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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...

The true meaning of Open Banking

A year ago I blogged about invisible banking and that I have some issues with it, namely that the bank brand disappears and the customer finds it too easy to spend without thinking. Now, I read more and more about embedded banking, contextual banking, frictionless banking and more, and I …

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Things worth reading: 20th March 2019

Things we’re reading today include …   Forty-year mortgages: life sentence or life raft? Lloyds faces £300m bill for SLA divorce Citi starts up post-Brexit Frankfurt trading hub U.S. bank regulator fines Citigroup $25 million for violating fair lending rules UK to lose £1tn of financial assets to Europe due …

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Things worth reading: 19th March 2019

Things we’re reading today include … Are 40-year mortgages becoming the new normal? U.S. firm FIS buys Worldpay for $35 billion in payments deal bonanza FIS/Worldpay: thrust and parricide Goldman Sachs sets targets for Hispanic and black entry-level hires Why has the US Fed turned away from interest rate rises? …

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Women in FinTech: do you care?

I’ve written quite often about Sexism in the City and am intrigued by discussions of diversity, or the lack thereof, in both banking and technology. Google and more have been told they’re not hiring enough women, and Amazon’s AI engine recently trained itself to ignore women’s applications based on historical hiring. …

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Things worth reading: 18th March 2019

Things we’re reading today include … Regulators press for overhaul of Metro Bank board UK bankers on standby as City readies no-deal contingency plans More than £100bn of UK property is secretly owned Brexit spurs biggest cut in UK business investment in 10 years: BCC Banks discriminating against the vulnerable, …

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Things worth reading: 15th March 2019

Things we’re reading today include … Top 10 Fintech Companies to Watch in 2019 Berlin’s Bad Bank Idea Cryptocurrencies Pose Risks to Banks, Warns Basel Committee Nine banks win dismissal of Canadian rate-rigging lawsuit in U.S. U.S. considers sanctions to restrict Visa, Mastercard in Venezuela: official BBVA honorary chairman ‘temporarily’ …

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Which camp are you in?

There are five camps out there. The first is the FinTech camp. This camp sit around the campfire and go “down with banks, down with banks”. They believe banks are out-dated legacy firms who have no idea about the modern age of technology. They believe banks are money-grabbing Shylocks, purely …

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Things worth reading: 13th March 2019

Things we’re reading today include … For all their high hopes, the challenger banks have finished up on the ropes Why are Banks reluctant to Bank Crypto? Bank of England ‘must practice what it preaches’ Monzo pips First Direct to top our customer service poll Wonga compensation claims rise fourfold …

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Things worth reading: 12th March 2019

Things we’re reading today include … Wells Fargo’s CEO says the bank has changed. Congress isn’t so sure Deutsche Bank’s Arranged Marriage Gets Shove From ECB Sweden Wants a Bank Tax That ‘Really Hits’ the Right Targets NatWest trials fingerprint debit cards to remove £30 limit Brexit fallout on UK …

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What is better: some job or no job?

This is an old but true story of my very own. Back in the day, I worked for a computer firm that had a unique piece of hardware and software called the Contents Addressable File Store, or CAFS for short. I was the marketing manager for this remarkable piece of …

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