Chris Skinner's blog

Shaping the future of finance

Who owns the mandate?

I was intrigued by a new report from the IMF entitled: The Impact of Fintech on Central Bank Governance (you can download it for free). I was particularly intrigued by its opening: Central bank governance is a concept composed of four constitutive and interrelated components: a central bank’s (i) mandate, comprising its objectives (the “why”),…

What if you had “f**k you money”?

I was quite taken by South Park’s co-creator Matt Stone talking to Bloomberg, about a deal where he and his co-founder Trey Parker just got paid $900 million to make six more seasons and 14 movies. His specific comment: “As you can see from this deal, we have f**k you money now” … made me think….

The Finanser’s Week: 30th August 2021- 5th September 2021

The main discussions on the blog this week include … Fires to the left of me, floods to the right and here I am, stuck in the monsoon with you I heard a statistic on the BBC that natural disasters due to weather are costing the insurance industry seven times more today than in the…

Why I bought a Watford FC shirt, when I’m a Spurs fan [bitcoin]

A while ago, I spotted that Watford was sponsored by Bitcoin. They must have made a mint out of that and will be buying up Harry Kane soon, if he’s not already gone somewhere else. Nevertheless, I wanted their shirt. In fifty years, who knows what a football team shirt, sponsored by Bitcoin, would fetch…

What is identity?

I’ve been close to Peter Vander Auwera for many years, thanks to Innotribe. He retired a few years ago on bitcoin – I wonder how many times I will use that line? – and became an artist. Great guy. But he’s still tracking me and others in the Finverse and posted this yesterday. It’s so…

BNPL became a big thing in August

Some years ago, July 2015 to be exact, I interviewed Niklas Adalberth, co-founder of Klarna. Niklas left the company shortly after but is still invested and, interestingly, is investing in other unicorns like Mollie. Not bad for a guy who was flipping burgers for a living in his 20s (he’s now 39). I quote from that…

What is ‘sustainable investing’?

I have a few friends who are climate deniers. That’s fine, they are entitled to their views, but I cannot accept that view. There’s too much science that shows the world is changing. Their argument – those who believe this is not a climate emergency – is that it’s just Earth going through its’ regular…

The Finanser’s Week: 23rd August 2021- 29th August 2021

The main blog discussions this week include … 15% of the world’s population has a disability 15% of the world’s population has a disability. According to the Return on Disability Group, this consumer population is bigger than China and accounts for $1.9 trillion in disposable income. That makes me wonder why banks and companies don’t…

Why not maybe?

I found the answer to What about maybe? and why HSBC, NatWest, Monzo and more are freezing customer accounts, closing them down and annoying customers left, right and centre. Money. Rather, it’s the money they’ll have to pay if the regulator catches them breaking the rules. From The Times: Global fines for failures related to money laundering…

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

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