Chris Skinner's blog

Shaping the future of finance

57 banks and nothing wrong?

Seven years ago, the first new retail bank in almost a century got its licence to open: Metro Bank.  Now, there are so many new banks starting up in Britain (and across Europe) that it’s sometimes hard to keep up with it all.  There are app-only start-up banks (Atom, Monzo, Starling, Tandem); foreign exchange payment cards (Revolut, SuperCard); personal…

bitcoin or ether: which currency will win?

As referenced in my R3 fake news last week, there are various camps out there fighting for the cryptocurrency crown.  The lead runners are bitcoin and Ethereum, and both have serious backing.  However, it’s still early days.  I keep stressing that we need to remember we are experimenting here, and the end game is still…

The Finanser’s Week: 27th February – 5th March 2017

This week’s main blog headlines are …. The FinTech Wave, Part One I wrote a blog the other day for The Next Web.  I thought it was ok, and it has gained a lot of traction socially. Apparently, people like it and here I’m going to expand upon the basic theme to give a detailed analysis…

America is slow to adopt immediate payments

I recently blogged about the lack of obvious return on investment for immediate (also called faster, instant or real-time) payments, and mentioned that I would be launching research about this.  Well that research survey is now live.  It will only take you ten minutes, so please join in by clicking this link. Just to put…

Counterparty payments in seconds is an easy sell

It made me laugh today.  I was chairing a panel where Romana Kumar, Head of Global Transaction Banking for the National Bank of Abu Dhabi (NBAD), was discussing their trial of Ripple.  The background to this was announced in a press release on 1st February 2017: Ripple’s Distributed Financial Technology fits within NBAD’s existing infrastructure…

Blood on the FinTech carpet

I was reflecting on a friend of mine who runs a FinTech start-up.  Their company was on a funding round, and struggling.  They struggled so much that they ended up having to lay off a load of staff, cut budgets and defer income.  In fact, they reached the point where they would only survive another…

R3 to acquire Ethereum for $59 million

I mentioned in my FinTech Wave that blockchain has entered the trough of disillusionment.  It’s certainly a lot quieter space this year than last.  In fact, when I say blockchain today, a lot of folks turn the other way.  What’s going on? A lot of it is to do with the hype cycle, and the…

The FinTech Wave, Part Two

As mentioned in the first part of these two pieces, we talk a lot about FinTech.  We talk about it as though it is one thing when, in fact, it is many.  There are nuances to this market that is over a decade old today, that need to be fleshed out in more detail as,…

The Finanser’s Week: 20th February – 26th February 2017

A summary of the main blogs of the week … The FinTech Wave, Part One (part two next week) I wrote a blog the other day for The Next Web.  I thought it was ok, and it has gained a lot of traction socially. Apparently, people like it and here I’m going to expand upon the…

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