Chris Skinner's blog

Shaping the future of finance


What’s the point of an office?

There are lots of headlines and articles talking about the end of the office. You think about it, and it kind of makes sense. In a digital age, why do we have to go to a physical office? Why do we all cram ourselves into buses, cars and trains every morning and evening and commute?…

Here’s what the new normal looks like

There’s lots of talk about civil unrest, an unjust society, the need for a universal basic income, a change in attitude towards everything from capitalism to socialism to democracy to inclusion. Good discussions but hard to know how it plays out. In many countries, people are suffering so much. They’re starving, they have no government…

You might be staying in more than you expect

When Digital Human came out, its subtitle was The Fourth Revolution of Humanity includes Everyone. The premise was based upon humanity entering a fourth phase where every human on Earth could connect with every other human on Earth by just having a mobile telephone. Not only could they connect, but they could talk, trade, transact and…

The Impact of the COVID-19 Pandemic on Financial Inclusion

I spent some time recently chatting with Joanne Dewar, Chief Executive Officer, Global Processing Services (GPS). I spotted GPS a while ago, and blogged about how they worked with Monzo, Starling, Revolut and more last October. Anywho, Joanne wrote a brilliant piece on the Nasdaq website the other day, which she kindly has given me…

Dealing with a crisis: FinTech versus Bank

The chasm between start-ups and incumbents is massively exposed by coronavirus. I realised this early on, when I saw that FinTech firms who were born on the internet were far more ready for working from home than traditional banks who depend on branches, buildings, office and physicality. A good example is how traditional banks who…

The failure of banks (#coronavirus)

The other day, I blogged about the failure of government in this crisis. Today, I’m blogging about the failure of banks. I am aware that in some countries – the Netherlands seems to be one – there has been great continuance of bank service. Unfortunately, the UK is proving to be one of the worst…

What will the world be like when #coronavirus ends? (Part Two)

I hesitate to write that headline – after all, none of knows when or even if this pandemic will end – but what I do know is that, in this time of crisis, there are lots of things changing: our beliefs, our priorities, our views, our relationships. I sat down and thought about what’s good…

What will the world be like when #coronavirus ends? (Part One)

Most of the people around the world have savings that can last them less than a month. In the USA, 29% of households have less than $1,000 in savings; in the UK, 15% of Brits have no savings at all; and in most economies worldwide, a large tranche of society have only got enough to live…

The politics of pandemics (#coronavirus)

Looking back, the world should have locked down when China did in January. The reason we didn’t? Economics, business, commerce and the financial metrics. If we had? Well, we wouldn’t be suffering nearly as much now. But hey, hindsight is a great thing, isn’t it? One of the things that struck me during all of…

The failure of government (#coronavirus)

I’m really frustrated between what the government is saying, the media is reporting, the behaviour of banks, the thrust of business and the reality of life. Governments worldwide are locking down and, at the same time, saying they’re going to help citizens and business; media is telling everyone there’s help, support, money, aid out there;…

Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us

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