Chris Skinner's blog

Shaping the future of finance

The Finanser’s Week: 1st May – 7th May 2023

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This week’s main blog discussions include …

The issue with DeFi

I’ve had this thing about decentralised finance for some time. The reason? Libertarians say that we can now have money without government. From my side, I argue that’s wrong. You can’t have money without government. The question is: who is the government? You cannot have money without government, but the government can just as easily…

It is not decentralised OR centralised … it is decentralised AND centralised

I’ve talked a lot about a global basket of digital currencies becoming the norm. Then, as I started developing ideas for my next book – CeFi vs DeFi – I realised that the way the world is moving is to have both. Why can’t we have stablecoins based on a basket of USD and RMB…

Is the dollar disappearing?

As the global superpower that I grew up with, America has dominated everything in my life. I’ve worked for American companies; I watch American movies; I use American tech for almost everything I do … in fact, as a Brit, I’m so American that the only thing I don’t do is pronounce a Z as…

JPMorgan acquires First Republic … why?

You’re probably fed up with discussions of First Republic’s failure and its acquisition by JPMorgan by now. It is a bit strange however, as First Republic is very much a bank for the wealthiest people in West Coast America (think of the bank of Mark Zuckerberg) so, what’s going on?

Cryptocrime is why cryptocurrencies were invented

I was quietly annoyed by one of the headlines I saw the other day: Using crypto for crime is not a bug — it’s an industry feature. It’s an attack on the whole idea of cryptocurrencies in an opinion piece by Financial Times columnist Jemima Kelly.

This week’s FinTech Uncut (FU #21)

This week we’ve seen three different headlines about 3 different banks, all with a familiar thread running through the stories. Are they all following the same playbook and will more of the same unfold as the year progresses? Links to the stuff we spoke about:- Boston Consulting Group (BCG) published a new report in collaboration with…

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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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