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Shaping the future of finance

The Finanser’s Week: 15th February – 21st February 2016

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Our main stories of this week includes …

The natural order of society is that the system dictates the system

Building on yesterday’s discussion of how Fintech firms will eventually become banks, I think a lot of people overlook the humanity in the network.  What I mean by this is that there is a natural biological function that takes place with innovation, and it reflects …

JP Morgan’s commitment to #blockchain

A friend of mine at JPM received an internal email the other day.  It was broadcast to all staff and, as it’s all about blockchain, thought I would share with y’all.  It goes like this … Innovative blockchain technology may provide links to improve client …

Eventually everything will become a bank

I just had an interesting discussion with a banking colleague who has been investing in start-ups.  He said that many of the firms begin with a belief that they will succeed because they are not a bank. A business strategy based upon attracting consumers by …

Banks bet Brexit brings Britain down

As David Cameron negotiates a new EU contract in Brussels today, the UK referendum on a Brexit takes place during the summer, with some saying as early as June 23rd.  There’s a YES campaign to stay in the Union and a NO campaign to get out., …

The best free research papers on #Fintech and #Blockchain

There’s been a large number of white papers produced recently about Fintech and Blockchain, so I decided to collate the most notable ones here.  All links are to file downloads and if I’ve missed any, please let me know. Bitcoin: A Peer-to-Peer Electronic Cash System (9 …

A Kaleidoscope of #Fintech [Infographic]

I don’t get to use the word Kaleidoscope often, so finding this excellent Infographic that includes me and a few friends, gives me the chance to throw it into the blog for a change.  After all, this Infographic provides a veritable Kaleidoscope of Fintech. As …


The past week’s major news headlines include …

The beginner's guide to a financial crisis - The Telegraph
The news is full of stories about plunging stock markets and financial panic. What's really going on?

Blythe Masters forges blockchain tie-ups - Financial Times
Digital Asset Holdings agrees alliances Accenture, PwC and Broadridge

New card allows users to use Amex anywhere - without paying surcharge - The Telegraph
The Curve card aims to bridge the behavioural leap from bank cards to mobile payment apps

Don't believe the hedge funds when it comes to business views on Brexit - The Telegraph
A stream of research papers from hedge funds on the UK's place in the European Union are all leaning in one direction - but it's worth understanding why

Banks behind quarter of peer-to-peer loans - Financial Times
Industry pours money into sites that cut out the traditional middleman

There will be another crisis. It's just a question of when - The Telegraph
All eyes are trained on the meeting of G20 finance ministers and central bank governors in Shanghai later this month

Mapped: Negative central bank interest rates now herald new danger for the world - The Telegraph
Sub-zero rates are becoming the "new abnormal" in a shaky world economy. With fresh panic hitting markets, are we finally hitting the limits of what monetary policy can achieve? Click on the countries to find out

HSBC will remain in London after board makes final decision on bank HQ - The Telegraph
Europe's biggest bank rules out a move to Asia after 20 directors agree to keep HSBC domiciled in the UK

Stress and the City: Britain's bank workers buckle under pressure - Reuters
LONDON (Reuters) - Dwindling job security, heavier workloads, regulatory upheaval and the poor public image of the banking sector are taking a toll on the mental health of Britain's bank workers.

Each generation should be better off than their parents? Think again - Guardian
From baby boomers through to generation X, the idea was that children would become better off than their parents. That dream is now dead – just ask generation rent Perpetual progress has been at the heart of western society for the past 150 years or more. The idea has been


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Chris M Skinner

Chris Skinner is best known as an independent commentator on the financial markets through his blog,, as author of the bestselling book Digital Bank, and Chair of the European networking forum the Financial Services Club. He has been voted one of the most influential people in banking by The Financial Brand (as well as one of the best blogs), a FinTech Titan (Next Bank), one of the Fintech Leaders you need to follow (City AM, Deluxe and Jax Finance), as well as one of the Top 40 most influential people in financial technology by the Wall Street Journal's Financial News. To learn more click here...

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