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Shaping the future of finance

The Finanser’s Week: 25th November – 1st December 2019

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The main blog headlines are …

Are banks adapting in the right way?

I picked up a few innovative changes taking place this week within banks. In fact, I should point out that banks are not static beasts, as many claim. They are changing all the time, doing things all the time, adapting all the time. The question …

The real reason people don’t change banks

Interesting conversation about switching accounts. I’ve had a few people saying that banks don’t have loyal customers, but they have trapped customers. By way of example, an email from a friend: I am just exactly as loyal to my bank as they are to me, …

Crypto and banking are one and the same

People were surprised to see a headline that garnered much market shock: Markets Crash after reports that Binances Shangai Office Closed in Crypto Crackdown Argh. Crypto meltdown! I was amused to see a headline that garnered much online mirth: Markets Crash after reports that Binances …

How much tax is lost each year? #defi

Building on my discussion yesterday about offshore tax havens and decentralisation to avoid governance in both the physical and virtual world, there’s a more fundamental issue at large here. Tax avoidance. Some people hear the words “a tax” and interpret it as “attacks”. I heard …

Ana Botin of Santander on FinTech and Blockchain

Really interesting interview here with Ana Botin, Executive Chair of Santander, on Bloomberg. It starts with talking about how Santander can make a difference on climate change with Ana claiming that the bank is voted the most sustainable bank in the world. But when the …


And the top news headlines this week are …

RBS takes on Monzo with standalone digital bank Bó - Guardian
New banks aims to serve savers and travellers, but pays no interest and is not part of Bacs RBS has launched its own standalone, Monzo-style digital bank, and as is now customary, it comes with a quirky name: Bó. Royal Bank of Scotland reportedly approached Monzo with a potential takeover

It’s the end of the World Trade Organisation as we know it - Economist
And America feels fine

Revolut marketing boss says bank is not “untouchable” - AltFi
Revolut's marketing chief has admitted the digital bank is not "untouchable", despite saying that around one million new Revolut accounts have been opened across Europe in the last three to four months.

Major banks suffer five IT glitches a week, Which? finds - The Telegraph

Citigroup fined £44m by Bank over poor financial information - Guardian
Regulator says US bank’s oversight and governance ‘fell below expected standards’ The Bank of England has fined the US bank Citigroup a record £44m for submitting incomplete and inaccurate regulatory information to the Bank between 2014 and 2018. The Bank said Citigroup fell short of expected standards between 2014 and

‘Bank of Mum’ helped fund Prince Andrew’s £13m Swiss chalet - The Times
A friend of Prince Andrew with close knowledge of his finances has revealed that he turned to the “bank of Mum” to help buy a ski chalet for £13m in an elite Swiss resort.

NatWest's new digital bank Bó is here - This is Money
NatWest's new youth-focused digital bank Bó is finally here, complete with a bright yellow card - so how does it compare with Monzo and Starling?

Totally Sardonic Bank - The Register
TSB has again managed to capture the ire of thousands of customers after a technical glitch meant delays to payments into some accounts - just days after a damning report heavily criticised the bank for last year's IT meltdown.

HSBC’s top duo put futures on line with overhaul - Financial Times
Interim CEO Noel Quinn and CFO Ewen Stevenson know plan to streamline brings risks

Cryptoqueen: How this woman scammed the world, then vanished - BBC
How did Ruja Ignatova make $4bn selling her fake cryptocurrency to the world - and where did she go?


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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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