Chris Skinner's blog

Shaping the future of finance

Neobanks running accounts for a tenth of the cost of old banks

I’m always looking for innovations in new banks and spent some time with MYbank, the bank created by Ant Group in 2014. My first visit was in 2017, and the bank was doing well. Focusing upon SMEs, the bank shot to massive growth volumes, making a staggering $30 billion in loans in first quarter 2022…

Why is Goldman Sachs dropping the Apple?

The Wall Street Journal reported that Apple has sent Goldman Sachs a proposal to end their partnership within the next year, leaving Apple to find a new backer for its financial products. The Apple Card program was launched in 2019 to great fanfare but, within a year, Goldman Sachs was lamenting losses and costs for the partnership….

The Finanser’s Week: 27th November – 3rd December 2023

This week’s main blog discussions include … When you’ve already offended customers, is it a good idea to tell them: “go f**k yourself”? This blog often talks about Elon Musk,  but then it also looks at the activities of Mark Zuckerberg, Richard Branson and more. They all share several things: billionaries, visionaries, autism and a…

The big four drivers of the bank of the future

At another recent conference McKinsey presented. Now it is easy to take a pop at McKinsey but they have produced some useful reports recently, specifically: McKinsey’s Global Banking Annual Review 2023 Fintechs: A new paradigm of growth So, I was interested in their presentation. One slide in particular stood out, titled: the four key drivers…

Can AI do comedy?

Being intrigued by Generative AI, I’ve spent some time studying things. In fact, a lot of time watching movies and reading columns full of how it is making us worried about the future. Therefore, in the spirit of worrying you, I asked ChatGPT to write me a scene of a bank customer dealing with their…

Digital transformation is more to do with inclusion than banking

Space … the final frontier … these are the voyages of the challenger bank Trekkie. Our mission: to boldly go where no bank has gone before. Today, we landed on planet Earth and decided to look at financial inclusion, and the role of banks in ensuring everyone has access to an account. In some countries,…

The Finanser’s Week: 20th November – 26th November 2023

This week’s main blog discussions include … When we talk about customer journeys, what do we mean? I was struck by one slide in a presentation the other day. The slide stated this: I need a mortgage … to buy a house Why did this strike me? Probably because you realise, from the customer view,…

Why do retailers focus on customers and banks do not?

I just chaired a major retailers conference in Malmo, Sweden. Not a payments conference or retail payments conference or merchants payments conference. A retailers conference. It surprised me how much of the discussion was about loyalty, customer engagement and customer retention, as those discussions rarely come up at payments conferences. In fact, when I listed…

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