Chris Skinner's blog

Shaping the future of finance


Some big questions about the future answered

In discussion with a client the other day, we got into a debate about how to structure the next workshop with management. The result is that there were five critical questions proposed: How far can we automate everything? How can we use technology differently? Can regulators keep up with these changes? Could the network run…

It’s us and them

It’s interesting how people interpret things. Many think it’s old banks versus new banks; branch versus app; physical versus digital; government currencies versus cryptocurrencies; and more. For me, it’s not versus though. It’s and. We live in a world of transition where new and old banks work together well. My old bank does my boring…

What if I am the token?

Just been having a few meetings about the future of payments. Funnily enough, that sounds like the theme of my new book Intelligent Money. The message? Money is embedded, invisible and intelligent. It is ubiquitous, everywhere, anywhere. It is just part of the fabric of the world we live in. But then I thought further, talking…

Has the G20 agreed to launch a global CBDC?

The G20’s central banks announce a global alliance for digital currencies It’s been bubbling away for a while but, as central banks are launching CBDCs (Central Bank Digital Currency) all over the world, there is now a G20 agreement to create a global digital currency. Initiated by Christine Lagarde at the European Central Bank (ECB),…

Caught between the devil and the deep blue sea

I’ve just had several incidents with traditional banks digitally that made me realise they really are faced with big issues. You may have noticed this in my recent blogging, but here are three specific insights that illustrated the point. The first is the fact that I keep having to open the bank’s app to find…

BaaS is nothing new … it started over thirty years ago

Way back in the 1990s, we all talked about object-oriented architectures and modular computing. In the 2000s, I called it Banking-as-a-Service, BaaS, and started presenting the idea around the world. The difference between the 1990s and 2000s was cloud and mobile smartphones. This change was the tipping point from fragmented systems to open platforms, and…

Is it true that challenger banks no longer challenge?

In the 1990s, I got very excited about a number of challenger banks. Sainsburys, Tesco and Virgin all launched new banks in the UK, and there were several others worldwide such as the (David) Bowie Bank and the G&L (Gay and Lesbian) Bank. Where are they now? Nowhere. Sainsbury bank is up for sale, Tesco…

How old banks are alienating GenZ

I have found that several of my major bank account providers have started to question me about various activities from cryptocurrency investments to general document identification and reidentifying who I am. Of course, these are all driven by regulatory requirements for compliance, KYC, AML and such like but, in the process, it has killed my…

Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us

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Chris Skinner
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