Chris Skinner's blog

Shaping the future of finance

The state of fintech, 2026

There are lots of AI tools out there today – Gemini, ChatGPT, Claude and more. The market is crowded. So, when I saw that Facebook had launched Manus, I wondered why and tried it. Simple question: what is the state of fintech?

The AI engine ran away and analysed various reports from the likes of KPMG and BCG, and came back with this:

I must admit, I was quite impressed … more worryingly, it made me wonder what’s my role these days? But then remembered that AI is just cut and pasting stuff created by humans. Game on.

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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...