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Neobanks running accounts for a tenth of the cost of old banks
I’m always looking for innovations in new banks and spent some time with MYbank, the bank created by Ant Group in 2014. My first visit was in 2017, and the bank was doing well. Focusing upon SMEs, the bank shot to massive growth volumes, making a staggering $30 billion in loans in first quarter 2022…
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Why is Goldman Sachs dropping the Apple?
The Wall Street Journal reported that Apple has sent Goldman Sachs a proposal to end their partnership within the next year, leaving Apple to find a new backer for its financial products. The Apple Card program was launched in 2019 to great fanfare but, within a year, Goldman Sachs was lamenting losses and costs for the partnership….
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The big four drivers of the bank of the future
At another recent conference McKinsey presented. Now it is easy to take a pop at McKinsey but they have produced some useful reports recently, specifically: McKinsey’s Global Banking Annual Review 2023 Fintechs: A new paradigm of growth So, I was interested in their presentation. One slide in particular stood out, titled: the four key drivers…
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Many financial industry climate initiatives are authentic … they’re just not working
In a guest column six years ago James Vaccaro, then Director of Corporate Strategy at Triodos Bank, introduced the United Nations’ Principles of Responsible Banking to my community. Six years later, are they working? Apparently not. In a new guest column, James argues the industry efforts may be authentic, but they need better management to…
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Digital transformation is more to do with inclusion than banking
Space … the final frontier … these are the voyages of the challenger bank Trekkie. Our mission: to boldly go where no bank has gone before. Today, we landed on planet Earth and decided to look at financial inclusion, and the role of banks in ensuring everyone has access to an account. In some countries,…
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When regulators crackdown on crypto, you know that crypto has crept out
The cryptocurrency industry is maturing and, as it does so, the government, statists and regulators are diving in to control it, as are the banks and financial institutions. In fact, it intrigued me when talking with a major institution the other day that they said they could have been Coinbase, if only their management team…
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“We have created a generation of box tickers and button pushers”
Six years ago, I wrote about John Cryan, the then CEO of Deutsche Bank, saying that most people in the bank would lose their jobs to AI. He stated at a German conference that “people behaving like robots doing mechanical things, tomorrow we’re going to have robots behaving like people”. Thirty years ago, showing my…
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The UK sets out plans for stablecoins … do the plans have a major flaw?
After Terra-LUNA, SBF and FTX, and the whole wild west of digital currencies, stablecoins are now in fashion as the Bank of England and Financial Conduct Authority (FCA) outlined the UK plans for legitimising stablecoins yesterday. Bear in mind these are not CBDCs (Central Bank Digital Currencies), but currencies backed by CBDCs, fiat currencies or…
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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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Learn more about Chris
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 Skinner - Financial Markets Advisor of the Year - The Finanser - UK 2023
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Best Financial Markets Advisor of the Year 2023
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30 Best Regtech Blogs and Websites 2023
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Kids creating the future bank | TEDxAthens
Captain Cake and the Candy Crew
Captain Cake Winner of a Golden Mom’s Choice Award
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TWO-TIME WINNER OF A MOM’S CHOICE GOLD AWARD!
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Alex at the Financial Services
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Gaping Void's Hugh MacLeod worked with the Finanser
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