12 reasons why banks don’t innovate
I just got back from the ICEEfest in Bucharest, Romania. It’s a fantastic expo organised by Dragos Stanca and his team, and was very enjoyable even with the master of ceremonies, Jeff Leach, taking the mickey out of me. Jeff is an actor and comedian, and spent the whole conference f-bombing the speakers and the…

90 minutes a year in a branch versus 45 hours on an app
We had a great meeting of the Financial Services Club this week with guest keynote Derek White, Global Head of Customer Solutions for BBVA reporting directly to the CEO, Carlos Torres Vila. Derek is responsible for the drive to transform the customer value proposition, including global product and design, customer experience, launching new products and…

The crazy world of crypto currencies and ICOs
I’m boarding a flight yesterday and murfing (mobile surfing). Flicking between Facebook apps, twitter, bank account, BBC news and more. Suddenly I spot a new ICO – Initial Coin Offering – for a new bank. From Wikipedia: “An initial coin offering (ICO) is a means of crowdfunding the release of a new cryptocurrency. Generally, tokens for the new cryptocurrency are…

A world of smart trading through smart systems using smart data
I was invited to talk to some City folks about using data analytics for trading. It made me pause for reflection, as I’ve been talking about analytics for trading for a long, long time. Twenty years ago in fact. Back in the 1990s, we were taking about object oriented programming, neural networking for stock picking…

The UK election result is good for UK FinTech
I thought I’d wait until after the weekend to write a post about the implications of the UK election results. It’s not my place to write about the pros and cons of the election campaigns, although I will say that the alienation of the elderly and those who are parents by the Conservative’s campaign –…

Digital banks are Copernicus banks (incumbents are with the Flat Earth society)
Twenty years ago, I was working on re-engineering projects. Most of the time I was getting exasperated because the banks wouldn’t take on the big projects, like the mortgage process, as it went across too many divisions. That’s big risk in their view, as it meant disturbing the structure of the organisation. So, we would…

The 50 hottest FinTech firms 2017
I sit on the judging panel for the FinTech 50, now in its fifth year, and the final list was revealed yesterday. Here they are: FinTech50 2017 list unveiled, including 24 new businesses Women leaders feature, with almost 20 percent of The FinTech50 having a female founder or CEO UK companies continue to dominate /…
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?

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
Join me on Linkedin

Follow Me on X!

Hire Chris Skinner for dinners, workshops and more

Chris’s latest book

Chris Skinner’s ‘Intelligent Money’ Book Launch Event
Top 40 UK Fintech Blogs

Lifetime Achievement Award

Kids creating the future bank | TEDxAthens
Alex at the Financial Services

Gaping Void's Hugh MacLeod worked with the Finanser
