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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 nuances of BaaS

I don’t know if you’ve noticed a new start-up called Column, but it’s worth watching as it’s a chartered bank in America created by the co-founder of Plaid, William Hockey, and his wife Anne. What’s Column all about? The problem the Hockeys are trying to solve is that fintechs and …

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I get knocked down, but I get up again

Life is swings and roundabouts … you win some, you lose some. Life is Sliding Doors moments … you look back and want to change things or wish you had taken that opportunity (Ed: it’s easy in hindsight). Life is what you make it … you cannot change the past …

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Things worth reading: 22nd April 2022

Things we’re reading today include … Expat Bankers Fleeing Hong Kong See No Easy Escape to Singapore Appointment-only late afternoon banking at Santander Bank of England’s remit needs a fundamental rethink Bank of England Says Crypto Has Busted Its Budget in $419M Shortfall The World’s First Regulated Crypto Bank Braces …

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Things worth reading: 21st April 2022

Things we’re reading today include … ‘Panicked’ Russians withdrew $9.8 bln in FX from banks in March Crypto: Bank CEOs address blockchain in earnings calls Which bank has the best business bank account? Microsoft Invests in B2B FinTech Startup Udaan Bank warns over impersonation fraud as cases soar by 300% …

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Why new banks should also be worried

New banks have great opportunities. They can fix all the things old banks do badly, using a clean sheet of paper. But sometimes they get it wrong. For example, many are fans of Monzo, one of the fastest growing UK challenger banks. I’m a fan, but have noticed one issue …

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Things worth reading: 20th April 2022

Things we’re reading today include: The forgotten £20bn: Fortune held in dormant bank accounts and given to charity if customers miss deadline Bank of America joins Wall Street’s profit rout with 12% drop The new sweatiest banks on Wall Street Swedish e-commerce bank Juni emerges out of beta with new …

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Why old banks should be worried

I had an interesting comment the other day from a friend who said that he had worked with incumbents and start-ups. The big difference is that the incumbent views digital as a cost-cutting exercise, whilst the start-up sees it as a customer-enhancing opportunity. It rang a bell with me. Having …

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Things worth reading: 19th April 2022

Things we’re reading today include … Bank of England plans tough new rules on IT resilience, avoiding cloud “concentration risk” and data recovery Barclays: the bank the City has never forgiven Open Banking: EU v. USA Banks Hit by ‘Great Resignation’ of Top Tech Talent An inside look at a …

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Things worth reading: 14th April 2022

Things we’re reading today include … Fast-Moving FinTech Poses Challenge for Regulators BNP Paribas strengthens FinTech focus with Anthemis investment ABN Amro apologises for historical links to slavery European stocks close lower after U.S. inflation print; banking stocks fall; Deutsche Bank tanks 9% New York State pension fund urges bank …

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Things worth reading: 13th April 2022

Things we’re reading today include … Meet Europe’s 19 most active fintech angel investors The top five technologies that will transform the Fintech sector Global Fintech Investment in 2021 The biggest challenges to getting a fintech startup off the ground The latest industry to suffer labour shortages: investment banking Central …

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