Chris Skinner's blog

Shaping the future of finance

Innovation

8 steps to innovation, as recommended by Robin Sharma

Just saw Robin Sharma speaking at an event on innovation, who spoke before me. If you don’t know him, he’s been writing about leadership and innovation for years and, by background, was trained as a lawyer. He’s also a self-help inspirational speaker which the cynic sceptic grumpy old man optimist in me is always useful. He…

Is Apple finance going to change the world?

There’s a regular debate about whether BNPL (Buy Now, Pay Later) is a good or bad thing. There’s a big call for it to be regulated and comparisons with payday loans are made often. Nevertheless, it makes sense as many companies are now grabbing a slice of this space. The latest one is Apple. It amused…

SWIFT may not exist in five years, according to MasterCard

The CEO of MasterCard, Michael Miebach, stated at a conference the other day that SWIFT might no longer exist in next five years. Miebach was part of a panel on central bank digital currencies (CBDCs) at the World Economic Forum (WEF) but, as Shashank Bhardwaj writes on Forbes, once the panel was over a Mastercard…

Are regulations the roots of innovation?

For most of my time working with banks, regulators were about clipping banks’ wings to suit the market. Today they are all about opening markets and enabling innovation. Jason Butcher, an entrepreneur and a friend, recently posted a picture of a tree on LinkedIn and likened it to today’s financial technology world. The diagram depicted the roots…

Shared experiences and the networked economy

I was in the theatres again recently, watching shows. I love theatre, especially musicals (Ed: is it okay for Chris to say this?). I wondered why theatre is so special and then realised it’s that shared experience. A bunch of people on stage doing stuff, and a crowd of people sharing what they’re doing. It…

The last thing we need is for banks to innovate

I stumbled across an interesting report by Clarivate who, using a statistical analysis, have identified the 100 most innovative companies in the world. Technology advancement is a complex composition of talent, of competition and of need. New ideas emanate from everywhere scientists, engineers and developers reside. What is the methodology? They basically take the inventiveness…

What should a car sound like?

Banking, like most industries, is being challenged by technology. I don’t say disrupted. Music, entertainment and other industries may have been disrupted. I think banking is challenged. But when I look out at the world, what does surprise and possibly amaze me is how some industries are adapting. We’ve seen banking adapt – who needs…

Green finance is becoming a USP

I see five major groups squeezing the financial markets these days. The first one is obvious: it’s the FinTech start-up community, which is now valued as a third of all banking value. The second is clear too: it’s the Big Tech firms like Facebook and Amazon, who are launching their own currencies and putting pressure…

How does enthnography relate to banking?

Making a statement I was intrigued by a news headline that Lloyds Bank is turning bank statements into art. Sounds ridiculous? Who gets a bank statement anymore? We use an app. But then I read the piece and was more intrigued as yes, it’s been created with an artist. The artist is Paula Zuccotti, who…

Branches, cash and cards? Get out of here!

I’ve been presenting and writing about the end of branches, cash and cards for twenty years: 2007: Bank strategies are fundamentally flawed – design around IP, not branches To be clear, I’m not saying they’re dead. I’ve been saying their role is replaced by the network and digitalisation. Digitalisation is the core, and these old…

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Chris Skinner
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