Chris Skinner's blog

Shaping the future of finance

BaaS works, it’s the regulations that don’t

During my MoneyBox interview about Wirecard (see end of this blog), Paul asked me the question: how could this happen again? What’s next? And I said, we learn from our mistakes. Progress never stops. Wirecard won’t shut down FinTech. It will amend it. This means this is not the end of Banking-as-a-Service (BaaS), but an…

The Finanser’s Week: 22nd June 2020 – 28th June 2020

The main blog headlines are … Is FinTech getting it wrong? Focus on needs and wants A friend of mine, Alessandro Hatami, wrote an interesting piece on Sifted that I shared in my news yesterday. He claims that neobanks like Monzo and Starling are not reinventing banking at all. They’re just modifying and improving it….

Wirecard or Weirdcard?

Another day and another headline about Wirecard: ‘The money’s gone’: Wirecard collapses owing $4 billion Wirecard’s Missing Billions Forces Out CEO, Panics Lenders Wirecard: Former boss arrested over €1.9bn scandal How Wirecard fooled most of the people all of the time Inside Wirecard EY failed to ask for Wirecard bank statements for 3 years Softbank…

Is FinTech getting it wrong? Focus on needs and wants

A friend of mine, Alessandro Hatami, wrote an interesting piece on Sifted that I shared in my news yesterday. He claims that neobanks like Monzo and Starling are not reinventing banking at all. They’re just modifying and improving it. Alessandro then goes on to cite the key things that banking should really focus upon: There…

The world’s best banks, according to Forbes

Forbes just launched a list of the world’s best banks, based upon a survey of over 40,000 consumers in partnership with Statista. I’m always wary of such surveys as, like influencer lists, they often reflect the world they want and miss a lot of what’s really happening. Nevertheless, there are some interesting comments in the dialogue…

An economic catastrophe and an apology

I got hauled up the other day by someone who thought I was very insensitive in blogging about this crisis as an economic one, but not a catastrophic one. What I actually wrote was (I’ve amended it slightly since): Someone wrote the other day that this pandemic is like a world war. It’s not. A world…

The Finanser’s Week: 15th June 2020 – 21st June 2020

The main blog headlines are … This is no Black Swan (Part Two) I was having a bit of ding-dong over my article about the coronavirus pandemic being perfectly predictable and not a black swan. There are many who believe the reaction to the pandemic is a black swan, as in the lockdown of Planet…

Robinhood’s sad story, sorry

I was sitting and thinking that I’ve been a bit negative in my recent posts. I don’t like being negative as I’m an optimist. So I determined that today I must write a cheerful story … whoops! failed. Instead, I woke up to the news that a young man had committed suicide possibly due to…

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