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Shaping the future of finance

The Finanser’s Week: 20th November – 26th November 2023

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This week’s main blog discussions include …

When we talk about customer journeys, what do we mean?

I was struck by one slide in a presentation the other day. The slide stated this: I need a mortgage … to buy a house Why did this strike me? Probably because you realise, from the customer view, that financial services has nothing to do with money. It is 100% to do with living a…

Why do retailers focus on customers and banks do not?

I just chaired a major retailers conference in Malmo, Sweden. Not a payments conference or retail payments conference or merchants payments conference. A retailers conference. It surprised me how much of the discussion was about loyalty, customer engagement and customer retention, as those discussions rarely come up at payments conferences. In fact, when I listed…

When regulators crackdown on crypto, you know that crypto has crept out

The cryptocurrency industry is maturing and, as it does so, the government, statists and regulators are diving in to control it, as are the banks and financial institutions. In fact, it intrigued me when talking with a major institution the other day that they said they could have been Coinbase, if only their management team…

What actually happened at OpenAI and the sacking of Sam Altman?

I was going to write an in-depth analysis of what actually happened at OpenAI … Me: I want the truth! ChatGPT: You can't handle the truth!!! — Chris Skinner (@Chris_Skinner) November 20, 2023 … but Bloomberg beat me to it. In their article Doomed Mission Behind Sam Altman’s Shock Ouster From OpenAI, by Max Chafkin and Rachel…

What keeps a bank CEO awake at night?

I was thinking about what it would be like to be a bank CEO right now. That happens quite often, and I often attend meetings where these things are discussed and the challenges that bank CEO’s face. The last great presentation I saw such insights was when we had the CEO of …

Can we delegate compliance to technology?

I’ve had a lot of thoughts recently about how much automation can go. In most banks, one or two people look over the shoulder of those doing the work to make sure they comply. If we could get rid of all those people checking the checkers, there would huge savings which made me beg the question: could we get rid of compliance using today’s technologies?

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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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