Chris Skinner's blog

Shaping the future of finance

The Finanser’s Week: 12th May – 18th May 2025

This week’s main blog discussions include … The regulation versus innovation debate continues I just attended two events – one fintech and one regulatory. The contrast could not have been more different. The fintech event was buzzing with activity and youth; the regulatory event was very serious and full of suits. It reminded me of…

Equivalence + Proportionality + Subsidiarity = ?

Having been back in the regulatory space again recently, it reminded me of a comment made by one European Commissioner when discussing MiFID back in the day. Over drinks, we were debating the wording and detail and he said: “the point is not to get all member states to comply … the point is to…

As #Revolut and #N26 move into mobile, never say never

It is notable that a few challenger neobanks are expanding footprint into telecoms, namely Revolut and N26. N26 joins Revolut in disrupting the telecommunications market The interesting thing here is that there have been many telco’s trying to move into banking – think Orange – and vice versa, but it rarely works. Orange checks out…

The regulation versus innovation debate continues

I just attended two events – one fintech and one regulatory. The contrast could not have been more different. The fintech event was buzzing with activity and youth; the regulatory event was very serious and full of suits. It reminded me of my old days dodging between Money2020 and Sibos. The thing about the regulatory…

The AI crisis: a big threat and big opportunity

As with all stages of constant change, there comes a moment of crisis. Many say that crisis means threat and opportunity based upon a Chinese legend. That legend is that crisis in China is a proverb which states that “crisis is an opportunity riding a dangerous wind”. It’s very true. Riding the dangerous wind (骑着危险的狂风)…

OK Boomer!

For no particular reason, I was reflecting on being a boomer the other day. Probably it was to do with the speed of change. After all, when I was a lad, there was no tech at home. I played with Batman and James Bond Corgi toys – which I still do – and that was…

The Finanser’s Week: 5th May – 11th May 2025

This week’s main blog discussions include … How China’s banks and fintechs are using AI to leapfrog the world For quite a while, I have been amazed by China’s innovations in fintech from Ant to WeBank. My first visit to a Chinese bank in the 1990s, they were using Abacuses to calculate transactions; now they…

Who needs coders when we have AI?

Having blogged yesterday about China leapfrogging the world of finance through AI, there are alternative views, particularly in the Big Tech world. Microsoft CEO Satya Nadella says AI generates ‘fantastic’ Python code, and that it now creates ‘maybe 20 – 30% of the code … in some of our projects’ In a fireside chat with…

How China’s banks and fintechs are using AI to leapfrog the world

For quite a while, I have been amazed by China’s innovations in fintech from Ant to WeBank. My first visit to a Chinese bank in the 1990s, they were using Abacuses to calculate transactions; now they use rocket science in the form of AI. A lot of this was covered in depth in the deep…

You do know that money isn’t real, don’t you?

I was struck by a post on LinkedIn by Eleanor Hill, who focuses on treasury systems, reflecting on what has changed in the past decade. She mentions five things, as that was what was asked, namely: AI for everyone APIs and real-time treasury The return of active risk management The ESG rollercoaster DEI for better decision-making…

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