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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...

Why is Open Banking so scary?

The UK implemented Open Banking in January 2018 and now, almost two years later, you would think it’s doing really well. This is why the momentum is building. The Open Banking Implementation Entity (OBIE) shared figures that show there are 49 million data sharing requests monthly, doubling in just seven …

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Things worth reading: 16th December 2019

Things we’re reading today include … Bank accidentally puts $37MILLION into woman’s account Meet the biggest bank you’ve never heard of Sustainable investors face squeeze as larger firms move in Goldman Sachs to stop financing new drilling for oil in the Arctic Nuns take on BlackRock over climate change UK …

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Catch 22: to die or maybe die?

As it’s Friday the Thirteenth I thought I’d cheer you up with yet another core systems renewal story. There’s a great article that resonated with me in the Financial Times the other day, talking about ‘technical debt‘. The line that has stayed with me is this one: “Stripe estimates that …

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Things worth reading: 13th December 2019

Things we’re reading today include … ING working on digital assets custody technology Battle over Volcker’s rule outlives its creator Central bankers debate tackling climate change Citi, Credit Suisse drop China’s Ucommune U.S. IPO over valuation -sources EU confirms one-year Brexit reprieve for clearing houses America wants the World Bank …

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Things worth reading: 12th December 2019

Things we’re reading today include … This Is What Racism Sounds Like in the Banking Industry Bank of America CEO Brian Moynihan says confident consumers are spending 5.5% more this year Bank of China Issues Bonds via Blockchain Credit Suisse: lowering the bar Banks avoid Hong Kong unrest in research …

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Show me the money!

Someone turned to me the other day, mid-discussion around Facebook and their abuse of customer data, and asked: How did we get here? My answer: Because we let it happen. In the last twenty years, America has allowed big tech firms in Silicon Valley to become monolith giant monopolies of …

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Things worth reading: 11th December 2019

Things we’re reading today include … Deutsche Bank says crypto could replace cash by 2030 Would ‘getting Brexit done’ bring lots of new investment? Lloyds to reopen compensation claims for Reading fraud Victims of HBOS fraud in line for bigger payout Santander UK chief’s pension slashed by £436,000 over two …

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Do users care about their data?

A further discussion about data and the key issue of who should have access. During a recent lunch, we talked about how Chinese citizens allow the government to see all of their digital footprint via Tencent and Alibaba, but they do this for a number of reasons. The advantage of …

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Things worth reading: 10th December 2019

Things we’re reading today include … Subprime lender Amigo faces fresh turmoil as bosses quit Deutsche to cut €100m from German retail banking unit PiggyBank owner collapses into administration Goldman Sachs: less is core Paul Volcker: Former US Federal Reserve chief dies aged 92 Amazon says Trump’s ‘vendetta’ lost it …

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Things worth reading: 9th December 2019

Things we’re reading today include … Global financial watchdogs take aim at Big Tech’s data dominance U.S. banks’ reluctance to lend cash may have caused repo shock: BIS Worrying signs that a great global deregulation has begun Capital One is a banking-peer bargain, even with recent gains: Barron’s Market debut …

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