Chris Skinner's blog

Shaping the future of finance

The Fat Finger Syndrome

I was intrigued to read that a major cryptocurrency exchange in South Korea, Bithumb, had an internal error where an employee sent customers a prize that should have been 620,000 Korean won (around $423) to 695 qualifying customers, but instead credited accounts with 620,000 bitcoins – equivalent to over $40 billion. How a major crypto…

After talking to 300 fintech CxO’s, here’s what we missed

I liked this article by Sergiy Fitsak on Finextra: We Asked 300 Finance Leaders What’s Next in Fintech. Here’s What They Said. His company, Softjourn, asked 300 fintech experts, CEOs and more on what’s hot in the fintech space these days. You can read the whole thing, but I’ll pick up some key headlines. AI…

The big deal is PQC

Hartmut Neven, Founder and Lead of Google Quantum AI, has recently written a critical perspective on securing the “Quantum Era”, alongside his colleague Kent Walker, President of Global Affairs for Google and Alphabet. What do these guys know that you don’t? Perhaps, most critically, the fact that the near-term revolution of computing – quantum –…

NPV and PSD3: what next?

It’s always interesting to see how regulators are working to ensure consumer protection in payments and fintech and as Sidley, an elite global law firm, point out: “2026 is set to be a pivotal year for payments and fintech regulation in both the UK and the EU as policymakers move from strategy-setting to the delivery and…

How to be an intelligent bank?

Someone said to me this week: what do we need to do to be an intelligent bank? It seems like a simple question, but the answer is incredibly complex. After all, the first step is to be a bank with digital at its core. This is something I’ve written about for decades, but the big…

The Finanser’s Week: 2nd February –  8th February 2026

This week’s main discussions include … Cryptocurrencies are rife with scams and money laundering This is not a headline I am happy to share but, after being scammed, it is time to share it. After all, you would think that, working in finance, I would be savvy to all criminal scams. I’m not. Sure, the…

Cryptocurrencies are rife with scams and money laundering

This is not a headline I am happy to share but, after being scammed, it is time to share it. After all, you would think that, working in finance, I would be savvy to all criminal scams. I’m not. Sure, the SMS that says a parcel couldn’t be delivered or the email saying that I’m…

Are the richest the meanest?

After blogging about revolutions, poverty and social inequality last week: The more wealth amongst the few, the more likely the revolution by the many If the poor are revolting, find out the reason why I was intrigued to spot an article about a refuse (garbage) worker and their experience of wealthy versus poor areas on…

The positive side of AI

Many movies, media and headlines portray AI as frightening. It’s going to take out jobs, bring robocop to the streets and take over our lives. It’s going to be Ex Machina, The Terminator or worse. Very few give context of the positive future with AI, but a headline caught my eye today: Meet the ‘AI…

Our bank is AI central

I just noticed that Lloyds Banking Group are enforcing AI training for all staff: Lloyds Banking Group is putting all 67,000 staff through compulsory AI training The move is part of a multi-million-pound push to modernise how the bank operates Every role, from branch staff to senior executives, will be expected to take part Lloyds…