Digital Bank
Why Digital Identity Is the New Currency
For centuries, we’ve relied on paper, plastic, and people to prove who we are. A signature, a passport, a nod from someone who knows you — the analogue scaffolding of identity. But in a world where everything is going digital, why are we still treating identity like it’s 1995? Let me be blunt: digital identity…

Create a fake Chris in minutes, thanks to AI
In a disturbing new development using AI, I can generate a fake passport in minutes that would fool Revolut and Binance for account opening. This was a discovery by Polish researcher Borys Musielak using ChatGPT-4o, who created a fake passport in five minutes You can now generate fake passports with GPT-4o. It took me 5…

How can you prove you are you?
I’m working on my next book which is due for release in spring 2026. The theme is all around how to trust in a deep fake world. As a result, I’ve been talking to a lot of people – technologists, bankers, policymakers, ethicists, hackers (some reformed, some not) – and the conversations is around the…

When digital goes down
Well, not exactly digital but electrical. We saw the massive issue that created at Heathrow airport recently, but I’ve been personally affected by the same issue. Long story short, we have an electric gate at our property, and the electrics keep breaking down. Result? We are either locked in or locked out of our property….

If God was a [Digital] Banker
Some days, I sit and pray that God will give me more money, more opportunity and more hope. Luckily, now he/she/they can, thanks to the Church Bank of Greece. In an interesting move, shared with me by Arjun Vir Singh, a Partner with Arthur D. Little, the Church of Greece is opening a digital bank! The Church…

The issue with digital
In my presentations these days are five key themes: the fintech revolution; cryptocurrency creation; distributed ledger technology; the AI world; and quantum disruption. I could add to the list – the metaverse, 6G+, robots, etc – but these are the top five in the financial world I live in. Then, when you sit back and…

AI will create 170 million jobs while replacing 92 million … the question is: what jobs?
Every day there are more and more headlines about artificial intelligence (AI) AI and its impact on life, the world and the future. The latest one is a good one, which is AI is creating more jobs than replacing them! This comes from the World Economic Forum, whose latest report forecasts that, over the next five…


Chris Skinner Keynote, April 2025, Europe
Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us
What is the future?

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