Chris Skinner's blog

Shaping the future of finance

The Finanser’s Week: 13th May – 19th May 2019

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The main blog headlines are …

Five phases of FinTech (2005-2027)

Three years ago, I blogged about three phases of FinTech. Three years later, I can expand on that theme and talk about five phases of FinTech. The five phases of FinTech are (dates are rough guide): Disruption (2005-2014) Discussion (2014-2017) Partnership (2017-2022) Integration (2022-2027) Renewal …

Lessons from leaders: Satya Nadella, CEO, Microsoft

Twenty years ago, I was doing a lot of work on business transformation and business process re-engineering (BPR). Most of the firms didn’t do transformation and viewed it as too risky. Instead they went for BPR for BPI … business process improvements. Incremental benefits rather …

Banking for Humanity?

I was asked to speak to the theme of Banking for Humanity at a conference the other day, and it made me realise that the five areas I’ve recently been blogging about came together nicely. First, there’s financial inclusion which is the theme of Digital …

Does your bank look like this?

Henry Ford famously stated: “If I had asked people what they wanted, they would have said faster horses.” Of course they would, as they had no idea what anything else was. In fact, I use this story often as a Victorian vision of the future …

GrandTech: the newest FinTech market niche

Watching the BBC, I often see reports on the elderly being ripped off, scammed and targeted by fraudsters. Here’s just a few recent ones: Hidden ‘shame’ of elderly scam victims – BBC News Reports of frauds on the elderly are ‘tip of iceberg’ – BBC …


And the top news headlines this week are …

A false rumor on WhatsApp started a run on a London bank - Business Insider
Dozens of people demanded their cash and jewelry back from Metro Bank in northwest London on Saturday after reading false rumors on WhatsApp that the bank was going under.

Mel Gibson says new film 'Rothchild' is not about Jewish banking dynasty - The Telegraph

A WhatsApp Rumor Challenges Metro Bank - Bloomberg
It was only a matter of time before confidence in the financial system would be tested by false information on social media. Britain may be getting a glimpse of what could spark the next run on a bank.

Bank of England warned criminal charge could destabilise Barclays - Financial Times
The Bank of England warned prosecutors that a criminal charge against Barclays could present an existential threat to the lender, showing that regulators still worry about large banks being “too big to jail”.

Fintech challengers lose to 18th-century lender - Financial Times
Banking body awards funds to oldest mutual savings and mortgage provider Nationwide

'You can’t really win': 4m Britons in poverty despite having jobs - Guardian
Unemployment is at its lowest since the 70s but some workers struggle to make ends meet “I’m a bit scatty with things like this,” Gemma admits when talking about her finances. It was not scattiness that meant she struggled to make ends meet when taking home £399.69 a month for

Metro Bank's attempts to carry on as normal are getting ridiculous - Guardian
With the bank’s value plunging, fundraising looks tricky and the board’s position ever shakier Metro Bank says its £350m fundraising is “well advanced” , which is not the same thing as being finalised, priced and ready to go. Indeed, the bank’s advisers have a slippery job on their hands given

Metro Bank shares plunge as it attacks 'false rumours' - The Guardian
Customers queue to access safety deposit boxes as lender reassures them property is safe Metro Bank shares hit a new low on Monday despite efforts to shut down social media rumours questioning the lender’s financial health. The bank has been briefing staff on how to reassure customers that their money

Atom Bank seeks £50m after Brexit derails BBVA bid - Sky News
The digital lender has kicked off talks with investors ahead of a plan to list its shares in 2022, Sky News understands.

How Mifid II hurts European investment banking - Financial Times
The EU’s financial rules are an act of regulatory self-harm


Chris Skinner Author Avatar

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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