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Shaping the future of finance

The Finanser’s Week: 26th June – 2nd July 2023

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The main blog discussions this week include …

The relationship between banking, fintech and the Titanic

I hesitate to write this, as it is controversial. But then I am not afraid to confront controversy. After the tragic implosion of Titan, the OceanGate submersible submarine that was doing the deep dive to the Titanic … … emails came to light where the founder of OceanGate, Stockton Rush, flagrantly disregarded warnings that the…

Making banking better for the bank and the customer

The username and password began to appear with technologies back in the 1960s although some might say they even date back two thousand years. Over the past half century we have also added more security systems for banking. The start of change was when we introduced a 4-digit PIN for getting cash. Funnily enough the…

The launch of the digital euro was yesterday

Yesterday, the European Union kicked off the digital euro proposals focused upon ensuring cash is still accepted, whilst complementing cash with a digital version of the euro. The two proposals are summarised as: A legislative proposal on the legal tender of euro cash to safeguard the role of cash, ensure it is widely accepted as a means…

Europe’s new payments regulation – from PSD2 to PSD3

I’ve always expected a PSD3 (the third European Payment Services Directive), as PSD2 had flaws. For example, banks were complaining that an OpenAPI for Trusted Third Parties is fine, but what about a reciprocal agreement or, if you prefer, why should we give them our data if they won’t give us theirs? Or maybe you…

The alleged way that Norway is breaking sanctions against Russia

I attended a fascinating lunch the other day. The audience comprised a number of senior folks and founders from companies covering all industries and many geographies. After we all introduced ourselves there was then a discussion, under Chatham House Rule*, that ranged from the frictions between the USA and China, China and Taiwan, the Ukraine…

What happened at Money 20/20 Europe?

During Money 20/20 Europe in Amsterdam in June, a few friends were there and provided a nice wrap-up of the events on their blogs. First, Jim Marous was there, and here is his take on the event.

Fintech Uncut 29 (#FU29): Who wants a CBDC?

CBDCs were in the headlines again this week as the European Commission unveiled their legislative proposal for a digital euro, but does anyone actually want it? There were elements of the announcement that caught our attention that the team thought could kill the business case (if there even is one to begin with). Britcoin, physical…

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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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