Case Studies
Rip it up and start again
I spotted two updates recently. The first is the half a billion dollar mistake at Citigroup. The second is how Amazon created Amazon Web Services (AWS). The two pieces go hand-in-hand. First, how could Citigroup make a billion dollar mistake? User Interface. The mistake was made by a worker in their offshore service centre, who…

The FinTech unicorn created by an old bank #SBI #YONO
Someone rightly pointed out that I talk a lot about Ant Group but not enough about other major initiatives like YONO, the mobile wallet of India. India is also a hotbed of innovation, with Google and Amazon fighting out the financial payments space alongside other players like PayTM and SBI, the State Bank of India….

Square grows up and becomes a bank
This week I’m going to continue looking at mobile payments with a quick overview of where Square, Jack Dorsey’s card payments firm, is today. I’m sure you all saw this headline the other day but, just in case, Square is now worth more than Goldman Sachs. Square! Square. Squared. I used to blog about Square…

The rise of the mobile wallet
I first started blogging about smart mobile wallets in earnest in 2014. Back then, the mobile network operators were starting to get active and to try and bring the M-PESA and other experiences to the modern world. But no one wanted them. Six years later, mobile wallets are still pretty dire in most of Europe…

Financial Services Clouds (an interview)
I was recently asked to interview Likhit Wagle, General Manager, Global Banking Industry, IBM, regarding their new IBM Cloud for Financial Services™ offering. The discussion was interesting so sharing it here for posterity. Chris Skinner: Cloud is something we’ve been discussing for over a decade. Why has it taken so long for banks to…

Should you invest in Ant Group’s IPO?
As someone who’s followed Alibaba, Alipay and Ant Financial – now Ant Group, btw – for a long time, I cannot let their IPO appear without comment. If you haven’t spotted it, here’s coverage in The Wall Street Journal: Ant Group Co., the Chinese financial-technology giant controlled by billionaire Jack Ma, revealed how highly profitable…

Forget about Monzo and Starling, what about Metro Bank, Tandem, Tide, OakNorth and all the other challengers?
Someone asked me about the other challenger and neobanks after yesterday’s blog. I guess we focus upon Monzo, Starling and Revolut, because they are the front-runners. But there’s also Aldermore, Atom, Tide, Tandem, Lintel, Metro, Monese, OakNorth, Zopa and more. Well, I don’t have enough time to write about all of them and I know…

When the banks closed, no-one cared
A great headline posted in The Financial Times the other day: When the banks closed in Wuhan, nobody cared The Financial Times article makes clear how advanced the Chinese economy is today. For several months this year, banks across Hubei province, an area home to 60 million people, shut their doors to retail customers. Most…


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