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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...

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 …

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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 …

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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 …

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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 …

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Things worth reading: 17th September 2021

Things we’re reading today include: Starling Bank on what you should ‘take into account’ when opening accounts MPs urge Bank of England to regulate fossil finance towards green investment Slower growth, high inflation make awkward reading for Bank of England Anyone can be a banker these days, you just need …

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I ran over the dog

I didn’t think I should share this, but I will. I ran over the dog. Like many other people during the pandemic, we were finally going to be stuck at home long enough to get a puppy. So, we got one. It made me realise that I’m a cat person. …

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Things worth reading: 16th September 2021

Things we’re reading today include: Fintechs are giving the banks a run for their money Silicon Valley Bank partners Plaid on tokenised payments Running out of dollars, Afghan banks ask Taliban for more cash HSBC issues warning about banking scam that lets fraudsters go on spending sprees Five big questions …

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Banks are creating their own successors

One of the things over-looked by many is how banks invest in the Finverse. According to Toptal’s data, 63% of banks invest in startups or set up accelerators, and many are instrumental in FinTech companies’ operations, fund raising and IPOs. Bear in mind that start-ups need bank accounts too, which …

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Things worth reading: 15th September 2021

Things we’re reading today include … The Power of FinTech Responding to the World’s Humanitarian Crises Bank of England urges banks to wait out EU pressure over euro clearing Bank loyalty costs savers £1.6bn a year in missed interest Which? calls for an end to banks blaming fraud victims Banks …

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What is President Xi’s agenda?

I was talking with a friend in Asia and went back to my traditional discussions of how Asia, Africa and LatAm markets are shaking up finance more than Europe and America. They then asked me the difficult question: But what about President Xi? Urmmm, what about President Xi? Well, it’s …

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Things worth reading: 14th September 2021

Things we’re reading today include … How banks can lose $60 billion to cybercash highways U.S. banks are embracing blockchain payments – here’s why UK firms bank on London’s status as top financial centre 17 Banks Dubbed Hypocrites by Climate Lawyers UK banks could see ring-fencing rules relaxed – report …

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Will you take the red or the blue pill?

What is time? Do you have any idea? What is the time right now? Does it exist? Einstein says ‘no’. “Time does not exist. We invented it.” Some guy called Albert pic.twitter.com/JS9JMfEyJk — Chris Skinner (@Chris_Skinner) August 28, 2021   Building on Einstein’s quote, I used to regularly present that the …

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Things worth reading: 13th September 2021

Things we’re reading today include … Banking tech chief faces claims of bullying Bank of England warns banks over poor regulatory reporting Central banks must ‘act now’ on crypto boom, Benoît Coeuré says FCA warns bank traders over Brexit futures ‘spoofing’ Atom Bank looks to raise more than £40m ahead …

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