction …

I saw an interesting article about the Head of Technology at a major bank, let’s call it ABC Bank for the purposes of my column, and the article began by saying that this guy “commands a budget of $10 billion and a team of 40,000 technologists.” $10 …

Things we’re reading today include … Why Europe’s banks want to end US dominance in payments Paris and Berlin lead fight to dilute Brussels’ stricter bank capital rules Bank payments are changing for millions – new fraud rules and how it works explained Why some …

Yet another day of reflections – too many of those lately – and thinking about generations. My parents were war parents, living through the Second World War; their parents were people growing up in Edwardian Britain as a carpenter and housewife. Things were different. I …

Things we’re reading today include … Digital currencies pose threat to economy, warns Bank of England Challenger bank Dave to go public through $4B SPAC deal ‘Home, hybrid, hub’ is the future for Lloyds Banking Group It’s Time To End Overdraft Fees (And Chase Bank …

When I was growing up, my parents drilled into me a number of key reasons to live: get a good job, build wealth, buy a house, get married and have kids. They also made it clear I should not cheat – should not cheat on …

Things we’re reading today include … Have we come to the end of the ‘fintech vs big bank’ culture war? Goldman Sachs Bank Dubs Cryptocurrency ‘Least Favorite Investment’ Meme madness: Bank of America stops covering GameStop UBS ramps up ‘Netflix’ of banking to tap into …

This week’s main blog updates include … What currency will you be using in 2121? Having watched the emergence of cryptocurrencies, digital currencies, blockchain and Distributed Ledger Technology (DLT) for a decade, I have made a firm view. Most of the people involved in this …

I grew up in a village, miles from the nearest town. I moved to a city in the north after university and then to London for work. I enjoyed my work and yearned to travel. Luckily, my work allowed me to travel. I’ve been to …

Things we’re reading today include … Swiss Bank Admits to Laundering over $36 Million in FIFA Bribes The bank manager may want to know your carbon audit Bank of England aims for net-zero emissions before 2050 First Pakistan Digital Bank Starts in June After Fund …

FinTech is reaching parts of the planet that could never be reached before. Actually, it’s not FinTech. It’s the network. By way of example, way back in 1995, I was asked if I seriously thought someone could make a payment from the top of Mount …

Things we’re reading today include: Banking: More Cost Than Benefit of Digitization? Climate change risks will affect U.S. bank capital in long-run – official Don’t divest dirty businesses, Deutsche Bank and BlackRock CEOs say Customers cut off from money as one in ten bank branches …

There are five main themes driving where we are today and tomorrow: digital transformation; inequality and inclusion; having a clear purpose; stakeholder capitalism; and digital transparency. The network is connecting us all. This is a digital revolution. We are breaking from the past centuries of …

Things we’re reading today include: This Bank Is Better at Customer Service Than Just About Anyone Else Is BBVA’s shutdown of Simple a bad sign for bank-fintech mergers? Deutsche Bank ‘confirms move to adopt hybrid working’ as work-from-home era fades Digital currencies are the future …

I grew up as a fan-boy of all things Marvel, and have been delighted with the way the Marvel Universe has panned out for next generations. In particular, Spider-Man has always been a highlight, and I regularly use one of the lines from these comic …

Things we’re reading today include … Saxo Bank becomes first bank to earn a Cloud Security Alliance (CSA) STAR Level 2 for its investment infrastructure as a service offering BNY Mellon Sets Up Crypto Unit in Ireland as Central Bank Says Bitcoin Is ‘of Great …

Having watched the emergence of cryptocurrencies, digital currencies, blockchain and Distributed Ledger Technology (DLT) for a decade, I have made a firm view. Most of the people involved in this space are deluded and naïve; most of the people involved in this space don’t understand …

Things we’re reading today include … Counting the personal cost: when axing bank branches doesn’t add up Banks block payments to crypto exchanges Fed Admonishes Deutsche Bank for Ongoing Compliance Failures Fed Warned Deutsche Bank Over Anti-Money-Laundering Backsliding Banking regulations to be reviewed after winding …