Home / 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...

How does enthnography relate to banking?

Making a statement I was intrigued by a news headline that Lloyds Bank is turning bank statements into art. Sounds ridiculous? Who gets a bank statement anymore? We use an app. But then I read the piece and was more intrigued as yes, it’s been created with an artist. The …

Read More »

Things worth reading: 27th September 2021

Things we’re reading today include … IMF chief denies trying to boost China in World Bank rankings Central Banks Turning Slowly in Ending Pandemic’s Easy Money Era Bank Australia suffers outage, leaves customers stranded for hours ‘India needs at least 4-5 more banks like SBI’ Evergrande Was Credit Suisse «One-Bank» …

Read More »

Things worth reading: 24th September 2021

Things we’re reading today include … Goldman Sachs executive who led consumer banking launch set to depart Monzo becomes first major bank to launch buy now pay later scheme – here’s how it stacks up Inflation is poised to top 4%: is the Bank of England asleep at the wheel? …

Read More »

Things worth reading: 23rd September 2021

Things we’re reading today include … Payments giant Nexi says it is working on digital euro with the European Central Bank Biden to Tap Crypto, Big-Bank Critic to Run Wall Street Watchdog Fed to release paper on central bank digital currency soon, Powell says Bank of England’s reputation is at …

Read More »

Branches, cash and cards? Get out of here!

I’ve been presenting and writing about the end of branches, cash and cards for twenty years: 2007: Bank strategies are fundamentally flawed – design around IP, not branches To be clear, I’m not saying they’re dead. I’ve been saying their role is replaced by the network and digitalisation. Digitalisation is …

Read More »

Things worth reading: 22nd September 2021

Things we’re reading today include … Banks say draft capital rules make cryptoassets too costly to trade ‘We are not a bank – and you can take that to the bank’, says digital banking CEO Cash-strapped Evergrande missed interest payments due Monday The U.S. Is Losing the Global Race to …

Read More »

It’s all just science ‘fiction’?

I watch too much online these days. Streaming from Amazon, Netflix, Apple TV and more, means you can spend the whole day just binge-watching rubbish. I’ve found myself reverting to watching some older movies, like those made in the 2000s. Fifteen years. 15 years. 15yrs. It’s a long time passing. …

Read More »

Things worth reading: 21st September 2021

Things we’re reading today include … Investment Banking Is Cheap If You’re Rich First-time buyers securing mortgages online as bank branches close JPMorgan Chase’s digital bank launch has a good shot at UK success Recognise Bank given green light to become UK’s newest bank DWP are checking your bank account …

Read More »

Anyone can be a bank … really?

Hmmm … the wonderful Anna Irrera posted an update on Reuters, stating that anyone can be a bank these days, along with her colleague Iain Withers. The article is about embedded finance, a term I dislike. I prefer invisible finance but hey, you win some, you lose some. The article notes …

Read More »

Things worth reading: 20th September 2021

Things we’re reading today include … Bank of Russia to ‘Slow Down’ Payments to Crypto Exchanges, Curb Russians’ Impulsive Investments Covid pandemic fuelling financial crime, says UAE Central Bank World Bank drops Doing Business report after pressure from IMF chief to favour China Banks strike back, but FinTech returns remain …

Read More »

The fine line between banker and jail

Some years ago, I regularly talked about bankers being criminals. It’s not a popular theme with the banking community but, a bit like a genius, bankers walk that line between good and bad. Genius’s walk the line between amazing and mad. It’s a fine line. Thing is that there are …

Read More »