Chris Skinner's blog

Shaping the future of finance

The Finanser’s Week: 27th February – 5th March 2023

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This week’s main blog discussions include …

Most banks will disappear (Part One)

Five years ago, Gartner published a report stating that 80 percent of financial institutions would disappear by 2030. Most banks will be made irrelevant by 2030 – Gartner Within 12 years’ time, 80% of financial firms will either go out of business or be rendered irrelevant by new competition, changing customer behaviour and advancements in…

Most banks will disappear (Part Two)

Yesterday, I stated that most banks will not disappear. Today, I’m in the other side of the ring and saying that most banks will disappear. They won’t disappear as banks. They will just disappear as something we think about. Banking will become invisible. The industry likes to talk about embedded banking, a term that is…

You need balance … it’s in our DNA

I love it when there’s a case study about animal behaviours. Bearing in mind that apes are our closest relations, when scientists try experiments to see how they behave towards money, it is fascinating. This is something I’ve blogged about many times before, with a favourite example being the Capuchin monkeys who discovered that they…

What if we don’t want to be empowered?

I just had a new dawning, but maybe not. The realisation was that the decentralisation of everything – finance, money, government, service, chat – is all down to technology. Centralisation of everything is all down to physicality.

Myths about money

Over the years, I’ve learned a lot about money. I’ve learned about its creation, usage and operation. I’ve learned that it wasn’t invented to replace bartering. I’ve learned a lot. Here’s a few facts about money …

This week’s FU!

This week’s FinTech Uncut! covered a lot of ground and you can watch it here and now! This week’s episode was a bit Bugs Bunny, with highlights talking about Klarna posting its biggest loss to date, Western Union announcing a twist to BNPL and Visa eyeing up FIS. Meanwhile, Quizmaster Rik continues his singing streak. What in…


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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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