Chris Skinner's blog

Shaping the future of finance


The future financial world is here

I’ve been thinking for a while now about building a new financial system from the ground up using AI, blockchain, the Internet of Everything and other technologies. What would it look like? What would we build? I guess the piece that inspired a lot of my thinking came from two sources: Alipay (as usual) and…

How AI will change banking

The World Economic Forum has been conducting research over the last year around how AI (Artificial Intelligence) will change banking that was published last week. Here’s the lowdown: Artificial intelligence is fundamentally changing the physics of financial services. It is weakening the bonds that have held together the component parts of incumbent financial institutions, opening…

Technology is improving the world, not destroying it

For all the negative views of technology, the positive is that it is enabling and inclusive. This is what Digital Human explores in depth. The main critique of my book is that it is too optimistic about the future of technology, and should be more balanced. Nevertheless, after yesterday’s post about the evils of the…

Zuckerberg, Gates, Bezos, Ma & Co are destroying the world

I was listening to Andrew Keen, digital sceptic, giving a keynote at a conference. He was lambasting the way in which the internet had developed, and the fact that it had gifted power to a small, select few companies, who own the world. Apple, with its trillion-dollar valuation, could buy four Chile’s or two Poland’s….

Why cryptocurrencies are more trusted than banks

I spotted a chart the other day showing the millions of dollars lost on cryptocurrency platforms … Source: The Wall Street Journal Since 2011, there have been 56 cyberattacks directed at cryptocurrency exchanges, initial coin offerings and other digital-currency platforms around the world, according to Autonomous Research, bringing the total of hacking-related losses to $1.63…

Banks can now be born in the USA

The USA is a little bit confusing. On the one hand, they have some of the fittest people in the world; on the other, they have some of the fattest. On the one hand, they’ve championed the banning of cigarettes far more than any other nation and were the first to do it; on the…

The State of FinTech in Latin America

I’m off to Chile next week and thought, in preparation, I’d look at the state of FinTech in Latin America. So far, I’ve spent fair time in Colombia, Brazil and Argentina, and see these as the three major centres of activity along with Mexico. Equally, I meet a lot of the LatAm companies in Miami at…

Does digital punish the poor?

BACS released UK account switching statistics this week, and it makes for interesting reading. The big winners in the first quarter of 2018 are Halifax, Nationwide and HSBC. The big losers are Co-operative Bank, Lloyds and Barclays. Why? Well, Halifax offers a great incentive to switch: £75 … nothing like a bribe is there? Nationwide…

The branch of the future is NOT about advice

I regularly come back to the topic of bank branches, which are topical. A recent UK headline said that a town is now branchless … Closure of Lloyds leaves this Warwickshire town with no banks … whilst another says that the closing of branches is all about increasing profits for the banks … The cashless…

The UK regulators official position on crypto-assets

Building on yesterday’s discussions of regulating, I got copied on a letter that’s doing the rounds from Sam Woods, Deputy Governor of the PRA (the Prudential Regulatory Authority). It lays out the official position and expectations of the regulator when financial insitutions are dealing with crypto-assets. It makes for interesting reading and you can read…

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

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