Chris Skinner's blog

Shaping the future of finance

How can you prove you are you?

I’m working on my next book which is due for release in spring 2026. The theme is all around how to trust in a deep fake world. As a result, I’ve been talking to a lot of people – technologists, bankers, policymakers, ethicists, hackers (some reformed, some not) – and the conversations is around the…

When money thinks for you …

Back in the day, Brett King had this idea of starting a mobile-first bank. It was when Bank 2.0 took off, and I was one of the first investors. We ended up enjoying a day of brainstorming in an American park retreat, and developed the line “spend, save, and live smarter”, which is still there…

The Finanser’s Week: 14th April – 21st April 2025

This week’s main blog discussions include … The issue with digital In my presentations these days are five key themes: the fintech revolution; cryptocurrency creation; distributed ledger technology; the AI world; and quantum disruption. I could add to the list – the metaverse, 6G+, robots, etc – but these are the top five in the…

When digital goes down

Well, not exactly digital but electrical. We saw the massive issue that created at Heathrow airport recently, but I’ve been personally affected by the same issue. Long story short, we have an electric gate at our property, and the electrics keep breaking down. Result? We are either locked in or locked out of our property….

Isn’t it time to sort your business out?

We often talk about technical debt – the cost of maintaining and updating old systems to keep them operational. In most banks, this is 60% to 80% or more of annual IT budgets; in fintechs it’s less, because they have less history, but even here it is often 30% to 50% of costs. The reason?…

Which billionaires care about the world … and which one doesn’t?

There is a regular conversation about the 1% versus the 99%, so I tried to track down: who are the 1%? The numbers surprised me. According to the 2024 Global Wealth Report, the global millionaire count has soared, reaching approximately 58 million. I thought it would be more like 100 million millionaires (and probably is in reality). If…

If God was a [Digital] Banker

Some days, I sit and pray that God will give me more money, more opportunity and more hope. Luckily, now he/she/they can, thanks to the Church Bank of Greece. In an interesting move, shared with me by Arjun Vir Singh, a Partner with Arthur D. Little, the Church of Greece is opening a digital bank! The Church…

The issue with digital

In my presentations these days are five key themes: the fintech revolution; cryptocurrency creation; distributed ledger technology; the AI world; and quantum disruption. I could add to the list – the metaverse, 6G+, robots, etc – but these are the top five in the financial world I live in. Then, when you sit back and…

The Finanser’s Week: 7th April – 13th April 2025

This week’s main blog discussions include … AI will create 170 million jobs while replacing 92 million … the question is: what jobs? Every day there are more and more headlines about artificial intelligence (AI) AI and its impact on life, the world and the future. The latest one is a good one, which is…

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

Learn more about Chris

About Chris Skinner

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

Learn directly from from one of the most influential people in technology, gain insights from the world's most innovative companies, and build a global network.

Chris’s latest book

Order now

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