Chris Skinner's blog

Shaping the future of finance

The Finanser’s Week: 10th October – 15th October 2023

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This week’s main blog discussions include …

Forget cashless as cash is the only payment system that works

During the summer, there’s been a lot of news about cash. A new €500 banknote is coming whilst, on the converse, a lot of people have been discussing life using cash. Is cash still relevant? Do we need new banknotes? Well … here’s the lowdown. I am guessing that most of the cash discussions were…

Send a nude pic for a loan

Some years ago, I remember a Chinese lender, Jiedaibao by JDCapital, asking applicants to send them a nude photo to get the loan. The photo would be kept private unless the loan defaulted. If payments were missed, the photo would be shared online to all your friends and contacts. That’s a good way to ensure…

The rise and fall of FTX (caveat emptor, as they say)

The trial of Sam Bankman-Fried, founder and creator of what many call a Ponzi scheme called FTX, has started in New York. FTX was a cryptocurrency exchange that, like MtGox a decade before, lost millions/billions of dollars of investor’s money. C’est la vie. There’s lots of reportage out there about the trial, the background, the…

Intelligent banking: how AI will change the future of finance

Lots of discussions these days are about AI. AI this, AI that, AI movie, AI influencers, even AI pop. (the K-pop group Mave do not exist – they are generated by AI) Every day, these developments shock and intrigue me. But what does this mean for banking and finance? Well, I guess there are some…

That was the week that was, as Chris Skinner receives a Lifetime Achievement Award

As a general rule, I try to avoid being too personal in blogging. Sure, this is an opinion-based platform, but it’s boring talking about me, isn’t it? But then, last week, it proved to be a pretty amazing and exceptional week, so I’m just going to park this here.

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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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