Chris Skinner's blog

Shaping the future of finance

There were 50 ways to leave your lover … now there’s one more (thanks to your payment app)

Chris Skinner Author Avatar

Over the years, there have been many weird and wacky ideas for banking. There was the G&L Bank in the USA in 2000, targeting the LBGTQ+ community. It was a viable, niche, boutique bank, but twenty years ahead of its time. The was a David Bowie bank, surprisingly called Bowie Bank. Again, it did not achieve Fame. For all the bank ideas launched, many crash and burn.

I remember a few yeas ago that HSBC trialled the idea of texting customers if they walked near branches to say come on in. The trail failed as customers thought it was way too creepy.

Then there was that wonderful idea in the lending community of China to ask customers to give the lender a nude photo, with the threat of sharing it online if they defaulted.

The reason for mentioning these is that two recent headlines struck me. Firstly, setting a bank branch in a graveyard; secondly, using finance apps as social apps.

Let’s start with #1, Barclays Bank have a mobile banking service as all their physical branches are now shut, but parking the mobile banking service by the cemetery seems a bit weird.

Or maybe it’s not as the customer are dying to get in there, and most European banks are Zombie banks anyways*.

But, on a lighter note, you can use the bank to avoid your secret lover being discovered.

In an intriguing development on the Revolut app, users have found it’s a great way of talking to their lovers, behind their partners’ backs, by texting through the app.

Having gone through this myself, a partner can quite easily start picking up on your heavy messaging on Instagram, Messenger or WhatsApp, but they wouldn’t check up on you on your banking app, would they?

Well, they might now if they’re reading this because, last November, Revolut introduced a messaging service. It was designed to allow customers to chat and request funds from other customers but, in the usual example of unexpected consequences, it’s ended up being a great and secure way of talking to people in a fully encrypted way.

The Times of Malta quotes lead clinician at Sex Clinic Malta Matthew Bartolo, stating that:

“People do not think that their partner would be speaking to someone on an app used for banking … if a person wants to hide something, they will find all ways to do so. I have had previous clients who would download apps in different languages or even change the name of the person they are having an affair with on their phone so that their partner would not suspect anything.”

Bartolo said it is more difficult today to cheat as there is a “digital record” of wherever the person has been or what they have been doing.

“In the past, if you travel to meet someone behind your partners back, there was no Google locations or bank transfers of what you spent,” he said. “Today it is much easier to communicate and keep in touch with people. If someone wanted to speak to their ex, they do not have to meet them for a coffee but simply send them a message.”

Anyway, I have to stop blogging now as I have to make an urgent transaction on Revolut. Talk to you later …


The Financial Times reports that a new study by Boston Consulting Group shows an extraordinary 73% of Europe’s banks are trading below their book value. The vast majority of them have been doing so for more than a decade and no other business would survive at such levels.


** 50 ways to leave your lover, by Paul Simon could now have:

Just make a pay, Kay,

Get on the app, Zak,

Send a text, Rex,

And set yourself free ...

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...

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

Chris Skinner’s ‘Digital For Good’ Book Launch Event – CFTE

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