Chris Skinner's blog

Shaping the future of finance

Digital Bank

I know I need to change … but into what?

In most presentations, I use this quote from Charles Darwin: It is not the most intellectual of the species that survives; it is not the strongest that survives; but the species that survives is the one that is able best to adapt and adjust to the changing environment in which it finds itself. Although he…

Why is the bank asking me if I’m a Mr, Mrs or Ms?

A new Pew Research report documents that, in 2021, 68% of 25-year-olds were living outside their parents’ home, 22% were married and 17% had a child, according to a Pew Research Centre analysis of the most recently available Census Bureau data. In 1980, 84% were living on their own, 63% were married and 39% had a child, the report said….

The world of opportunities, if you know where to look

2023 is proving to be a punishing year for banks, finance, technology and fintech. Firms have seen massive downgrades of their market cap, and we have seen the demise of major companies ranging from Silicon Valley Bank, First Republic and Credit Suisse. Some say that this is a crisis. However, it seems more like a…

How AI will impact your business

Some people may think McKinsey are a dark force, but their research is pretty good. In the latest white paper, they summarise what is happening with AI and GPT (Generative Pre-trained Transformer) and, with all the buzz around ChatGPT and BankGPT, the paper is worth sharing here. These are the key take-aways: Generative AI’s impact…

Europe’s new payments regulation – from PSD2 to PSD3

I’ve always expected a PSD3 (the third European Payment Services Directive), as PSD2 had flaws. For example, banks were complaining that an OpenAPI for Trusted Third Parties is fine, but what about a reciprocal agreement or, if you prefer, why should we give them our data if they won’t give us theirs? Or maybe you…

The launch of the digital euro was yesterday

Yesterday, the European Union kicked off the digital euro proposals focused upon ensuring cash is still accepted, whilst complementing cash with a digital version of the euro. The two proposals are summarised as: A legislative proposal on the legal tender of euro cash to safeguard the role of cash, ensure it is widely accepted as a means…

Making banking better for the bank and the customer

The username and password began to appear with technologies back in the 1960s although some might say they even date back two thousand years. Over the past half century we have also added more security systems for banking. The start of change was when we introduced a 4-digit PIN for getting cash. Funnily enough the…

The relationship between banking, fintech and the Titanic

I hesitate to write this, as it is controversial. But then I am not afraid to confront controversy. After the tragic implosion of Titan, the OceanGate submersible submarine that was doing the deep dive to the Titanic … … emails came to light where the founder of OceanGate, Stockton Rush, flagrantly disregarded warnings that the…

What is the future?

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About Chris Skinner

The Past, Present And Future Of Banking, Finance And Technology

Fintech expert Chris Skinner: countries need digital transformation to remain competitive

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Chris’s latest book

Chris Skinner’s ‘Digital For Good’ Book Launch Event – CFTE

Top 50 Global Thought Leaders and Influencers on FinTech 2023

Chris Skinner
Commentator, CEO of The Finanser and best-selling author at The Finanser

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Global Awards

Chris Skinner - Financial Markets Advisor of the Year - The Finanser - UK 2023

Best Financial Markets Advisor of the Year 2023

30 Best Regtech Blogs and Websites 2023

Kids creating the future bank | TEDxAthens

Captain Cake and the Candy Crew

Captain Cake Winner of a Golden Mom’s Choice Award


Alex at the Financial Services

Gaping Void's Hugh MacLeod worked with the Finanser