Chris Skinner's blog

Shaping the future of finance

The risk of change versus the risk of not changing

I’ve recently blogged about bank IT outages … Bank IT outages … let’s talk about the bank systems Jenga … and it is getting more and more common. For example, in the UK, Barclays suffered 33 system failures between January 2023 and February 2025, according to data from the House of Commons Treasury select committee….

Looking for regulation and innovation in the same room

After recently attending conferences in Zurich and Paris, with most of the audience coming from the banking community, this week is Money2020 in Amsterdam and the discussions are very different. What’s the difference? Well, bankers debate regulations and fintechs discuss innovations. It constantly strikes me that, during the 2000s, I spent most of my time…

How regulations are forcing banks to open branches

I wandered back into the old world of EU regulations the other day in Switzerland, debating CRD VI and the demand that banks must have branches in every EU country when they offer full service banking, including deposits and lending. Well, that’s one interpretation. The whole thing is about the new Capital Requirements Directive, the…

Elon Musk’s dream of life in 2100 might be your nightmare

The year is 2100. Earth is still here, but the Elon Musk vision is now delivered. What is that vision? Read on … Earth in 2100 is a place of automation. Everything is connected. Robots are everywhere. Self-driving aeroplanes and cars move goods and services. More than this, the world is run on a network….

The Finanser’s Week: 26th May – 1st June 2025

This week’s main blog discussions include … The rise and rise of ransomware There’s a very interesting analysis of the cyber attacks on Marks & Spencer, the Co-op and Harrods on the BBC this week. If you have access to their iPlayer, then it’s well worth a watch. If you don’t, then here’s the summary as…

I just learned how to trade thanks to Fibonacci

I don’t have a trading background and am not a mathematician, but just went down a rabbit hole. Somehow, someway, someone sent me a Fibonacci T-shirt and I went WTF? Thanks to the t-shirt I stumbled across the Fibonacci principles, and my world changed. What’s that all about? Well, let’s start with asking: Who was…

No-one cares about payments in 2040 except us

I hate criticising other people’s work, but I do read some complete claptrap about the future. For example, I just got a report about the future of payments in 2040, that starts with a term Order-to-Cash cycle and then paints a scenario of someone buying an automated car. That was the first few paragraphs and,…

Some people knew the internet would NOT liberate us …

I just ran across an item from 1994 written by Carmen Hermosillo talking about cyberspace, the internet and the future. It is quite something but TL:DR, so here are a few highlights: Introducing Humdog: Pandora’s Vox Redux (1994) “When I went into cyberspace I went into it thinking that it was a place like any…

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