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Why new banks should also be worried

Digital Bankby

New banks have great opportunities. They can fix all the things old banks do badly, using a clean sheet of paper. But sometimes they get it wrong. For example, many are fans of Monzo, one of the fastest growing UK challenger banks. I’m a fan, but have noticed one issue that keeps getting social media…

Why old banks should be worried


I had an interesting comment the other day from a friend who said that he had worked with incumbents and start-ups. The big difference is that the incumbent views digital as a cost-cutting exercise, whilst the start-up sees it as a customer-enhancing opportunity. It rang a bell with me. Having spent so long dealing with…

Is bitcoin’s energy usage the wrong question


I just spotted a spoof story on The Onion which, if you’re not aware, is a humour website of news stories. Their latest one: Study Finds Processing Power Wasted Mining Bitcoin Only Thing Preventing Sentient Computers From Wiping Out Humanity It made me laugh but, at the same time, made me think. Is bitcoin that…

You are the Apple of my wallet

Digital Bankby

I never used the Apple wallet until recently. Reason being that I didn’t need to. Then the pandemic hit, and I wanted to avoid using cash, so all of my cards that would work with Apple loaded into the phone. Interestingly some cards would not load but hey, contactless and cardless is the way. Then…

The metaverse will be worth trillions

Digital Bankby

I stumbled across an interesting white paper from Citi the other day saying that the metaverse is an $8 to $13 TRILLION opportunity: “The total addressable market for the Metaverse could be between $8 trillion and $13 trillion by 2030, with total Metaverse users numbering around five billion. But getting to that market level is…

Ukrainian FinTech is very much alive and kicking #StandwithUkraine


I have spent time in Ukraine and Russia in the past, and live next to the borders (my base is Warsaw these days). It has been a challenging time and so I reached out to Rostyslav Dyuk … … Chairman of the Board at the Ukrainian Association of FinTech and Innovation Companies (UAFIC) to give…

Crypto: tax it, regulate it, subsidize it


I was reminded the other day of a quote by Ronald Reagan: “If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it.” He said this in the 1980s about the government’s view of the economy, but let’s apply it to cryptocurrencies. Initially irrelevant but now mainstream, many…


Digital Bankby

I’ve been looking at where we are in 2022, compared with 2012. In 2012, everyone was talking about FinTech disrupting and destroying the dinosaur banks; in 2022, banks are buying FinTechs and even launching their own start-up FinTechs Things have changed. I blogged a while ago about the phases of FinTech we’re going through, and can…

Should we be calmer about #Klarna?


Back in 2015, I interviewed Nikolas Adalberth, a co-founder of Swedish FinTech unicorn Klarna. Little did I know back then that they would be of the biggest stars of FinTech and the creators of BNPL, the Buy Now Pay Later, revolution Is it a revolution? Not really. It’s just another form of credit, but people like…

The pandemic has changed customer behaviours forever

Digital Bankby

If you didn’t read my blog last week asking whether the pandemic had transformed banking to be digital forever (answer: no), what is obvious is that the pandemic has changed consumer behaviours forever. This was brought home to me when reading the Forbes-Ipsos survey of American consumers views of digital banking. The survey took place in…

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

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Digital Bank, May 2014 from Chris Skinner

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