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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...

Branches – the last word?

Some of you may have noticed that Michael Goldman has recently joined the Finextra community to blog and has decided to create a debate with me over my blog entry last week.  Now, there's nothing I enjoy more than a debate and so it's nice to finally have one online.  …

Read More »

Branches – the last word?

Some of you may have noticed that Michael Goldman has recently joined the Finextra community to blog and has decided to create a debate with me over my blog entry last week.  Now, there's nothing I enjoy more than a debate and so it's nice to finally have one online.  …

Read More »

Branches – the last word?

Some of you may have noticed that Michael Goldman has recently joined the Finextra community to blog and has decided to create a debate with me over my blog entry last week.  Now, there's nothing I enjoy more than a debate and so it's nice to finally have one online.  …

Read More »

‘Clearing and settlement barriers removed in 2008’

On Monday, David Wright, Director, Financial Services Policy and Financial Markets at the European Commission, made an interesting statement of policy work around European Clearing & Settlement in the Securities markets. Here’s his words as I captured them (e.g. not 100% accurate but the essence): "What we are trying to …

Read More »

‘Clearing and settlement barriers removed in 2008’

On Monday, David Wright, Director, Financial Services Policy and Financial Markets at the European Commission, made an interesting statement of policy work around European Clearing & Settlement in the Securities markets. Here’s his words as I captured them (e.g. not 100% accurate but the essence): "What we are trying to …

Read More »

‘Clearing and settlement barriers removed in 2008’

On Monday, David Wright, Director, Financial Services Policy and Financial Markets at the European Commission, made an interesting statement of policy work around European Clearing & Settlement in the Securities markets. Here’s his words as I captured them (e.g. not 100% accurate but the essence): "What we are trying to …

Read More »

Bank designs versus architecture

I’ve been having an ongoing debate with some folks in the Finextra community for the last week over branch versus IP architectures, and it is clear that some people are confused so I will try to explain again. The discussion I started last week was all about architecture, which is …

Read More »

Bank designs versus architecture

I’ve been having an ongoing debate with some folks in the Finextra community for the last week over branch versus IP architectures, and it is clear that some people are confused so I will try to explain again. The discussion I started last week was all about architecture, which is …

Read More »

SEPA: why is e-invoicing missed out?

More on my euro week and it’s funny how the world goes around, what goes up must come down, tomorrow is another day, and e-invoicing is not part of SEPA.  The European Payments Council (EPC), which comprises the bank policymakers of SEPA, has explicitly said so: e-invoicing is not part …

Read More »

SEPA: why is e-invoicing missed out?

More on my euro week and it’s funny how the world goes around, what goes up must come down, tomorrow is another day, and e-invoicing is not part of SEPA.  The European Payments Council (EPC), which comprises the bank policymakers of SEPA, has explicitly said so: e-invoicing is not part …

Read More »

SEPA: why is e-invoicing missed out?

More on my euro week and it’s funny how the world goes around, what goes up must come down, tomorrow is another day, and e-invoicing is not part of SEPA.  The European Payments Council (EPC), which comprises the bank policymakers of SEPA, has explicitly said so: e-invoicing is not part …

Read More »

SEPA: to interchange or not to interchange

There were plenty of discussions at the European Parliament about SEPA, but most of the discussions narrowed down to the current top-of-mind issues related to card and interchange fees.  With the decision on MasterCard’s Interchange fees about to be handed down, here’s a flavour of the discussion as presented in …

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EU love-in between politicians, bankers and regulators

After eighteen months, the European Parliament once again opened their doors to a dialogue about the state of European financial services.  With a series of presentations and top-notch speakers, we review: “The implications for EU integration of globalised financial services” “Can the EU legislative framework cope with cross-border developments, worldwide …

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To dump or not to dump the branch

I never knew how much debate could be created by making the mere statement of placing IP-enabled networks at the core of the bank and re-engineering to exploit this as the basis of future banking.  This is instead of placing branch networks at the core. Some people believe this is …

Read More »

To dump or not to dump the branch

I never knew how much debate could be created by making the mere statement of placing IP-enabled networks at the core of the bank and re-engineering to exploit this as the basis of future banking.  This is instead of placing branch networks at the core. Some people believe this is …

Read More »