Chris Skinner's blog

Shaping the future of finance

The Finanser’s Week: 9th November 2020 – 15th November 2020

The main blog discussions this week include … Why banks don’t die Have you noticed how people talk about disruption more and more, and note the collapse of companies like Blockbuster, Kodak, Nokia and Thomas Cook? In fact, there are more companies entering and leaving the stock market lists than ever before, with the average…

What do customers think?

I don’t usually cover press releases as they bore me, but this one caught my attention: Customer Online Conversations Reveal ‘All to Play for’ in Battle between Challengers and Incumbent Banks, Finds Economist Intelligence Unit Report   Groundbreaking report by The Economist Intelligence Unit uses machine-learning to analyse over 10 million online conversations about personal…

Finding the missing links

When Digital Human was released in 2018, the opening chapter is all about the history of humankind. I don’t claim to be an expert on history, but I do know a lot of history, having visited museums in over 100 countries around the world. So, I was fairly offended by the only one-star review the…

So what would kill a bank?

Stumbling over an interesting article about bank consolidation in Europe, reminded me of Francisco Gonzalez’s (former Chair of BBVA) prediction that there’s only enough room for a maximum of fifty banks globally. I don’t believe either. As written about yesterday, banks don’t disappear. They don’t die. For over a quarter of a century, there’s been…

Why banks don’t die

Have you noticed how people talk about disruption more and more, and note the collapse of companies like Blockbuster, Kodak, Nokia and Thomas Cook? In fact, there are more companies entering and leaving the stock market lists than ever before, with the average tenancy now under two decades compared to six decades or more in…

What was the first record you ever bought?

I’m running a survey around how this crisis has impacted physical versus digital access to services – please take the survey: https://www.surveymonkey.com/r/KCSBYMM … and you will get a free copy of the results – but, building on the physical versus digital debate,  it really hit me as I listened to a great debate on the…

The Finanser’s Week: 2nd November 2020 – 8th November 2020

The main blog discussions this week include … The impact of the US election on finance and FinTech No politics from my side here, but just reflecting on the politics of America. The US election – whatever your view of its process and outcome – leaves us with a different perspective on financial markets and,…

The Elephant and the Bird

The really annoying elephant is still in my room. It’s got to the stage now that I walk past him every day and don’t notice him. That’s what the elephant in the room is all about. It’s big, it’s annoying and you walk past it every day and just don’t notice he’s there because you’ve…

The impact of the US election on finance and FinTech

No politics from my side here, but just reflecting on the politics of America. The US election – whatever your view of its process and outcome – leaves us with a different perspective on financial markets and, specifically, on FinTech start-ups and funding. Looking at US dollar rates, they’ve been driving down during the build-up…

Q: Why did China block Ant Group’s IPO? A: Jack messed up

I reported last week Jack Ma’s rant at the banking industry as having Basel Accords created by “an old people’s club” and that banks have a “pawnshop” mentality. I said that I agree with his sentiment – which I do – but it ain’t what you say, it’s the way that you say it and…

What is the future?

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