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Shaping the future of finance

The Finanser’s Week: 23rd January – 29th January 2023

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This week's main blog discussions include ...

ISO 20022 … or is it ISO 20023 … 20024 … 20025?

Anyone who has attended a Sibos conference or similar payments meeting will have heard the buzz about ISO 20022 for years. The idea is that this will unite the global banking industry with a new standard for all payments messages. What is ISO 20022? ISO 20022 is best described as the future of financial messaging,…

KYC is like boarding a flight – a lot of processing to find one in a million

I’m talking about KYC and client onboarding again in a February 1st webinar, hosted by American Banker. The onboarding of clients is the worst part of financial services, because it has an overly onerous requirement to gain proofs. Proof of address, proof of identity, proof of existence, proof of life. You name it. It gets worse…

Strategies: focus on the customer and make sure you have the next play

As I watch various series about office politics, it makes me wonder who really thinks this way. Who really thinks about destroying a competitor or a company or a colleague? I guess many of us do. But, do you do it in a collegial way? For example, if Jane is likely to be the next…

When the head of tax doesn’t pay tax

I noted to a friend the other day that, when I was young, I was quite left wing. Back then, my belief was everyone should be included; everyone was equal; no-one should be treated as lesser than me; society should ensure everyone had a minimum wage and support them. Then I grew up. I became…

2023 according to 11FS, IBM, McKinsey, Accenture, PwC, EY, KPMG, Deloitte and me

I just got pinged by a bunch of reports about 2023 looking forward and felt it worthwhile to share those that hit top of my desk. I guess the first one I’ll pick is from Deloitte, who cover all aspects of the main financial markets ...

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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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