Chris Skinner's blog

Shaping the future of finance

When money looks after you

We are living in a cost of living crisis. Boil this down to the essentials: can you afford to live? Many of us cannot. Energy bills have gone through the roof; basic essentials from food to shampoo are twice the cost they were; and the idea of a holiday for many has become a dream,…

What to do when the network goes down?

The internet isn’t working today. My phone is stuck on a screen saying trying to connect. My laptop has this continuing circle of stuckness. It is seriously annoying. When digital breaks down, it leaves you stranded. That’s OK. It’s cool. Except that, when you depend upon digital, it screws up your day, especially for those…

What about Basel V?

During 2023 a change has taken place in banking that has been little reported or, at least in my circles, little discussed. The change is Basel IV. A bit like most regulations, the Basel Committee on Banking Supervision (BCBS) review and update their rules every five to ten years or so, and gradually introduce more…

The Finanser’s Week: 6th November – 11th November 2023

This week’s main blog discussions include … Are we cashless and branchless now? I’ve just been travelling Asia and went on a trip where the entrance to the first attraction – the batcave! – was two ringgits. That’s Malaysian currency and the equivalent of around half a dollar. As per usual these days, I have…

Are we cashless and branchless now?

I’ve just been travelling Asia and went on a trip where the entrance to the first attraction – the batcave! – was two ringgits. That’s Malaysian currency and the equivalent of around half a dollar. As per usual these days, I have no cash and this was the first and only time in my one…

“We have created a generation of box tickers and button pushers”

Six years ago, I wrote about John Cryan, the then CEO of Deutsche Bank, saying that most people in the bank would lose their jobs to AI. He stated at a German conference that “people behaving like robots doing mechanical things, tomorrow we’re going to have robots behaving like people”. Thirty years ago, showing my…

Imagine if you integrated emotions with transactions

If banking was delivered like a song, how would it feel? Would it have emotion and belief, or just be delivered as words and music by a robot? The difference between customer engagement and customer service is pretty much the difference between delivering a stage song and being on the stage. I am a huge…

The superhero adventures of AML and KYC

In a land known as Fed, there are two superheroes: AML and KYC. They fly around the world looking for villains attacking the financial markets and aim to zap them. It is a difficult task, and getting more and more difficult every day, but they try … and they fail. In 2009, the estimated annual…

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