Chris Skinner's blog

Shaping the future of finance

Welcome to The Finanser by Chris Skinner

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Welcome to The Finanser by Chris Skinner. The Finanser discusses all things fintech, finance, banking, technology and, most importantly, the future.

To make an enquiry about having Chris write or speak for you, here's an illustration of his presentations ...

... Chris Skinner has regularly forecast the changes in finance driven by technology. He is one of the first to use the phrases Digital Banking and Banking-as-a-Service, and is known as an independent commentator on the financial markets and fintech through this blog and as author of the bestselling book Digital Bank (2014), and its sequels ValueWeb (2016), Digital Human (2018), Doing Digital (2020) and the latest book Digital for Good (2022).

Described by Seth Wheeler, Brookings Guest Scholar and Former Special Assistant to the Barack Obama for Economic Policy at the White House, as “one of the most authoritative voices on Fintech anywhere”, Chris has previously written many books covering everything from European regulations in banking through the credit crisis to the future of banking.

In his day job, he is Chair of the Nordic Future Innovation, as well as being a Non-Executive Director of the Fintech consultancy firm 11:FS, and on the advisory boards of various firms including Moven and Meniga.

He has been voted:

    Mr. Skinner has been an advisor to the White House, the World Bank and the World Economic Forum.

    He has previously written many books covering everything from European regulations in banking through the credit crisis to the future of banking to the series of childrens books about Captain Cake and the Candy Crew (

    If you have any commentary you wish to add to The Finanser, then send your views via the comments section on the relevant blog entry or just email Chris direct.


    Keynote at the Polish Bankers Conference, 2020, Warsaw.

    Presentation at ZBP, September 2020, Warsaw, Poland from Chris Skinner on Vimeo.

    TEDx presentation 2019, Greece.

    Keynote at Payments NZ 2018, Auckland.

    Keynote at The Next Web 2017, Amsterdam.

    Keynote at the European Central Bank 2017, Rome.

    Keynote at USI 2015, Paris.

    Keynote at Dreamforce 2014, San Francisco.

    Speaking at Finance 2.0 in Zurich, 2014.

    And here are the slides:

    Speaking at Cards & Payments 2013 in Singapore on the Future of Money:

    Next Bank Europe 2012 on how the mobile internet is changing retail banking:

    Chris Skinner says Mobile Is Rubbish at #NBE12 from NextBank on Vimeo.


    Chris appears regularly on BBC, Sky News and Bloomberg TV talking about the latest issues in banking.


    Chris has received many accreditations as a keynote speaker, writer and blogger.  Here are just a few examples.

    The Finanser Blog which Chris writes daily, was recently given an Editor's and Reader's Choice Award by the Financial Brand.  In making the award Jeffry Pilcher, who edits the Financial Brand, said: For a regular stream of thought-provoking essays, this blog is one of the bestwhilst the website's readers comments included:

      Other comments on his presentations and blogging include:

      "One of the most visionary and grounded public commentators on the future of financial services in the digital world that I have come across."

      Jeremy Wilson, Vice Chairman, Corporate Banking

      Just a quick note to say thanks again for a truly terrific presentation at our SAP Banking Summit event here in The Hague. The event was overall a great success and your participation was really one of the highlights of the entire three days.

      Don Trotta, Global Head of Financial Services Industry Solutions, SAP

      “The Bloomberg TV team is very grateful to have had such an insightful guest in such critical times.”

       Marta Marino, Bloomberg Television

      “You are frankly the smartest guy I know in banking.”

      David Desharnais, CMO & SVP Product Management, Traxpay

      Chris is an accomplished speaker and facilitator with broad international experience. He's known for his quirky take on life, his sharp wit, and his deep knowledge of the players in the EU banking space. Chris knows how to entertain and educate at the same time ... I am constantly in awe of the amount of content he produces at a consistent quality through his blog.

      Brett King, Author of Bank 2.0

      “Just a quick note to thank you for your contribution in the last 2 days. I know this is your ‘day job’ as  you call it, but nevertheless, it’s not easy to moderate a 90 minute discussion on Risk and follow it up with one on Regulation.  As for your presentation...well...that was a REAL eye-opener. I loved the way you referred to the guy who was idiotic enough to have the same passwords for his accounts. I glanced around the room at that point and saw some quite startled faces.  Top presentation.”

      Bradley Lonnen, Vice President, Market Management, Deutsche Bank AG

      “What a great speech! Thank you so much for coming to our business lunch yesterday and delivering such an excellent oration.  I have heard nothing but praise from the Liverymen, Freemen and their guests whoe were there.”

       Jonathan Soar, Master of the Worshipful Company of Information Technologists

      “Can I just start by SINGING my praises for Mr. Skinner.  What a lovely, down-to-earth, intelligent (insert ALL adjectives that apply here) person.  When I say it was a pleasure and an honor to meet such a great guy, I mean every word.  He was the highlight of the Summit.” 

      Renaid Abdallah, Organiser, FT Summit Dubai

      On behalf of all of us at the ACT thank you very much for being our keynote lunchtime speaker. As discussed I thought you successfully provoked the audience into thinking carefully about the state of their banking relationships.

      Colin Tyler, Chief Executive, the Association of Corporate Treasurers

      I just wanted to thank you again for coming over and doing the Futurist session for ISITC.  It was very well received.  In fact, in my post-event Marketing Committee meeting on Tuesday morning, it was unanimously agreed that your session was one of the highlights of the event.

      Kevin Cullen, Board Member, the International Securities Association for Institutional Trade Communication (ISITC)

      “You do an amazing job with your blog. Fantastic commitment and a great service.”

      Jonathan Hey, Head of User Experience, Nutmeg

      “Your conversational style and very clear writing is very refreshing … I would love to have you write for us again. Your attitude and approach is something our newsletter needs.”

      Paula Park, Editor, Financial Regulation, Bloomberg

      “You are a versatile commentator who could easily transfer into another finance/economy debate… a topic which comes around time and again - and we don’t want to risk throwing away a valuable voice like yours.”

      Cara O'Doherty, BBC 

      “Thank you very much once again for your participation yesterday. Several people commented to me that your moderation style really helped bring the best out of the panelists and from what I saw I’d be inclined to agree with them.  I think the moderation role is underrated by some people – it can be the difference between a great session and an average one. I will certainly add you to our list of preferred moderators here.”

      Dr Neema Parvini, Senior Conference Producer, Incisive Media (Waters)

      Chris Skinner is switched on, insightful, concise and keeps his finger firmly on the financial sector pulse.  An opinion leader, not a follower.”

      Robert Hokin, Chief Executive, ecoConnect CIC

      “For those who are unaware of Chris' tireless work in the Financial Sector then I am glad to be able to thoroughly endorse him as a person who has both the intellectual acumen as well as the drive and dedication to his industry which is so sadly rare in the business world today.” 

      Steve Edwards MBE, Head of Fraud for eBay Europe 

       The audience couldn't stop raving about your presentation. You know you could be live at the O2 and get a full house! 

      Bikash Mathur, Partner and Head of Europe, Polaris Software Labs

      “I’ve known Chris for a long time now, well over 10 years, and I always look forward to hearing what he says. He speaks knowledgably about a wide range of topics, from social media to payments to MiFID, and is rightly an in demand speaker and chairman at conferences. He has a knack for generating pasionate debate and discussion. As a result, he’s also extremely well connected in the banking sector, and few people in the industry don’t know Chris. I’ve worked with Chris in all sorts of ways and if nothing else his sense of humour makes him a pleasure to work with!” 

      Gareth Lodge, Senior Analyst, Celent

      “Chris is a breath of fresh air. He continues to push the status quo thinking and adds value in looking at financial services through different and new perspectives.” 

      Kevin Harris, Executive Director, SaskTel

      “Over the many years we have worked with Chris Skinner, we have found him to have both a multi-dimensional understanding of the financial services business, as well as unique insights into what the future holds for our industry. Most of all, he is uniquely skilled in articulately painting a clear picture of the dynamics impacting our future to help other financial services executives see what's ahead for them.”

      Deborah L. Bianucci, President & Chief Executive Officer, BAI

      “Chris is actually a sage. Not only is he a wise, perceptive and funny, he is also excellent at identifying and explaining the key drivers of change in the Financial Services industry. His work and that of the forward looking Financial Services around the impact of Information Technology, Web 2.0 and client expectations of what Financial Services should be delivering to its clients, is superb. Chris is erudite and witty as a Chairman and informative and challenging as a speaker. You can see why he is in demand around the world.” 

      Mark Outhwaite, Anti-Money Laundering Consultant & Compliance Adviser, OHL Consulting LLP

      Chris has always impressed me with his forward-looking perspectives on the global catalysts for change in the highly-commoditized retail banking industry. Chris can always be counted on to provide a controversial, yet highly-relevant dialogue on potential sources of future disruption.”

      Steven D. Audino, Executive Director, USAA

      "His series of blog posts prove again and again that he is a guy with a real passion for improving financial services, with an inventive approach who can be relied upon to deliver. Chris' expertise comes from a genuine interest and concern for the industry."

      Andrew Carrier, Sales and Marketing Director, Cognito Analytics

      “Chris is perhaps the first writer I know who successfully captures the pulse of the financial services industry not from a European or American, but from a truly global perspective. I sensed the same energy, reading it in Singapore and Beijing.”

      Emmanuel Daniel, Founder and Editor-in-Chief, the Asian Banker

      “Chris takes a serious subject and makes you laugh, think and worry at the same time. A provocative book about an industry being transformed in the age of the Internet.”

      Leonard H. Schrank, former Chief Executive Officer, SWIFT

      “Chris needs no recommendation, but here is a full-hearted one anyway! I have worked with Chris on marketing activities since 1992 and have always found him to be informed, incisive and often contentious in his analysis of the issues facing organisations today across the financial services and other sectors.”

      Kerry Chapman, Marketing Manager, Tata Consultancy Services

      “Chris has that rare ability to truly understand the social and business context as well as the potential technology solutions. In the finance sector this is absolutely essential, but sadly lacking in so many of Chris's peer group.”

      Ian McDonald Wood, Trustee, the Strategic Planning Society

      “Chris is a familiar face and voice in the UK and European banking market and being a prolific blogger on the banking and finance markets needs little introduction. His views are always of interest and are often stated to provoke broader debate. He is an excellent, intelliegent speaker and has been used by my company as a facilitator to good and useful effect.” 

      Roy McPherson, Banking Consultant, Gresham Computing

      “Chris spoke at a recent Cambridge100 Club Dinner about the next big developments in technology and what these will mean to business. This was a remarkable talk - insightful, compelling and informative. Chris is a visionary and futurologist with a real command of the factors which shape our future.”

      Dermot Hill, Chairman, Cambridge 100 Club

      “Chris is a visionary, committed and highly knowledgeable about tomorrow’s trends. I’d thoroughly recommend him as a great speaker on the future particularly in what’s coming over the horizon in Financial Services and Technology.”

      Michael Jackson, former Chief Executive, Birmingham Midshires Building Society

      “Chris did a fantastic visionary presentation for me in our ‘Compliance as a Competitive Weapon’ seminar. He thinks outside the box and consistently delivers thought provoking arguments.”

      Tony Ferguson, Director, UniRisX

      "Thanks ever so much for your excellent kick-off of this year’s Management Conference. The feedback for the attendees was uniformly very positive. Your remarks exceeded our goal of 'telling them something they didn’t know'. Come back and see us again!"

      John P. Biestman, Director, Federal Home Loan Bank of Seattle

      Thanks again for Chris Skinner’s “keynote address at our conference. I’m just reviewing the evaluations and he was certainly a hit. Comments included: ‘Chris Skinner – WOW’; ‘Chris Skinner – you saved the best to the last’; ‘Chris was an excellent speaker and very thought provoking’; ‘Chris’ presentation was exceptional’.”

      Anne Marie MacNeil, Deposit Specialist, SaskCentral

      “I have worked with Chris over many years. His energy, drive and enthusiasm for innovation and change have impressed me greatly. His insights into financial services and his contriubution to this industry will continue to pay dividends over many years.”

      Bill Wright, Owner & CEO Brand Intellect

      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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      About Chris Skinner

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      Chris Skinner’s ‘Digital For Good’ Book Launch Event – CFTE

      Top 50 Global Thought Leaders and Influencers on FinTech 2023

      Chris Skinner
      Commentator, CEO of The Finanser and best-selling author at The Finanser

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      Global Awards

      Lifetime Achievement Award

      Global 100 - 2024 Winner

      Chris Skinner - Financial Markets Advisor of the Year - The Finanser - UK 2023

      Best Financial Markets Advisor of the Year 2023

      30 Best Regtech Blogs and Websites 2023

      Kids creating the future bank | TEDxAthens

      Captain Cake and the Candy Crew

      Captain Cake Winner of a Golden Mom’s Choice Award


      Alex at the Financial Services

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