Chris Skinner's blog

Shaping the future of finance


Let’s get jiggy with it

I hadn’t heard of a mouse jiggler until today. What’s one of those? Well, it turns out they are a simple USB dongle or software download that makes it look like you’re using your computer because the mouse is constantly moving and clicking. Amazon recommends  this one … … and it costs just $5! So what?…

Has the G20 agreed to launch a global CBDC?

The G20’s central banks announce a global alliance for digital currencies It’s been bubbling away for a while but, as central banks are launching CBDCs (Central Bank Digital Currency) all over the world, there is now a G20 agreement to create a global digital currency. Initiated by Christine Lagarde at the European Central Bank (ECB),…

The Dunning-Kruger effect, as inspired by a bank robbery

I had never heard of the Dunning-Kruger effect until the other day. Inspired by a bank robbery, Professor David Dunning worked out that people sit at opposite ends of a spectrum of confidence. Some are hugely confident and competent whilst, at the other end of the spectrum, they are hugely confident but completely incompetent. How…

Creating the world that is the best it can be

Attending a dinner with family the other night, we got into a kind of argument or debate that had me in one corner as the boomer and my friend, a young parent, as GenZ. It was a heated debate and I don’t think either of us won. What do you think? Summarising the discussion, I’ll…

Anyone want to hire an old man who knows COBOL?

Seven years ago, I was citing the fact that 43% of the global financial system runs on a computer language no-one speaks anymore. Seven years later, PC Magazine (are PC’s still a thing?) picked up on this theme with the headline: The World Depends on 60-Year-Old Code No One Knows Anymore | PCMag … and sub-headline:…

Dear Bank Manager

I liked this so much, it needed to be shared. It is a letter allegedly sent to my bank manager. Enjoy! Dear Bank Manager, I am writing to thank you for bouncing my check with which I endeavored to pay my plumber last month. By my calculations, three nanoseconds must have elapsed between his depositing…

What does AI think about your job?

I shared an update the other day that has had a lot of reaction, so I’m sharing it here on the blog. The update is from Generative AI on what corporate players would look like if they were animals.   The CEO is a lion? HR is a monkey? Sales is a fox? Interestingly they…

Barry Banker and the Market of Doom

I’ve been writing children’s stories for a while, and decided to try to apply my childish impishness to the seriousness of banking. That’s a true FinTech approach where we integrate the parent and child. So, here’s my attempt to create an exciting moment in time: Barry Banker and the Market of Doom. Barry Banker had worked…

Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us

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Chris Skinner
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Alex at the Financial Services

Gaping Void's Hugh MacLeod worked with the Finanser