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Chris M Skinner

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...

It’s all about the money, money, money

The lockdown pandemic has been interesting from a financial markets’ perspective. First, people withdrew as much cash as they could, worrying that things would be bad, and cash was king. It wasn’t. They didn’t need the cash. They didn’t spend it. In fact, I was particularly struck by this chart …

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Things worth reading: 24th November 2020

Things we’re reading today include … ING & Bank of America: Banks won’t “spring back” to normal after vaccine No-deal Brexit to cost more than Covid, Bank of England governor says Kremlin critic says UK bank account shut because of Russian ‘black PR’ Scotland’s national investment bank launches Pandemic gives …

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Fintech Saudi and Digital Banking

Like most markets worldwide, the Middle East – or is that Western Asia? – has been sorely impacted by the pandemic crisis. Luckily not as much as Europe and the Americas, thanks to strict lockdowns and border closures, but this still creates a new paradigm shift in thinking. A shift towards …

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Could machines be human?

It’s 2020 and, since I was born in 19-whenever it was, I cannot think of a more challenging year. We are being forced to isolate, stay indoors, go nowhere and stay well. As I’ve blogged a few times, that’s good news for digital but bad news for humanity. I think …

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Things worth reading: 23rd November 2020

Things we’re reading today include … Starling becomes first challenger to make a profit Bank of England needs more powers to decarbonise economy, say experts My investment banking mentor was a sociopath Boss of Lloyds Banking Group on track to receive shares windfall just as he bows out of lender …

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The Elephant in the bedroom

I still haven’t managed to get rid of the elephant in the room. In fact, it’s worse now, as he’s moved into the bedroom in the evenings. It makes it really hard to sleep. Yes, I need to sleep on the bed too, but find it hard to sleep as …

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Embedded or autonomous finance?

I’m doing a bit of research work with various companies, one of whom is Salesforce. It’s interesting, as so many people talk today about embedded finance but Salesforce talk about autonomous finance. What is autonomous finance? Namer Aljazrawi, global head of Strategy & Operations for Financial Services at Salesforce, explains. What …

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Things worth reading: 20th November 2020

Things we’re reading today include … IMF: Economy ‘losing momentum’ amid virus second wave The ‘market’ won’t save us from climate disaster. We must rethink our system | Robert S Devine Pension trustees set to block suspect transfers Banking and slavery: Switzerland examines its colonial conscience Wirecard’s Braun says regulators …

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“Necessity is the mother of invention”

I’ve never thought about it much but the saying: “Necessity is the mother of invention” … came back to me today. This came back to me because I was reading an interesting description of what happened in 1815. Do you remember that year? Of course not, probably, but that was …

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Things worth reading: 19th November 2020

Things we’re reading today include … Google redesigns Pay app, opens waitlist for bank accounts with Citi Google moves into Venmo and bank territory with checking accounts and updated payment app Chime CEO says the pandemic is driving torrid growth as traditional banking becomes a ‘relic of the past’ Chime …

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Things worth reading: 18th November 2020

Things we’re reading today include … NAB closes all bank branches due to ‘physical security threat’ Bank of England: Banks have to adjust to digital currencies Cryptocurrency: Bitcoin hits three-year high as investors jump in Covid crisis changing the structure of UK economy, Bank of England chief says Failure to …

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Brace yourself for the Great Unlock

Way back in March 2020 – what month is it now? – I said that lockdown would be a challenge for all. Obviously. Now, so many months later – what year is it now? – it is clear that has challenged all. Personally, I see two massive rifts: the physical …

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Things worth reading: 17th November 2020

Things we’re reading today include … Cheap loans from Bank of England ‘rig the market’, small lenders claim Spanish bank BBVA in merger talks with smaller rival Sabadell Making banking better for billions with next-gen technology Britain decouples from EU with delay to bank and investment rules How Chime Is …

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