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Shaping the future of finance


Making order from chaos


I talk a lot about libertarian versus statist views in the context of cryptocurrencies. We talk a lot about decentralised finance versus central bank finance in the context of CBDCs and such like. In general, many are discussing democratisation through decentralisation versus centralisation through control. Who wins and who loses? When the network does not…

Should you have ‘bank’ in your brand?

Digital Bankby

The Financial Brand published an interesting piece challenging the use of the word bank in a brand. It got me thinking, and agreeing with their summation, which is yes. Sure, you can have Chime, Chase, Citizens and Truist, but is that the right thing. In fact, on the last point, the use of the word…

Finance and Climate: a guest post from the co-founder of Extinction Rebellion


I’ve recently engaged with Dr Gail Bradbrook, Co-Founder of Extinction Rebellion and asked if she would write a monthly column for The Finanser. Thankfully she agreed and so at the start of each month I will offer Gail a voice on The Finanser. Here is the first one:   Are we paid to be stupid and dishonest,…

NFTs and crypto are all about beliefs


South Park recently did a great skit on NFTs, and one line really resonated with me: The reason the line works so well is that money and finance, markets and companies, countries and laws, are all about beliefs. That’s the basic underlying fundamental. If you believe this contract with this currency authorised by this government…

Can someone dumb down NFTs?


Based on this article from the Verge, I thought I’d give my explainer of NFTs. What does NFT stand for? NFT stands for Non-Fungible Token, an acronym and phrase that no mere mortal understands. The gist of it is the word Fungible. Fungible means it can be replaced by something else. I give you a…

We need to talk about crypto


Crypto is in its usual rollercoaster mode with bitcoin prices halving in January, but then it did the same in January 2021. Regardless of this and, building on yesterday’s blog, there’s an interesting trend I’ve spotted, and it is the reason why bitcoin is not going away. The trend is that if you live in…

What is this Web3?


Lots of folks are talking Web3, but what is Web3 and why isn’t it Web 3.0? I guess, like with all things, we abbreviate and so Web3 is the next wave network that will revolutionize everything. So what is it? Web3, as envisioned by the Web3 Foundation, will be a public internet where data and content…

Can Elon Musk solve world hunger?


The worlds’ rich get richer, and the poor get poorer. Does it always have to be that way? In 2020, the world's super-rich enjoyed a record rise in their wealth. Here's how the world's wealthiest can put their money to use: — World Economic Forum (@wef) January 13, 2022 Not necessarily. It was…

FinTech investment grew 183% in 2021


I took a contrarian view and said that FinTech investments worldwide would plateau in 2022. Interestingly, 2021 was a record year. Just looking at the figures from Innovate Finance, you can see things were still on fire: Sector bounces back from pandemic – 217% overall YoY investment increase in the UK Total capital invested in…

Will the euro collapse and disappear tomorrow?


There has been a continual debate about the euro and the future of Europe. When the UK voted to leave the EU in 2016, I was absolutely mortified. I didn’t think it would happen, but it has happened. It’s a messy divorce, but the divorce has taken place. Now, the debate moves on to the…

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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