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FinTech without Frontiers

I’ve blogged a few times about the Ukrainian conflict, and its impact on the FinTech community. It was interesting therefore to recently connect with Huw Davies. Huw is Co-founder and Chief Commercial Officer, Ozone API, and has previously worked with MasterCard, HSBC and Barclays. He’s now involved in supporting the Ukrainian FinTech community. Here’s how…

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But crypto is not going away …

Building on yesterday’s blog, it is very easy to portray the whole cryptocurrency marketplace as a scam, Ponzi scheme, Wild West and a place where you tread carefully as it is a minefield. In some ways, it is. There are plenty of things out there designed to just rip you off. There are also techie…

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Another day, another crash, another hack

I stumbled across a tweet about Nomad, a cross-chain bridge, that had just had almost $200 million of crypto assets hacked: The cross-chain token bridge Nomad was exploited, with attackers draining the protocol of virtually all of its funds. The total value of cryptocurrency lost to the attack totalled near $200 million. Nomad, like other…

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What gender is your bank?

I’ve recently wondered about the movements to recognise gender-status in banking. For example, a headline appeared saying that the Halifax Bank, part of Lloyds Banking Group, was stupid for allowing someone to be recognised as she/her/hers. It didn’t go down well with some people … But it is a thing. Pronouns count, and banks are recognising…

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Welcome to The Finanser by Chris Skinner

Welcome to The Finanser, the portal to the knowledge base of the Financial Services, chaired by Chris Skinner. To make an enquiry about a speaking engagement, just contact us and, if you are interested in Chris Skinner as a speaker, here’s an illustration of his keynote presentations … Chris Skinner is known as an independent commentator on…

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BY CHRIS M SKINNER

Digital Bank

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Open Finance? It’s all about the C’s!

We had a great discussion about Open Payments, Open Banking and Open Finance at FinTech Week London* this week. What was interesting is that nearly everyone opened with a mention of customer and customer journeys. Customer is the critical factor here, and customers don’t care whether they’re using Open Finance or not. What they care…

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BY CHRIS M SKINNER

An interview with EFMA about the realities of digital for good

I just had a nice interview with EFMA (now Qorus) about the new book Digital for Good (available here), and thought I would share the interview here. Hope you like it. Qorus- It is not always easy to distinguish genuine leaders from clever communicators. How did you select the different people you gave the floor…

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BY CHRIS M SKINNER

The neobank era is just beginning

Good friend Ron Shevlin sparked off a great debate about neobanks with his snarky column on Forbes the other day. His basic argument is that neobanks are over. A few choice passages: The 10 leading neobanks in the US grew by a little more than 10 million accounts in 2021, from 23.3 million to 33.5 million, according to…

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BY CHRIS M SKINNER

A circular economy or degrowth?

I launched the new book Digital for Good in London the other day, and was joined by many friends in my network. The main highlight of the event was a panel discussion on where we are going with four panellists: Gail Bradbrook, Co-founder, Extinction Rebellion Gihan A.M. Hyde, Founder & CEO, CommUnique Tram Anh Nguyen,…

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BY CHRIS M SKINNER

Money is just a belief

We had a great session in Oslo last week focused upon: what is money? The question comes up more and more in my thinking, especially when you look at cryptocurrencies, CBDCs, stablecoins and such like. We had many good presentations from MasterCard, the Norwegian Central Bank, Handelsbanken and even cameo Zoom appearances from Dave Birch…

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BY CHRIS M SKINNER

Forget rock and roll, it’s now space and soul

I am regularly asked: what’s the next big thing? Answer: there isn’t one. There are just all the things we can see today that are building to the next big thing. What’s out there today? Web3; the metaverse; cryptocurrencies, digital currencies and CBDCs; artificial intelligence plus; blockchain, smart contracts and distributed ledger technologies in reality;…

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BY CHRIS M SKINNER

I sold my soul for a token

Some years ago, as an April Fool, a firm offered a free download of a game as long as, in the terms and conditions, you agreed that they could now own your soul. It was silly, but most people agreed to the download with that condition, because they don’t read the terms and conditions. Luckily…

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BY CHRIS M SKINNER

Is Apple finance going to change the world?

There’s a regular debate about whether BNPL (Buy Now, Pay Later) is a good or bad thing. There’s a big call for it to be regulated and comparisons with payday loans are made often. Nevertheless, it makes sense as many companies are now grabbing a slice of this space. The latest one is Apple. It amused…

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BY CHRIS M SKINNER

And what happens when digital fails?

I have another concern about digitalisation, which is what happens if you’re knocked off the grid? What happens if you lose your password? What happens if the company does not recognise you? What happens when someone takes over your persona? What happens when your balance of six figures is suddenly zero? OK, sure. These things…

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BY CHRIS M SKINNER

Fintech

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2022: hard times, massive opportunities

2022 is proving to be a challenging year and, if my experience proves true, is harder than anything since we have seen since the pandemic began. After two years of lockdown, funding is still freely available but harder to find, and valuations are way down on previous years. Nevertheless, according to new data released by…

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BY CHRIS M SKINNER

It’s not a stablecoin … it’s just Stable!

A PR firm reached out to me the other day, saying: want to hear about a FinTech firm started on a farm? I said yes and, before I knew it, Stable became my new, favourite FinTech start-up. It meant that I soon hooked up in a conversation with the firm’s founder, Rich Counsell. Here’s our chat: Chris…

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BY CHRIS M SKINNER

Beware of powerful and ambitious Tigers amongst Big VCs

I shared a post the other day: It inspired FinTech friend and colleague Efi Pylarinou to write a post about it. Efi has kindly allowed me to share the post with you here … Beware of powerful and ambitious Tigers amongst Big VCs We are in the 6th month of the Water Tiger Year and…

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BY CHRIS M SKINNER

What’s happening with FinTech Ukraine?

Back in April, I shared a guest post by Rostyslav Dyuk, Chairman of the Board at the Ukrainian Association of FinTech and Innovation Companies (UAFIC), regarding the impact the conflict in Ukraine was having on the FinTech scene (followed a short time later by the view from Russia). Rostyslav kindly sent me an update to…

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BY CHRIS M SKINNER

An interview with EFMA about the realities of digital for good

I just had a nice interview with EFMA (now Qorus) about the new book Digital for Good (available here), and thought I would share the interview here. Hope you like it. Qorus- It is not always easy to distinguish genuine leaders from clever communicators. How did you select the different people you gave the floor…

Read More
BY CHRIS M SKINNER

The neobank era is just beginning

Good friend Ron Shevlin sparked off a great debate about neobanks with his snarky column on Forbes the other day. His basic argument is that neobanks are over. A few choice passages: The 10 leading neobanks in the US grew by a little more than 10 million accounts in 2021, from 23.3 million to 33.5 million, according to…

Read More
BY CHRIS M SKINNER

I sold my soul for a token

Some years ago, as an April Fool, a firm offered a free download of a game as long as, in the terms and conditions, you agreed that they could now own your soul. It was silly, but most people agreed to the download with that condition, because they don’t read the terms and conditions. Luckily…

Read More
BY CHRIS M SKINNER

FinTech: Separating the wheat from the chaff

Some FinTech firms are quite old. Depending on how you call it PayPal, Zopa and others have been around for a couple of decades. They saw a downturn in 2008 with the financial crisis, and survived. But we are now in a different situation. 2022 is seeing the toughest times for all. Interest rates rising,…

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BY CHRIS M SKINNER

Mobile money: is Europe lagging? Is America ahead? Is China the leader?

There are lies, darned lies and statistics. This came to my mind when I saw a headline that 70% of the $1 trillion transacted by mobile telephones globally were taking place in Africa, according to the GSMA (Global System for Mobile Communications Association). I know that this is not true as trillions are being transacted…

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BY CHRIS M SKINNER

Blockchain

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The future of crypto is still mainstream

After all the turbulence of the crypto winter, things seem to have bottomed out and a mini-rally is underway. Keep that in mind as you can see from the comments and stats that a lot of people think that crypto is here to stay, regardless of the recent dip. Buy the dip? Maybe or maybe…

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BY CHRIS M SKINNER

What is the global, digital currency?

I did a presentation in Helsinki the other day about the importance of owning my data. It made me realise as I prepared for this presentation that we have three data systems, and financial systems, developing. The first is centralised; the second is distributed; and the third is decentralised. The second and third are similar…

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BY CHRIS M SKINNER

What do you believe in?

The belief in crypto has fallen through the floor in second quarter 2022, mainly due to factors from stablecoins that became unstable to exchanges that locked customers in (Celsius, Binance). So, I found it interesting when one cryptopunk asked the question on twitter: what do you believe in? I thought I’d pick out a few…

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BY CHRIS M SKINNER

I sold my soul for a token

Some years ago, as an April Fool, a firm offered a free download of a game as long as, in the terms and conditions, you agreed that they could now own your soul. It was silly, but most people agreed to the download with that condition, because they don’t read the terms and conditions. Luckily…

Read More
BY CHRIS M SKINNER

Welcome to (another) crypto meltdown

As a guy who has invested a little in cryptocurrencies, I sat back a year ago in a warm glow. The investment had risen phantasmagorically, and was now worth a good pension. Today? It’s worth almost nothing. Source: Daily Mail What’s gone wrong? Well, it started with Terra, and it’s led to Terror. The wobbles…

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BY CHRIS M SKINNER

Life, materialism and privacy in 2030

The year is 2030. I own something, have privacy on demand, and life has been better and worse. Back in 2016, Ida Auken (Member of Parliament, Parliament of Denmark) had an article published on Forbes: “Welcome To 2030: I Own Nothing, Have No Privacy And Life Has Never Been Better”. It gained traction, as it…

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BY CHRIS M SKINNER

Why crypto does and doesn’t make sense

I’ve been looking at buying a small property using my crypto savings. Practically, this creates an interesting dilemma as the seller wants the money in his bank account, whereas I’m trying to persuade him to sell with a payment to a crypto wallet. He doesn’t trust crypto wallets, and has never used them. So, what’s…

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BY CHRIS M SKINNER

The rocky road of cryptocurrencies

During May, the floor fell out of the cryptocurrency markets with many losing their life savings. You can question why they had their life savings invested in cryptocurrencies in the first place, but what made the price fall so far, so fast? The answer is a combination of things, the core of which is a…

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BY CHRIS M SKINNER

Could bitcoin destabilise the dollar?

I was thinking about cryptocurrencies and the fact that most of us have heard of bitcoin and Ethereum. You may have heard of Dogecoin and Shiba Inu. Maybe you even know Cordana and Polygon. But do you know about UNI and Potcoin? Or Putincoin and Trumpcoin? What about Whoppercoin or Catcoin? It seems like madness…

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BY CHRIS M SKINNER

#HSBC’s two-face strikes again

We had quite a few discussions around FinTech Week London and the line that seemed to catch people’s attention is: we must remove legacy thinking. There was debate about examples of legacy thinking. We need branches for advice; customers will always need cash (and checks!); only regulated markets by governments work; banks can only do…

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BY CHRIS M SKINNER

Don’t beam me out Scotty!

I shared Gail Bradbrook’s and Andrew Cass’s ideas around ESG on Friday, the role of finance in this space, and how it isn’t working as it should. This elicited an interesting response from Jeff Scott, Chairman and Co-Founder of Rewired Earth, a group that promotes the United Nations Sustainability Development Goals to deliver actionable insight…

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BY CHRIS M SKINNER

Beam me out, Scotty

As usual, I take time out on the first of each month to give Gail Bradbrook, co-founder of Extinction Rebellion, a platform to talk. This month, Gail has made connections with a disgruntled investment professional who has worked extensively in the ESG field (Cass, Andrew!) who wants to tell some hard truths about the (un)reality…

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BY CHRIS M SKINNER

An interview with EFMA about the realities of digital for good

I just had a nice interview with EFMA (now Qorus) about the new book Digital for Good (available here), and thought I would share the interview here. Hope you like it. Qorus- It is not always easy to distinguish genuine leaders from clever communicators. How did you select the different people you gave the floor…

Read More
BY CHRIS M SKINNER

You can change the world

I hadn’t heard of the campaign make my money matter, until the other day. It’s all about igniting consumers to consider what their pension fund is funding. Every $10 you put into a pension allows $2 to be invested in deforestation, destroying biodiversity and raping our planet … or that’s the way the argument plays…

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BY CHRIS M SKINNER

A circular economy or degrowth?

I launched the new book Digital for Good in London the other day, and was joined by many friends in my network. The main highlight of the event was a panel discussion on where we are going with four panellists: Gail Bradbrook, Co-founder, Extinction Rebellion Gihan A.M. Hyde, Founder & CEO, CommUnique Tram Anh Nguyen,…

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BY CHRIS M SKINNER

A conversation between the angry banker and the activist consumer

For a few months now, I’ve given Gail Bradbrook, Co-Founder of Extinction Rebellion, a voice on this blog. The idea was to get understanding through talking. There have been many negative reactions, particularly this challenge from an angry banker. Since then, he has sent me several more negative emails, which I haven’t shared, but decided the…

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BY CHRIS M SKINNER

Why HSBC’s head of ‘responsible’ investing is wrong

I watched Stuart Kirk’s speech at the FT Moral Money conference last week … … and, frankly, was astounded. He is now being side-lined, suspended, maybe sacked and certainly a pariah with anyone who cares about the future of our world. Why? Well, let’s just take three comments thrown out during his presentation: “Who cares…

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BY CHRIS M SKINNER

Would you like to attend the launch of ‘Digital for Good’?

Chris Skinner, best-selling author of Digital Bank, Digital Human and Doing Digital, has just released his latest book Digital for Good, and it is now available on Amazon. https://www.amazon.com/Digital-Good-Stand-Something-Will/dp/9814974404   The book will be officially launched at CFTE on June 6, Canary Wharf, London (if you want to attend, sign up here). The evening will include a number of signed books to…

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BY CHRIS M SKINNER

Future

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FinTech Forces of the Future, Part Four: Technology and Life

The exciting area for me is always our technological future. Reusable rockets, life on Mars, quantum computing, robotics, artificial intelligence, the metaverse, blockchain, renewable energy and more are all going to transform the way we live over the next few years. What does this mean in reality? I could describe each one in depth, but…

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BY CHRIS M SKINNER

FinTech Forces of the Future, Part Three: People and Society

Society is changing rapidly, every day. We don’t see it but, if you take a dip into the worlds of 1982, 1992, 2002, 2012 and 2022, you can see the massive changes in how we live, work, relate, talk and transact. Back in the 1980s, no one had computers; we had rotary telephones; the main…

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BY CHRIS M SKINNER

FinTech Forces of the Future, Part Two: Government and Regulations

On reflecting the past decade of innovation in FinTech, it’s been interesting watching the struggles of regulators to keep up. The challenge is that the regulators haven’t been able to keep up. They allowed a lot of things to happen which, now, they’re trying to address. Let’s take a few examples. First, Peer-to-Peer Lending (P2PL)….

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BY CHRIS M SKINNER

FinTech Forces of the Future, Part One: Economics and Finance

I worry sometimes that my writing these days about how finance, technology and ESG combine will alienate many in finance and technology. It shouldn’t, as these two industries hold the keys to the solutions, but it has moved the agenda from where I came from to where I’m going to. When I reflect on the…

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BY CHRIS M SKINNER

A circular economy or degrowth?

I launched the new book Digital for Good in London the other day, and was joined by many friends in my network. The main highlight of the event was a panel discussion on where we are going with four panellists: Gail Bradbrook, Co-founder, Extinction Rebellion Gihan A.M. Hyde, Founder & CEO, CommUnique Tram Anh Nguyen,…

Read More
BY CHRIS M SKINNER

So, how do we define money?

Benju Shah, Head of the Nordic BIS Innovation Hub for the Bank of International Settlements, followed up Sveinn’s session with a discussion defining money. When defining money, Benju started by saying it is for the public good. Hmmm … not so sure about this although Digital for Good is all about making that a reality. Money…

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BY CHRIS M SKINNER

Money is just a belief

We had a great session in Oslo last week focused upon: what is money? The question comes up more and more in my thinking, especially when you look at cryptocurrencies, CBDCs, stablecoins and such like. We had many good presentations from MasterCard, the Norwegian Central Bank, Handelsbanken and even cameo Zoom appearances from Dave Birch…

Read More
BY CHRIS M SKINNER

Forget rock and roll, it’s now space and soul

I am regularly asked: what’s the next big thing? Answer: there isn’t one. There are just all the things we can see today that are building to the next big thing. What’s out there today? Web3; the metaverse; cryptocurrencies, digital currencies and CBDCs; artificial intelligence plus; blockchain, smart contracts and distributed ledger technologies in reality;…

Read More
BY CHRIS M SKINNER

I sold my soul for a token

Some years ago, as an April Fool, a firm offered a free download of a game as long as, in the terms and conditions, you agreed that they could now own your soul. It was silly, but most people agreed to the download with that condition, because they don’t read the terms and conditions. Luckily…

Read More
BY CHRIS M SKINNER

Blog Index

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The Finanser’s Week: 1st August – 7th August 2022

This week’s main blog discussions include … Another day, another crash, another hack I stumbled across a tweet about Nomad, a cross-chain bridge, that had just had almost $200 million of crypto assets hacked: The cross-chain token bridge Nomad was exploited, with attackers draining the protocol of virtually all of its funds. The total But…

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BY CHRIS M SKINNER

The Finanser’s Week: 25th July 2022 – 31st July 2022

This week’s main blog headlines include … What’s your purpose? I find the world fascinating. Humans are amazing. We just launched the James Webb Telescope to see world’s formed billions of years ago and the Elizabeth Line. Both are engineering projects of immense challenge, and immense cost, as covered by many documentaries. Then I read…

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BY CHRIS M SKINNER

The Finanser’s Week: 18th July 2022 – 24th July 2022

This week’s main blog discussions include … It’s not a stablecoin … it’s just Stable! A PR firm reached out to me the other day, saying: want to hear about a FinTech firm started on a farm? I said yes and, before I knew it, Stable became my new, favourite FinTech start-up. It meant that I soon…

Read More
BY CHRIS M SKINNER

The Finanser’s Week: 11th July 2022 – 17th July 2022

This week’s main blog discussions include … #HSBC’s two-face strikes again We had quite a few discussions around FinTech Week London and the line that seemed to catch people’s attention is: we must remove legacy thinking. There was debate about examples of legacy thinking. We need branches for advice; customers will always need cash (and…

Read More
BY CHRIS M SKINNER

The Finanser’s Week: 4th July 2022 – 10th July 2022

This week’s main blog discussions include … FinTech Forces of the Future, Part One: Economics and Finance I worry sometimes that my writing these days about how finance, technology and ESG combine will alienate many in finance and technology. It shouldn’t, as these two industries hold the keys to the solutions, but it has moved…

Read More
BY CHRIS M SKINNER

The Finanser’s Week: 27th June 2022 – 3rd July 2022

This week’s main blog discussions included … The neobank era is just beginning Good friend Ron Shevlin sparked off a great debate about neobanks with his snarky column on Forbes the other day. His basic argument is that neobanks are over. A few choice passages: The 10 leading neobanks in the US grew by a little more than…

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BY CHRIS M SKINNER

The Finanser’s Week: 20th June 2022 – 26th June 2022

This week’s blog discussions include: Six years since #Brexit, where are we? I don’t talk about Brexit much. As a Remainer, I was gutted Britain voted to leave. That was six years ago. Today is the sixth anniversary of that 2016 vote. In 2018, I left Britain to live in Europe. My sympathies lie in…

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BY CHRIS M SKINNER

The Finanser’s Week: 13th June 2022 – 19th June 2022

The main blog discussions this week included … Welcome to (another) crypto meltdown As a guy who has invested a little in cryptocurrencies, I sat back a year ago in a warm glow. The investment had risen phantasmagorically, and was now worth a good pension. Today? It’s worth almost nothing. Source: Daily Mail What’s gone…

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BY CHRIS M SKINNER

The Finanser’s Week: 6th June 2022 – 12th June 2022

This week’s main blog discussions include … Is digital all it’s cracked up to be? I just sent a payment to a new company. They sent the details and it involved quite a lot of set-up. I then hit the button and bang! There goes $1,000. Thing is that, when you hit that button, you…

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BY CHRIS M SKINNER

The Finanser’s Week: 30th May 2022 – 5th June 2022

This week’s main blog discussions included … 70 facts about money to celebrate 70 years on the throne Today marks the day that celebrates the Queen being the monarch of Britain for the last 70 years, She was crowned on June 2 1952. To celebrate this event, the Daily Mail has published 70 facts about money…

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BY CHRIS M SKINNER

Reading

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The Finanser’s Week: 1st August – 7th August 2022

This week’s main blog discussions include … Another day, another crash, another hack I stumbled across a tweet about Nomad, a cross-chain bridge, that had just had almost $200 million of crypto assets hacked: The cross-chain token bridge Nomad was exploited, with attackers draining the protocol of virtually all of its funds. The total But…

Read More
BY CHRIS M SKINNER

Things worth reading: 5th August 2022

Things we’re reading today include … BlackRock to Offer Crypto for Institutional Investors Through Coinbase Prime How a Crypto Developer Faked a DeFi Ecosystem ‘Financial monsters’: China’s bad banks complicate property crisis Sunak, Truss and the Bank of England are lying to you – the UK economy is weak and rigged Here’s Why Portuguese Banks…

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BY CHRIS M SKINNER

Things worth reading: 4th August 2022

Things we’re reading today include … Bank of England tipped for biggest interest rate hike in 27 years as inflation soars What in the world is happening to fintech? Crypto winter may temper fintech earnings What Sets a ‘Fintech for Good’ Company Apart From the Rest? A pair of hacks rattle an already jittery crypto…

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BY CHRIS M SKINNER

Things worth reading: 3rd August 2022

Things we’re reading today include … Ethereum won’t remain dominant if it doesn’t scale JPMorgan juniors see bonus cuts as banks rein in pay costs French bank MD’s terrible tantrum over his $420k bonus Why do UK banks seem so optimistic despite the cost of living crisis? Digital bank launches ‘competitive’ account with 2.95% interest…

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BY CHRIS M SKINNER

Things worth reading: 2nd August 2022

Things we’re reading today include … How IBM aims to support innovation in the fintech sector The future of stablecoins is commercial bank money Danish fintech Ageras buys German neobank Kontist Deutsche Bank staff broke its own rules to enable clients to siphon off millions of euros in government revenues Bank Employee Allegedly Embezzles US$1.1M…

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BY CHRIS M SKINNER

Things worth reading: 1st August 2022

Things we’re reading today include … Bank branches are disappearing before our eyes. How many will be left? The Bank walks a tightrope — can it avoid falling off? Deutsche Bank broke its own rules in enabling tax fraud, probe finds A tale of two surveys: Fintech VCs change tune on investment landscape China Banks…

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BY CHRIS M SKINNER

The Finanser’s Week: 25th July 2022 – 31st July 2022

This week’s main blog headlines include … What’s your purpose? I find the world fascinating. Humans are amazing. We just launched the James Webb Telescope to see world’s formed billions of years ago and the Elizabeth Line. Both are engineering projects of immense challenge, and immense cost, as covered by many documentaries. Then I read…

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BY CHRIS M SKINNER

Things worth reading: 29th July 2022

Things we’re reading today include … Can Fintech Turn Around Our Collapsing Economy? In Fintech, 2022 Is Becoming The Year Of Layoffs Bankers who quit for fintech return to banking Hundreds of customers queueing outside Bank of China in Sydney, as five institutions have their entire fortunes FROZEN amid fraud allegations UK bank branch closures:…

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BY CHRIS M SKINNER

Chris’s latest book

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

Global Awards

Best CEO of the Year UK 2022

Best Digital Finance Provider of the Year UK 2022

Best Financial Markets Adviser of the Year UK 2022

Portal to the Knowledge Base of the Financial Services Club UK 2022

Financial Markets Advisor of the Year UK 2022

Corporate America Today Annual Awards

Best Financial Markets Adviser of the Year UK 2022

Portal to the Knowledge Base of the Financial Services Club UK 2022

Financial Markets Advisor of the Year UK 2022

Best Financial Services Blogger

Nominee of MAD33 2021

Kids creating the future bank | TEDxAthens

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UK’s most influential person in technology

Captain Cake and the Candy Crew

Captain Cake Winner of a Golden Mom’s Choice Award

TWO-TIME WINNER OF A MOM’S CHOICE GOLD AWARD!

TheNextWeb – #tnw

Learn more about Chris

About Chris Skinner

Digital Bank Presentation

Digital Bank, May 2014 from Chris Skinner

Alex at the Financial Services

Gaping Void's Hugh MacLeod worked with the Finanser