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Digital Bank

But money can’t buy me love?

Digital Bankby

I was thinking about the balance between money, wealth and power, versus health, happiness and love. Is it versus or is it inclusive? Is happiness related to wealth, or is it true that money can’t buy you love? Obviously it’s an existential question and, tbh, I’ve met many happy people who are dirt poor and…

Should you have ‘bank’ in your brand?

Digital Bankby

The Financial Brand published an interesting piece challenging the use of the word bank in a brand. It got me thinking, and agreeing with their summation, which is yes. Sure, you can have Chime, Chase, Citizens and Truist, but is that the right thing. In fact, on the last point, the use of the word…

What do banks need to do to deal with FinTech?

Digital Bankby

I picked up an article talking about 16 Ways Banks Will Need To Change To Survive Advances In Fintech in Forbes. It’s a survey of an expert panel that cites that banks must do the following action points: Become Nimble And Decentralized Incentivize Culture Change Combine Security With Blockchain Technology Lean Into People-Centric Customer Service Provide…

Banking: am I bothered?


I am sometimes a Luddite. Today is that day. I woke up and found that a payment was made via a direct debit for a service I no longer use. It’s an annual payment, and I’d forgotten to cancel it. It was for $500. I was irritated, to say the least. I then realised I…

The K-curve economy, where upside is digital and downside is physical

Digital Bankby

I’ve talked a little bit about a K-shaped economy. The upside of the K is digital; the downside is physical. This really struck home with me when I saw the latest retail sales developments in the UK. According to the Office of National Statistics (ONS), Brits now order a third of their shopping on apps…

What are Stablecoins?


The Federal Reserve issued a paper about stablecoins at the end of January. There’s lots of good content there, but I particularly liked the way in which they opened the discussion which I have copied here (for full report click here). The basics of stablecoins Stablecoins are digital currencies recorded on distributed ledger technologies (DLTs),…

Does the regulator think that banks are clouding the issues?


During the lockdown, banks moved rapidly to sign cloud contracts. Thing is they were signing with the likes of Amazon, Google and Microsoft, but these are all American firms. Where are the European ones? I raised this issue two years ago, but it is now coming to a head as new rules require banks to…

On the trail of the lonesome bank …

Digital Bankby

Banks are loners. They do it all internally. They don’t want outsiders stepping in. Too much risk. Leave us alone. Thing is, that doesn’t work anymore. Today, banks are just a component on the network of finance. They are just part of an ecosystem on a platform. Do they understand this? I don’t think so…

Have big banks lost the plot?

Digital Bankby

I’ve said for some years that digital challenger banks will not break the stranglehold of the big banks on the retail banking space. Am I wrong? According to a new report by the UK regulator the Financial Conduct Authority (FSA), things are changing fast. Around one in 12 (8%) personal current accounts are now held…

What would you spend $12 billion on?

Digital Bankby

I was intrigued by the announcement by JPMorgan Chase that they’re spending $12 billion on technology this year. Admittedly, I’ve been tracking this and it seems to go up by around a billion year-on-year. Although this is up 25% on 2020, the bank had said they were investing $11 billion in 2019. And they’re not…

Chris’s latest book

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

Global Awards

Best CEO of the Year UK 2022

Best Digital Finance Provider of the Year UK 2022

Best Financial Markets Adviser of the Year UK 2022

Portal to the Knowledge Base of the Financial Services Club UK 2022

Financial Markets Advisor of the Year UK 2022

Corporate America Today Annual Awards

Best Financial Markets Adviser of the Year UK 2022

Portal to the Knowledge Base of the Financial Services Club UK 2022

Financial Markets Advisor of the Year UK 2022

Best Financial Services Blogger

Nominee of MAD33 2021

Kids creating the future bank | TEDxAthens

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About Chris Skinner

Digital Bank Presentation

Digital Bank, May 2014 from Chris Skinner

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Gaping Void's Hugh MacLeod worked with the Finanser

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