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Shaping the future of finance

The Finanser’s Week: 8th August – 14th August 2022

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The main blog discussions this week include ...

Is Goldman Sachs letting Apple down?

There’s a good old challenge in banking that, in recent years, has been growing. The challenge is to name the bad guy. Sometimes the bad guy is a hacker; other days, it’s a rogue trader; another event points the finger at an employee with a fat finger; but, more often than not, the bad guy…

The four-pillar model needs less pillars

What is the four-pillar model? It’s a system created years ago to allow plastic card systems to work. The system connects merchant to consumers via an acquiring bank and an issuing bank. Well, maybe it’s not that simple. Let’s let MasterCard explain it: What is interchange? Interchange is a small fee typically paid by acquirers (retailer’s…

Is banking relevant?

We often talk about banking being plumbing, using smart pipes for delivery to the door. Some even comparing banking to sewage. I think I prefer plumbing. It sounds better. The thing is, how often do you think of changing your utility provider? Changing electricity, water and gas is not at the top of our agenda….

Cards, contactless, Germany, Brexit … another weird day in 2022

Talking of Brexit I found it amusing that, when I posted a tweet the other day, people interpreted it in ways I didn’t expect. The tweet just made clear that Brits are nine times more likely to be scammed by criminals than Germans, as we are a major card-based nation. Just in case you cannot…

The UK makes its stake to create a better world outside the EU

I often see headlines saying “Britain is leading Europe". Britain is leading Europe in what? Fraud, tax avoidance, political shenanigans and more. Such headlines always make me laugh, as the media is writing as though Britain is still part of Europe. Did anyone forget about #Brexit?



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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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