Chris Skinner's blog

Shaping the future of finance

web 2.0, the 2000s and lovely jubbly, social networking

From the origins of the internet in 1990, the end of the 1990s saw the emergence of e-commerce and a plethora of payments services and commercial websites.  Then not a great deal happened until the internet became social.  Blog platforms like WordPress and Typepad emerged in 2003; Facebook launched in 2004; and YouTube a year…

web 1.0, the 1990s and the arrival of Elon Musk and mates

Web 1.0 – the network begins As mentioned yesterday, almost half a century of developments in technology led to the launch of the web as we know it today, following Tim Berners-Lee’s paper detailing HTML and URLs.  This was in 1990 and, consequently, the internet morphs almost every decade.  This makes our decade – the…

The Birth of Computing and Development of the Web

The last chapter of ValueWeb talks about what comes after the third generation internet: the internet of value.  This is the internet being built today, based upon shared ledgers, cloud, apps, APIs and analytics.  Of course, the next generation is the internet of things.  But what comes after that? There is an answer, but you…

The Finanser’s Week: 6th February – 12th February 2017

A summary of the main blogs of the week … Dodd-Frank, Donald Trump and Goldman Sachs: you’ve been suckered The big headline on Friday was Donald Trump has signed an Executive Order to review the Dodd-Frank regulations.  He also changed rules relating to brokers, so that they can seek maximised profits rather than being forced…

We must automate humanity

Building on yesterday’s blog, there was another interesting debate about the risks of humans in the network.  Humans screw up.  Humans cause problems.  Humans have emotions.  Humans are not welcome here. A good example of why humans are not welcome is that it is typically human error that causes issue.  A self-driving car is likely…

You can never automate humanity

I was in a long conversation about machine learning yesterday that will probably inspire a lot of blogging.  One of the key parts of the conversation was the integration of robotics and artificial intelligence.  When you can make love with a human being that doesn’t talk back, why would you want a real one?  Let’s…

Who needs a financial centre?

For ten years, my friends cover at Z/Yen have been producing the Global Financial Centres Index (GFCI), on behalf of the City of London.  It’s a research program where people can answer the survey questionnaire and, from those participating, the different cities of the world vying to be financial hubs are ranked.  Around 2,500 people respond…

How banks are getting around open banking and PSD2

Banks are scared.  They’ve seen the rise of the new world of open APIs, apps and analytics and know that their organisations are not yet ready or fit to change to that world.  What to do? Well, the easiest thing to do is to block access to the bank’s data.  If third party FinTech firms…

Dodd-Frank, Donald Trump and Goldman Sachs: you’ve been suckered

The big headline on Friday was Donald Trump has signed an Executive Order to review the Dodd-Frank regulations.  He also changed rules relating to brokers, so that they can seek maximised profits rather than being forced to behave in the client’s best interests, as ordered under the Obama Administration. MSN reports: Taken together, the president’s…

The Finanser’s Week: 30th January – 5th February 2017

A summary of the main blogs of the week … The Semantic Regulator (#RegTech Rules) A bank has to make a regulatory change every 12 minutes.  That’s some task.  A bigger question must also be: how can a regulatory check that a bank is compliant with their regulatory changes, if their regulations change every 12…

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