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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...

Clearing and Settlement: it’s time for action

Brussels. 1998. A small, windowless room, in the lower halls of the European Parliament. The euro is almost here and the European Central Bank has just been inaugurated. High value settlement systems are in play and central banks can process euro’s across the Eurozone therefore. Phew! This meeting has been …

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Capital Markets are the same as eBay

We make the financial world incredibly complex and, because I’m going to spend the whole week talking about Clearing & Settlement, we need to simplify it. In order to do that, I thought I would relay a conversation I had over the weekend where I tried to explain capital markets …

Read More »

Capital Markets are the same as eBay

We make the financial world incredibly complex and, because I’m going to spend the whole week talking about Clearing & Settlement, we need to simplify it. In order to do that, I thought I would relay a conversation I had over the weekend where I tried to explain capital markets …

Read More »

Capital Markets are the same as eBay

We make the financial world incredibly complex and, because I’m going to spend the whole week talking about Clearing & Settlement, we need to simplify it. In order to do that, I thought I would relay a conversation I had over the weekend where I tried to explain capital markets …

Read More »

Royal Bank of Scotland in F-word scandal

Well I never.  The Royal Bank of Scotland’s insurance division, Churchill, are in deep water over their latest advert using the Whitesnake song, "Here I Go Again", as background.  No, not for using the Whitesnake song, but for sneaking in the F-word at the end of the advert.  Listen to …

Read More »

Royal Bank of Scotland in F-word scandal

Well I never.  The Royal Bank of Scotland’s insurance division, Churchill, are in deep water over their latest advert using the Whitesnake song, "Here I Go Again", as background.  No, not for using the Whitesnake song, but for sneaking in the F-word at the end of the advert.  Listen to …

Read More »

Virtual banking worlds become more realistic

For a while now, I have not posted a story about Second Life or other virtual worlds in banking … because there has been no story to tell.  This is because the virtual bank collapses in Second Life during the summer of last year took the shine off this area …

Read More »

Virtual banking worlds become more realistic

For a while now, I have not posted a story about Second Life or other virtual worlds in banking … because there has been no story to tell.  This is because the virtual bank collapses in Second Life during the summer of last year took the shine off this area …

Read More »

Virtual banking worlds become more realistic

For a while now, I have not posted a story about Second Life or other virtual worlds in banking … because there has been no story to tell.  This is because the virtual bank collapses in Second Life during the summer of last year took the shine off this area …

Read More »

Can a billion people be wrong?

During the last year, we’ve all enjoyed the rise of social media and social networking, with many of us now happily Twittering, Facebooking, Beboing, StudiVZing, MySpacing, Cyworlding, Mixiing, QQing or whatever takes your fancy. In fact, the numbers are quite incredible. Considering most of these sites had virtually no users …

Read More »

Can a billion people be wrong?

During the last year, we’ve all enjoyed the rise of social media and social networking, with many of us now happily Twittering, Facebooking, Beboing, StudiVZing, MySpacing, Cyworlding, Mixiing, QQing or whatever takes your fancy. In fact, the numbers are quite incredible. Considering most of these sites had virtually no users …

Read More »

Business versus Technology, Part 2

I had a conversation yesterday which builds upon a previous blog. The conversation resulted in an insight which seems pretty obvious, but may be rarely stated. Operations people understand the business, technology people don’t. Read more …

Read More »

Business versus Technology, Part 2

I had a conversation yesterday which builds upon a previous blog. The conversation resulted in an insight which seems pretty obvious, but may be rarely stated. Operations people understand the business, technology people don’t. Read more …

Read More »

Chinese bank customers queue in desperation

Today was a really funny day. I'm in Hong Kong and have a bit of time to walk around before my first meeting here, so I go out and about, up and down the Nathan Road, which is one of the main streets of Kowloon near my hotel. As I'm …

Read More »

Chinese bank customers queue in desperation

Today was a really funny day. I'm in Hong Kong and have a bit of time to walk around before my first meeting here, so I go out and about, up and down the Nathan Road, which is one of the main streets of Kowloon near my hotel. As I'm …

Read More »