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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...

China’s breaking the superapp

I’ve been amazed at the rise of superapps in China. Alibaba and WeChat allow you to socialise, ship and buy anywhere, anytime. It came home to me when I was shopping in a Chinese store and my Chinese friend said: let me just check the price of this on Taobao. …

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Things worth reading: 25th March 2021

Things we’re reading today include … Big banks’ trillion-dollar finance for fossil fuels ‘shocking’ Bitcoin is a safer option than using a traditional bank Crypto is a ‘speculative vehicle’ and should be regulated, says boss of central bank group BIS JPMorgan to Buy $410 Million Stake in Chinese Bank’s Wealth …

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What is normal?

I’m watching the news. We’re all locked down. Britain just introduced £5,000 fines for unnecessary travel whilst the TV correspondents interview their counterparts in Dubai who say that they get massive fines for not wearing face masks. What is going on? It’s a really weird world where you are punished …

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Things worth reading: 24th March 2021

Things we’re reading today include … What would Google do to reboot banking? Norway is the world’s most cashless country – but its central bank isn’t keen on bitcoin Wall Street banks diverge in views on bitcoin boom Bank lending to fossil fuel industry down 9% in COVID-hit year Citigroup …

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How China’s FinTech is changing everything

I joined a Clubhouse discussion the other day – Clubhouse? What? – and discussed Chinese FinTech and its impact on the rest of the world. I really enjoyed the conversation and it was nice that my friend Sophie Guibaud summarised it afterwards. I asked her if she would let me …

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Things worth reading: 23rd March 2021

Things we’re reading today include: Revolut applies for a US bank charter Zopa raises £20m to expand digital bank Bank branches to disappear by 2034 China’s central bank to prioritise green finance JP Morgan upgrades Lloyds Banking Group Digital Banking Trends Evolve In 2021, But Customer Needs Stay The Same …

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Things worth reading: 22nd March 2021

Things we’re reading today include … Bitcoin’s days are numbered as technology develops, warns Bank of England governor Andrew Bailey Why MicroStrategy CEO Michael Saylor Bet Company Cash on Bitcoin UK economy on course for a rapid recovery as restrictions ease, Bank of England’s chief economist predicts Millions of UK …

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Why living purely digital is nuts

Building on this discussion, I got into an online argument with someone who accused my views of being generational, e.g. old people want face-to-face, young people don’t care. They argued that sex will be better in virtual worlds and no one needs to go out anymore. They believe we can …

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Things worth reading: 19th March 2021

Things we’re reading today include … Bank of America Sees DeFi ‘Potentially More Disruptive Than Bitcoin’ HSBC in Talks to Sell French Retail Bank to Cerberus Singapore bank turns on face verification at ATMs Deutsche Bank investment bank revenues to swell by 20% in first quarter Bank of England keeps …

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Things worth reading: 18th March 2021

Things we’re reading today include: Morgan Stanley becomes first major U.S. bank to offer clients access to bitcoin funds Bank of America slams ‘volatile’ and ‘impractical’ bitcoin Investors warm to Lending Club, the fintech that became a bank Commonwealth Bank launches buy-now-pay-later product in a bid to capture more Millennial …

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Crime will never go away

I got a couple of reports in my inbox at the same time about the same thing: cybercrime. Putting this in context personally, I got an email from British Airways saying that SITA had been hacked. Dear Customer, We take the protection of your data very seriously (really?). We have …

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Things worth reading: 16th March 2021

Things we’re reading today include: What would Google do to reboot banking? JPMorgan Staff Said A $1.1 Billion Deal Might Be Corrupt. The Bank Sent The Money Anyway. Goldman, Citi Lead U.S. Banks Plowing Billions Into China Britain’s NatWest bank faces money laundering charges Bank governor under fire for role …

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