
This week’s main blog discussions include …
The rise and rise of ransomware
There’s a very interesting analysis of the cyber attacks on Marks & Spencer, the Co-op and Harrods on the BBC this week. If you have access to their iPlayer, then it’s well worth a watch. If you don’t, then here’s the summary as it illustrates our fragile digital world today.
Don’t trust until you see the whites of their eyes … the rise of deepfake fraud
Some years ago an elderly gentleman entered the lobby of one of Britain’s biggest banks demanding to talk to someone about the £5 million he had been given by David Cameron. A senior manager at the bank took the gentleman to a consultation room, and it turned out that the man had been notified of…
No-one cares about payments in 2040 except us
I hate criticising other people’s work, but I do read some complete claptrap about the future. For example, I just got a report about the future of payments in 2040, that starts with a term Order-to-Cash cycle and then paints a scenario of someone buying an automated car. That was the first few paragraphs and,…
Some people knew the internet would NOT liberate us …
I just ran across an item from 1994 written by Carmen Hermosillo talking about cyberspace, the internet and the future. It is quite something but TL:DR, so here are a few highlights: Introducing Humdog: Pandora’s Vox Redux (1994) “When I went into cyberspace I went into it thinking that it was a place like any…
I just learned how to trade thanks to Fibonacci
I don’t have a trading background and am not a mathematician, but just went down a rabbit hole. Somehow, someway, someone sent me a Fibonacci T-shirt and I went WTF? Thanks to the t-shirt I stumbled across the Fibonacci principles, and my world changed. What’s that all about? Well, let’s start with asking: Who was…

Chris M Skinner
Chris Skinner is best known as an independent commentator on the financial markets through his blog, TheFinanser.com, 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...