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We talk a lot about the Internet of Things (IoT) and have been for a while.  Most of us probably don’t see much of it yet.  OK, so we have a smartphone but what other smart things do you have?  Maybe if you’re in America, you have NEST, Alexa and a Tesla, so you’ve get…

As mentioned yesterday, there’s a big question about what all of this means for financial service.  You may not have asked those questions but if life sciences allows people to live for 150 years or more; if babies can be born without defects; if you can design yourself to be whatever you want to be;…

I know I talk about banking and technology most of the time, but I also have other topics of interest.  Art, history, travel, fine wine … although I obviously look at them all from a banker’s point of view and wonder what it’s worth. All that said, one of the biggest areas of surprise in…

The main blog posts this week are … A world turned on its head Back to London after almost a week in Vegas.  Amazed I’m still writing.  In fact, amazed to be alive as Vegas is one helluva weird old town. As I’m leaving, I’m struck by an observation that has occurred to me before,…

Speaking of Walloons forcing a Byegium from the EU-Canada trade deal leads me to post this thoughtful email I received from Iain Bell, CEO of Quadrant Capital.  Iain gives a balanced alternative view to mine, and therefore it is worth a read… I have found your last couple of posts to be quite feisty in fact,…

Back to London after almost a week in Vegas.  Amazed I’m still writing.  In fact, amazed to be alive as Vegas is one helluva weird old town. As I’m leaving, I’m struck by an observation that has occurred to me before, but hit me big time this week.  Europe is boring.  America is dull.  The…

Mid-way through #money2020 and in my fourth back-to-back chat about Fintech and leadership and core systems renewal and machine learning and and and … I am suddenly taken back to my roots.  My roots are firmly in data.  I guess that’s because I started in technology looking at office automation and workflow, process re-engineering and…

It’s the end of the first full day of Money 20/20 2016, and it’s been a mixed day starting with a surprisingly packed room for my discussion with Moven, Simple and ING about digital banking. The story of the fish seemed popular (see last week’s blog). Banks are like this fish. @Chris_Skinner #Money2020 pic.twitter.com/iHsR6PiQY7 —…

I spotted a lengthy, but very insightful post, on LinkedIn the other day by Ben Robinson, Chief Strategy and Marketing Officer for Temenos.  I don’t usually highlight such pieces, but felt this worth replicating here, and Ben kindly agreed.  Enjoy … Four banking business models for the digital age Digitization of the banking industry is…

The main blog posts this week were … Who owns the customer in the internet of things? I’ve been talking the internet of things for a while as, after all, The ValueWeb is the internet of value that underpins the internet of things. A key concept of the internet of value is how it supports…