Chris Skinner's blog

Shaping the future of finance


An interview with you know who …

I recently had a chat with the folks of Machine Lab. Here’s what happened … An acclaimed author and independent commentator whose insights on financial markets and fintech are second to none, Chris Skinner was one of the founding minds behind the world’s first mobile bank and has advised some of the most prominent CEOs and leaders…

Banks need to be ready for hybrid money

Over the past years the financial industry has had a weird relationship with the cryptocurrency industry. The former was launched thousands of years ago; the latter just over a decade ago. Maybe that’s why. But, during my experience, we started with financial markets saying cryptocurrencies didn’t matter; then that the technology, namely blockchain, mattered but…

Can we live without money?

I was thinking the other day: why do we have money? Why are we slaves to the system? Can we break free? It made me think about whether anyone can live without money. After Googling the idea, it amazed me how many people do live without money. There’s even books about it. For example, in Life…

CBDC or cryptocurrency … it is your choice or, rather, your belief

I’ve seen so many updates about Central Bank Digital Currencies (CBDCs) lately that it’s obviously an inevitability. Maybe … Bear in mind we have CBDCs and cryptocurrencies. Are the two in competition or complimentary? I think that’s a really important question. The question is: which do you trust more? Trust in CBDCs is that, because…

FedNow is launching in July. What is it and why is it important?

FedNow is the faster payments service for America, backed by the US Government and delivered by the Federal Reserve banks. The thing is that you, like me, may be asking is this real? America is getting faster payments in 2023 when many other economies got them in the 2000s? Well, yes and no. The UK…

Are we in another financial crisis?

I claimed that the crisis of Silicon Valley Bank (SVB) and Credit Suisse were isolated cases, specific to those institutions, and there is no financial contagion. Then we get all these headlines about Deutsche Bank being next. What’s going on? Well, I still claim it is not contagion, but there is lots of FUD (Fear,…

Nobody wants embedded finance

I was reflecting on the idea of embedded finance and invisible banking yesterday. It’s a great idea. We can use tech to make the world a place where you can pay for anything, anywhere at anytime. Sounds good, but is it? Some people – many who are not in our cocooned world of salaries and…

Bill Gates on AI

This week, Bill Gates has written a long essay on the impact AI (Artificial Intelligence) will have on the world. Paraphrasing his essay, these are the highlights for me: I was so excited about their work [OpenAI/ChatGPT] that I gave them a challenge: train an artificial intelligence to pass an Advanced Placement biology exam. Make…

A key to invisible finance is a digital identity

A key to invisible finance is a digital identity and this is the hardest thing to crack. It’s been tried many times and failed often. Equally, there are many companies and institutions trying to solve this, but no-one seems to have succeeded. Having said that, Digiwatch estimate that governments will have issued about 5 billion digital IDs globally…

Invisible banking is the place to be

A couple of headlines hit me recently. The first is that twitter is going to create a payments system: Twitter has begun applying for regulatory licences across the US and designing the software required to introduce payments across the social media platform and then, more interestingly, is that Microsoft is going to do the same, but…

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

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Chris Skinner
Commentator, CEO of The Finanser and best-selling author at The Finanser

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Chris Skinner - Financial Markets Advisor of the Year - The Finanser - UK 2023

Best Financial Markets Advisor of the Year 2023

30 Best Regtech Blogs and Websites 2023

Kids creating the future bank | TEDxAthens

Captain Cake and the Candy Crew

Captain Cake Winner of a Golden Mom’s Choice Award


Alex at the Financial Services

Gaping Void's Hugh MacLeod worked with the Finanser