2020 is K-shaped
Everyone was talking about a V-shaped recovery in March 2020. Then it went onto a dialogue about whether it might be U-shaped or even W-shaped. Now, some economists are talking about a K-shaped economy. Some say this is all about the haves and have nots – the upper half are those with investments, equities and stocks…

It’s all about supply and demand … and right now everyone is demanding from home
My father was a teacher. His expertise focused upon economics. Does it show? I am an economics fan, and studied consumer economics as a specialist subject as part of my university course. The main thing I remember now – quite a few years later – is demand and supply. The more demand and less supply,…

Banks cannot avoid politics
It shows what a complex world we live in within our financial markets. We debate whether companies should get involved in politics, but banks cannot avoid politics. Banks are integral to governments and economies and, as such, are a political tool. Equally, banks choose to operate in markets that could be positive or negative to their…

The FinTech Karaoke Challenge: Googbusters
Everyone keeps talking about Big Tech opening banks. Rather than opening or buying banks, most of the Big Tech firms are partnering with them. Apple and Goldman Sachs make a nice pair as does Google, who partner with a variety of banks to offer financial capabilities. Several of the Big Tech firms have danced around…

New Research Finds Banking Industry Positive on Effects of Covid-Crisis
During the summer I teamed up with a colleague, George Ravich, to research views on the crisis amongst the financial community. We published the results in August, and here’s an update guest blog from George on the process. New Research Finds Banking Industry Positive on Effects of Covid-Crisis Chris Skinner and I set out…

How’s lockdown been for you?
WARNING: LONG READ During the last week, I had a chat with a friend about lockdown. I always start conversations with how’s lockdown been for you? For him, it’s been particularly bad. Based in downtown New York City (NYC), USA, he described how hordes of homeless people, evicted by landlords, have started to create camps…

Can challenger banks climb the mountain?
I’m going to shut up about challenger banks soon, but noted that even the regulator is getting worried about them. After Monzo’s admittance that it may not continue as a going concern if the pandemic continues through 2021, N26 admitting that profit is not their focus, Revolut’s tripling of losses, and more issues out there,…

What is the future?

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