Chris Skinner's blog

Shaping the future of finance

The Finanser’s Week: 20th March – 26th March 2023

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This week's main blog discussions include ...

Invisible banking is the place to be

A couple of headlines hit me recently. The first is that twitter is going to create a payments system: Twitter has begun applying for regulatory licences across the US and designing the software required to introduce payments across the social media platform and then, more interestingly, is that Microsoft is going to do the same, but…

A key to invisible finance is a digital identity

A key to invisible finance is a digital identity and this is the hardest thing to crack. It’s been tried many times and failed often. Equally, there are many companies and institutions trying to solve this, but no-one seems to have succeeded. Having said that, Digiwatch estimate that governments will have issued about 5 billion digital IDs globally…

Nobody wants embedded finance

I was reflecting on the idea of embedded finance and invisible banking yesterday. It’s a great idea. We can use tech to make the world a place where you can pay for anything, anywhere at anytime. Sounds good, but is it? Some people – many who are not in our cocooned world of salaries and…

Bill Gates on AI

This week, Bill Gates has written a long essay on the impact AI (Artificial Intelligence) will have on the world. Paraphrasing his essay, these are the highlights for me: I was so excited about their work [OpenAI/ChatGPT] that I gave them a challenge: train an artificial intelligence to pass an Advanced Placement biology exam. Make…

Like Schrödinger’s cat, is this bank dead or alive?

After a tumultuous week and weekend, everyone seems to be asking: is this another global financial meltdown?

Business needs must drive technology investments

I’m a firm believer that banks rarely invest to drive revenue and elevate customer service. But I recently hosted a roundtable discussion in London with Appian, a process automation platform company, where leaders from mainstream and challenger banks in the UK gathered to discuss the challenges facing financial institutions when adopting new technology.

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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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