Chris Skinner's blog

Shaping the future of finance

Need help with sales and strategy? Our workshops and dinners can help …

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Just for your knowledge, The Finanser offers a lot of services:

  • Dinners with Skinner: we can gather a group of your target audience in almost any city in the world to network over a 5* restaurant hosted and moderated by Chris Skinner
  • Keynote speeches: we can offer Chris as a major industry figure to speak at your conference
  • Workshops: we can organise a one or two day meeting that Chris Skinner facilitates based upon his 22 book and decades of background immersed in finance and technology or, as we call it these days, fintech
  • Advice: Chris is on the advisory boards of many start-ups and challengers such as Moven, Meniga and Webaccountplus, as well as being a Non-Executive Director at several firms, such as 11:FS
  • Research: when needed, the Finanser can delve a lot deeper and provide quantitative or qualitative research about any are of the finance and technology markets
  • Webinars: Chris can deliver his workshops and keynote speeches online using Zoom, Teams, Meet or other meeting systems - it's your choice!
  • A short article: Chris writes every day and is happy to write for you - just tell him the subject
  • White papers: the Finanser often produces high level or detailed papers on behalf of sponsors
  • Ghost writing: if you're interested, Chris is happy to write for you in your name and not his! It's your choice ...

Specifically, we were asked last year to develop a 2-day strategy workshop for a bank. It went well and has developed a lot further, with interactive exercises and clarification of all terms and phrases in the financial, technology and fintech space. This ensures everyone is talking the same language and understanding. It also ensures the teams can press forward with change, knowing that they're making the right change. That's been one of my sayings for a while now:

Charles Darwin makes clear it is the most adaptable to change who survive, but what changes need to made to adapt in the right way?

Is your team aligned and pointing in the right way for a strategic outcome? Do they need a little bit of help? If you are interested in having me run one of these workshops for your team, get in touch with

A Digital Transformation Workshop Programme

The workshop runs in nine modules, with each module lasting 90-120 minutes (it can be less or more if you want the workshop tailored more specifically to your needs).

1: What is a bank?

This module discusses the history of banking and finance, how it is formed, why it is regulated the way it is and more. These basics are required before we can talk about how banking is changing in the future, as finance is not the same as other industries. It has unique features around trust and exchange which elevates finance to the same level as pharmaceuticals and flying.


2: What is a digital bank?

Banks were built for physical distribution of papers through buildings with humans. That model worked for almost a thousand years but, when the internet appeared, the model was destroyed. Banks need to rebuild for the digital distribution of data through software and servers. Can they do this and, if yes, how?


3: How are customers changing banking?

GenZ, millennials, boomers ... traditional marketers drop them into demographic groups. But they are not homogeneous and evenly distributed. Equally, not every customer wants the same experience. Some want a purely digital experience, others want face-to-face services whilst another group want phigital, the integration of digital and physical services as some call it. What are the customer journeys and experiences to consider when building an integrated digital and physical service? How does this change from customer to customer, What is "joyful banking", and how are banks and fintechs approaching their needs?


4: How is fintech changing banking?

With the rise of digitalisation, the shakeup of the banking industry has been far-reaching. It was particularly evident with the move to internet commerce in the 1990s, but was not taken seriously by many banks who were stuck with 1970s technologies. Then cloud computing and the smartphone arrived to change banking forever. This led to the integration of finance and technology, or fintech for short. How did fintech develop? Where is it now? What will it look like tomorrow?


5: How are technologies like AI and blockchain changing banking?

Although fintech is broad, there are specific technologies that will have greater impact than others on the banking sector. Specifically, AI and blockchain. What is happening in this space and how are things developing? More importantly, which banks and technology companies are leading the way?


6: How should a bank approach digital transformation?

Realising that the FinTech world is creating a drive to change, along with cloud computing and smartphones, banks have engaged in digital transformation projects for most of the last decade. The issue is that they have approach these changes as a project, rather than as a complete reinvention of the bank itself to place digital at the core. How should a bank do this?


7: How should a bank approach partnering?

Every bank is now talking about a digital ecosystem where they partner with start-ups. The advantage for the start-up is that they can scale fast and reach a much wider audience. The advantage for the bank is that they get skills and capabilities fast, that would take a long to develop internally. However, how can a bank and start-up trust each other?


8: Who are the best in banking and fintech?

In the book Doing Digital, Chris Skinner picked out Chase (USA), BBVA (Spain), ING (Netherlands), DBS (Singapore) and CMB (China) as banks that are leading the world of digital transformation for traditional banks. He also picks out Stripe, Revolut, Stable, Ripple, Starling Bank and more from the start-up unicorn world. The question is: why these companies and who else makes the list?


9: What comes next: the bank of 2100

Looking further forward, the final week reviews the likely impact of Quantum computing, M&A of fintech firms, financing ESG and renewable energy, and other big events likely to happen over the coming years. This session presents a collection of the trends going forward based upon PEST – Political, Economic, Social and Technological – forces of change, scenario planning and SWOT – Strengths, Weaknesses, Opportunities, Threats – analysis.


For further information or to discuss more bespoke and tailored workship, just talk to Patricia

Oh, and this series of modules can be run on-site face-to-face or over Zoom. If it's the latter we recommend running the discussions once or twice a week over one or two months, as concentration on Zoom calls is not the same as in the classroom!


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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