Chris Skinner's blog

Shaping the future of finance

Our future is where we do not think about money, but money thinks for us

Chris Skinner Author Avatar

As someone who has been writing most of his life, and specifically books for two decades, the singular focus on technology and finance has been an interesting journey. The breakthrough came in the early 2010s for me, when Digital Bank was released. Since then, I’ve travelled the world meeting visionaries in banking, finance and technology, and learning a lot.

The results of these experiences are the core of the presentations delivered and, when recently asked, this became the thrust of a new showreel, demonstrating my thinking. This thinking has evolved from Digital Bank – a bank is built for distribution through buildings and humans rather than software and servers – through to Digital for Good – how can we use technology and finance to make the world a better place?

You can find out more here but, as you can see, each book – of which there has been a new one every two years – has a different phrase and platform. In fact, working on the newest one, the phrase would be: “our future is where we do not think about money, but money thinks for us”. Yep, money has become intelligent.

That book is due to come out in early 2024. Meanwhile, if you want to find out more of the thinking of where the future goes, here is the showreel:

And here is the future thinking!

Oh, and a brief summary of the key books written over the last decade ...

Digital Bank: how to create a new business model based on a bank distributing data through software and servers, rather than paper through buildings with humans (2014)

ValueWeb: the way that technology is rebuilding financial services using mobile technologies, cloud computing and blockchain (2016)

Digital Human: the new world of technology and finance includes everyone, with the first extensive and in-depth case study of Alipay and Ant Group written for a non-Asian audience (2018)

Doing Digital: banks are not stupid but they are severaly challenged by digital transformation, so let us learn the lessons of the biggest banks who are trying to do it, with in-depth case studies of JPMorgan Chase, BBVA, ING, DBS and CMB (2020)

Digital for Good: a collection of over twenty perspectives and five continents on how technology and finance are making the world a better place (2022)

Intelligent Money: our future is where we do not think about money, but money thinks for us (due Spring 2024)

Find out more on these exciting publications through Amazon.


Chris Skinner Author Avatar

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...

Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us

What is the future?

Learn more

Learn more about Chris

About Chris Skinner

The Past, Present And Future Of Banking, Finance And Technology

Fintech expert Chris Skinner: countries need digital transformation to remain competitive

Join me on Linkedin

Follow Me on X!

Hire Chris Skinner for dinners, workshops and more

Learn directly from from one of the most influential people in technology, gain insights from the world's most innovative companies, and build a global network.

Chris’s latest book

Order now

Chris Skinner’s ‘Intelligent Money’ Book Launch Event

Top 50 Global Thought Leaders and Influencers on FinTech 2023

Chris Skinner
Commentator, CEO of The Finanser and best-selling author at The Finanser

Thinkers360 Thought Leader

Contact Me

Global Awards

Lifetime Achievement Award

Global 100 - 2024 Winner

Chris Skinner - Financial Markets Advisor of the Year - The Finanser - UK 2023

Best Financial Markets Advisor of the Year 2023

30 Best Regtech Blogs and Websites 2023

Kids creating the future bank | TEDxAthens

Captain Cake and the Candy Crew

Captain Cake Winner of a Golden Mom’s Choice Award


Alex at the Financial Services

Gaping Void's Hugh MacLeod worked with the Finanser