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Shaping the future of finance

The Finanser’s Week: 26th September – 2nd October 2022

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The main blog discussions this week include …

CeFi, DeFi? No, it’s HyFi with WiFi!

Growing up hi-fi was High Fidelity, the best way to hear music. In 2022, HyFi is hybrid finance, the best way to use money. HyFi combines CeFi with DeFi. I don’t believe you can just have one. DeFi works for small things; CeFi is required for big things; HyFi allows both to work seamlessly. What…

Are you DeFi-ned?

I’m talking so much about decentralised finance (DeFi) these days. I guess because I’m grappling with whether DeFi can replace CeFi (centralised finance). This tension is real. Can a world without borders on a global network replace the world with borders in a centralised network? It’s hard to say, but it’s fascinating to watch. A…

Congress to JPMC: how would a CBDC impact your ability to deploy capital?

Part of my network, Jim Richards posted an update on LinkedIn the other day which was measured and interesting. Jim is former Executive Vice-President of Financial Crimes at Wells Fargo, and knows a thing or two about the way banks work. I asked if I could share his post here, and Jim said yes, so,…

Another day in Cryptoland: the failure of Celsius

I don’t write often about the Wild West cases of  Cryptoland – well, I do actually – but this latest one is a pearler so, here we go! I’m adding this to the ten (no, twenty, thirty, forty, hundred or more) cases of bad actors in the Cryptoland. In this case Alex and Krissy Mashinsky, a…

Money over Internet Protocol (MoIP): who issues and regulates it?

I found a very interesting column on Forbes by Caitlin Long. She compares banking to the telco industry twenty-five years ago, and that the big telecoms firms all went bankrupt because they didn’t predict or see the impact of VoIP (Voice over Internet Protocol).


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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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