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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...

Things worth reading: 6th September 2019

Things we’re reading today include … A new digital bank is scooping up teenage customers before big banks get to them Smile-to-pay: Chinese shoppers turn to facial payment technology Names and phone numbers of 18m British Facebook users found online, prompting privacy watchdog probe UK slips closer to recession as …

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Ripple offer SWIFT an olive branch

Almost every day, there is an announcement of a new payments innovation. From the success of the likes of Klarna, Stripe and Square in retail payments to the growth of new payment mechanisms like Ripple and JPMorgan’s internal settlement engine, the JPM Coin and the launch of digital currencies from …

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The diversity of financial markets

Talking of diversity of views and strange conversations, I was in discussion with an American bank the other day and they asked me if Europe would survive this crisis. I thought they meant Brexit, and started waffling on about whiff-whaff and Boris Johnston but no, they stopped me mid-sentence and …

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The diversity of financial technologies

I was listening to questions at a meeting this week where one of the audience asked if I needed to adjust what I say on my travels, to suit the culture of different countries. I thought about it for a second, and realised that I don’t. I do adjust the …

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We just haven’t got a clue what to do!

I was talking with a CXO of a bank. They are actively engaged in ‘going digital’, but she was sharing with me that the bank’s executive team had no idea what going digital means. Being brutally honest, she told me she had no idea what it means either. I was …

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Who needs a blockchain?

I often say that blockchain is one of the most complex areas, combining all we don’t know about technology with all we don’t understand about finance. It’s a big hole of acronyms, confusion and debate. Some things that claim to be blockchain don’t use blockchains, and some blockchains claim not …

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Do you have a savings goal?

I got an interesting graphic from RBS/NatWest who surveyed their customers about what they’re saving for. The interesting result is the dichotomy between the regions, where it shows that Southern British are saving to buy a house whilst Northerners, Scots, Welsh and Irish are all taking holidays. Something about how …

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The economics of the network

I often talk about the business model of a bank (or any business) being made up of three major parts: A back office that manufactures the product and administers the service; A middle office where the infrastructure is built to connect the back and front office; and A front office …

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Are humans really needed for banking?

I enjoy being around bankers who have been immersed in the industry nearly all of their lives and hearing their war stories. I heard two stories recently from a retiring banker, and thought it worth sharing to show just how far we’ve come. This friend started life in international banking …

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Things worth reading: 23rd August 2019

Things we’re reading today include … U.S. SEC fines Deutsche Bank $16 million to settle foreign corruption charges Can the Fed’s chair shake off the wolves of Wall Street and White House? Jes Staley: the last man in European investment banking Wells Fargo pays $6.5 million to Navajo Nation over …

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