Chris Skinner's blog

Shaping the future of finance

The Finanser’s Week: 24th April – 30th April 2023

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This week’s main blog discussions include …

Why digital transformation fails

I got a nudge that my good friend Jim Marous had just published a new report, sponsored by Qorus and Infosys Finacle. 💯 Jim Marous states that: “innovation is important in banking because it drives growth, allows organisations to stay competitive, and helps solve complex problems in an ever-changing world.” Jim surveyed a range of bankers…

Should Apple buy Goldman Sachs?

If you haven’t noticed recently, Apple has been making moves into money. They started with a partnership with Goldman Sachs to launch a credit card. More recently, they’ve launched Apple Pay Later, their BNPL (Buy Now Pay Later) service, and then a savings account offering 4.15 percent interest, 10x the national average in the USA.

Banks need to be ready for hybrid money

Over the past years the financial industry has had a weird relationship with the cryptocurrency industry. The former was launched thousands of years ago; the latter just over a decade ago. Maybe that’s why.

The giving economy … an interview with Kevin Burkart

I recently stumbled across Kevin Burkart whilst listening to a podcast on BBC Sounds called Sideways, hosted by Matthew Syed. The episode is all about the giving economy, which is actually drilled into our DNA, as I blogged about recently. The summary is that before we trade, commerce and money, we lived in communities where helping…

An interview with you know who …

I recently had a chat with the folks of Machine Lab. Here’s what happened … An acclaimed author and independent commentator whose insights on financial markets and fintech are second to none, Chris Skinner was one of the founding minds behind the world’s first mobile bank and has advised some of the most prominent CEOs and leaders…

This week’s Fintech Uncut (FU#20)

We welcomed guest judge Barb MacLean of Fintech Playlist fame to preside over proceedings this week during which, the European Payments Initiative (EPI) made a big announcement, taking them one step closer to breaking the Visa / Mastercard duopoly in the region. There were other losers and a surprising winner on the show but no more spoilers …

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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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