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Shaping the future of finance

The Finanser’s Week: 16th January 2024 – 21st January 2024

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This week’s main blog discussions include:

We need banking that is unusual

Over the week, I got an update about Revolut and their business model. It was quite interesting although a little bit macro-level. My favourite part is where the Business Model Analyst listed the competitors to Revolut: Monzo: Monzo is a UK-based digital bank that offers features similar to Revolut, including budgeting tools, international money transfers, and fee-free spending…

HSBC puts a Zing into 2024

HSBC has just launched a rival to Revolut and Wise for consumer foreign exchange transfers. Calling it Zing*, and currently available only in the UK, the idea is to offer a “worry-free
international money app”, even though they exist already. Why would HSBC’s be any different? You can find out the nuts and bolts of Zing…

The SEC approves bitcoin … or does it?

Everyone got very excited last week about the SEC (Securities and Exchange Commission, USA) approved the use of bitcoin on ETFs (Exchange Traded Funds). Fantastic … but what does it all mean? Does it mean the SEC approves of bitcoin trading? Does it mean the Federal Reserve and USGov endorse cryptocurrencies? Some would say yes,…

An unequal world is just the way it is … live with it

There’s a big scandal in Britain. It’s been bubbling away for almost thirty years, but has only come into the mainstream today thanks to a TV drama about what happened. So, 2024 started with this TV dramatization of the true story of how the UK postal service bankrupted many of their franchise holders due to…

When the going gets tough, the tough ask questions

There are a number of numbers being bandied around regarding the major slump in the fintech sector over the past two years. The latest one that I picked up on is from the Indian data intelligence firm Tracxn, stating that UK fintechs raised just $4.3bn in 2023, a sharp drop from $11.2bn in 2022, which…

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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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