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The FinTech Karaoke Challenge: Summertime

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I keep thinking I should give this up, but people keep encouraging me to continue so I will ... for the moment.

This week's challenge was given to me by Brian Caplen, Editor-in-Chief of The Banker magazine, a sister publication of The Financial Times and hugely serious and circumspect.

Therefore, I was surprised when Brian said I must sing Summertime. I immediately thought of Mungo Jerry but he went Ella Fitzgerald and sent me his lyrics. Due to time and focus, I edited his lyrics to my own version so here it is.

Summertime and the living isn't easy ...

Summertime from Chris Skinner on Vimeo.



And the markets are complex

Stocks are slumping

And the index is low

Your bank is rich

And your bank balance is ugly

But hush little user

Don’t you cry


For there’s an app

That will make you happy

It’s an app made just for you

It’s from a challenger

Focused on customer journeys

So hush little user don’t you cry


One of these mornings

Technology has changed it all

Banks buy the startups

And kiss the founders goodbye

There are now no platforms

That can harm you

So hush big banker don’t you cry


And just to pay full service to Brian, here's his version:


and the bankin’s not easy

Big tech’s a-jumpin

and the stocks are high


Oh your app has a glitch

It’s really not workin

hush little banker

Don’t you cry


One of these mornings

Your tech will rise up singing

You can close your branch

Your app will fly

But till that morning

There’s a mainframe can harm you

With Apple and Facebook standin by



and the fintech is easy

Funding is jumpin

They all can retire


Oh the app was a cinch

It’s really good lookin

So hush little crowdfund

Don’t you cry


One of these mornings

Both clients will be singin

Then you’ll sell to a bank

Kiss the beanbags goodbye

There’s no platform can harm you

Even with Apple and Facebook standin by

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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