Chris Skinner's blog

Shaping the future of finance

Digital Bank

Can the Bankosaurus jump the asteroid?

There are regular forecasts of the end of banking as we know it … “Digital wallets are the Kodak moment of banking” – @BrettKing, renowned banking futurist began our Financial Services Horizons webinar today with discussions on the future of banks and financial services in the region. Stay tuned for more insights over the next…

Visa: It’s a war between their AI and our AI

Thanks to David Birch, I just watched this one hour episode about the history and development of bank cards, hosted by Professor Hannah Fry on the BBC.   I’m well aware of how cards started which dates back to when Frank McNamara forgot his cash and check book and created Diners Club back in the…

Is FinTech really disruptive?

It’s interesting how often I see the word disruption, or things like incumbent and old. And yet, after almost twenty years of such discussion, has the old incumbent been disrupted? It doesn’t seem that way, as borne out by two articles I picked up on this week: JP Morgan remains world’s biggest systemically important bank;…

I got a new credit card. Woo-hoo! Uh-oh …

I tried to make a payment … but it doesn’t work. Oh no ☹ So I called the bank. I waited … I waited … I waited … I waited … I waited … I waited … I waited … I waited … I waited … I waited … I waited … I waited ……

If I cannot call you, I won’t deal with you

I’ve recently been dealing with a company that has historically been a good provider of service. I’ve used them for years. Suddenly, things broke down. The main issue is that they only provide a digital service now. There is no call centre – there used to be one; there’s now just an online service –…

Digital is a mindset, not a project

FedNow is a new faster payments service for America. It’s been developing for years, and will go live in 2023 and yet, in conversation with an American friend, only 1 in 10 banks are ready for this. Why? Well, the issue lies in change. Fast change or slow change? In fact, a friend recently resigned…

Want to learn how to do digital transformation right?

I just started a Digital Transformation Course in partnership with CFTE. It’s a course all about Digital Transformation of financial firms. You can sign up here:, and here’s what you get: Week 1: What is a bank? This week discusses the history of banking and finance, how it is formed, why it is regulated…

If you’re APPy and don’t know it, take my money

I recently had a chat with Kjeld Herreman, Head of Strategy Advisory at RedCompass Labs, about the increasing impact of Authorised Push Payments (APP) on the financial industry and its customers. In case you’re not aware of APP, it’s where a customer authorises a payment to a criminal, typically due to being fooled into thinking…

Do we need CBDCs?

I was called out by Nick Kerigan, Head of Innovation at SWIFT, when I accused SWIFT of becoming a sloth a year ago. So, I was interested in the latest announcement that shows the aim of SWIFT to be the arbitrator of CBDCs (Central Bank Digital Currencies): SWIFT has successfully shown that Central Bank Digital Currencies…

The top technologies for banks now and next year

Two big consulting firms just released interesting reports about technology trends: McKinsey and Bain. McKinsey’s report focuses upon the technologies that matter most, and found 14! As usual, being consultants, they had to put them into a complex chart. And then they assess the impact of these 14 technologies by industry. For financial services, the…

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

Digital Transformation Programme

Learn directly from from one of the most influential people in technology, gain insights from the world's most innovative companies, and build a global network.

Top 50 Global Thought Leaders and Influencers on FinTech 2022

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

Thinkers360 Thought Leader

Contact Me

Best Financial Services Blogger

Chris’s latest book

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

Global Awards

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

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

Nominee of MAD33 2021

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

Kids creating the future bank | TEDxAthens

Join me on Linkedin

Follow Me on Twitter!

UK’s most influential person in technology

Captain Cake and the Candy Crew

Captain Cake Winner of a Golden Mom’s Choice Award


TheNextWeb – #tnw

Learn more about Chris

About Chris Skinner

Presentation at ZBP, September 2020, Warsaw, Poland

Alex at the Financial Services

Gaping Void's Hugh MacLeod worked with the Finanser

What is the future?

Learn more