This week’s main discussions include …
What is x402 and why will it transform payments?
The next era of payments: when money moves at internet speed I just found an interesting report by KPMG about a new payment standard called x402. Have you heard of it? If you haven’t, it’s built to ensure open, free, frictionless payments, and could be revolutionary for embedded, invisible finance. Built by Coinbase, the x402 protocol…
I was just reading Amazon Web Services’ report about Banking on the Cloud. It’s biased – everything has to be in the cloud of course – but it’s interesting. It also struck me that I was talking about banking on the cloud in 2008. It has taken a long time, and is still developing. Here is…
The US Treasury’s bid for smart regulation
Innovation vs Illicit Finance: Why the Future of Crypto Compliance is Intelligent The US Treasury just produced an interesting document about digital assets, innovation and criminal activity. It’s well worht a read, so download the report here … but, if you can’t be bothered, here is my view. There is a familiar pattern whenever a new…
We are pretty much branchless and cashless now
Thirty years ago, I wrote a strategy report for NCR, where I was working at the time, saying that the future of banking would be branchless and cashless, which was not great news for a company selling cash machines. Now, we live in a world that is nearing branchless and cashless. I’ve written quite a…
How to avoid sanctions using crypto
I probably shouldn’t say this so, if I get arrested, please send money and help me but, over ten years ago, I told Russian and Iranian contacts to put all their money into bitcoin and cryptocurrencies to avoid sanctions. Yes, it’s my fault. I’m sure there are others out there, but the key thing about…
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...