Chris Skinner's blog

Shaping the future of finance

Innovation

Welcome to the Finverse

Am I the only one fed up with catchphrases in tech to create the Next Big Thing (NBT)? Cloud, Big Data, Platform, Ecosystem, Kubernetes and more are regularly catching an ember to try to spark a fire. Sometimes it works – Digital and Banking-as-a-Service (I’m biased as I was there first) – but some just seem silly. Take…

Is there life on Mars?

Twenty years ago, I remember being impressed when the late, great David Bowie launched a bank. Admittedly it was backed by USA Bankshares, a proper bank, but the idea of celebrity-branded banks was expected to become a thing. Funnily enough, it hasn’t (unless you count Will.i.am and Atom) yet, nevertheless, what has become a thing…

Would you believe they put a man on the moon?

… “Any sufficiently advanced technology is indistinguishable from magic” Arthur C. Clarke This quote has stayed with me throughout my life. Every time there is a new technology, we start with seeing it with awe and wonder then, within a few months, we view it as part of the fabric of our lives. We take…

Banking on digital growth

I recently joined The Digital Growth podcast …   powered by Sounder … and they kindly transcribed the conversation, so I thought I would share it here. Chris Skinner: Traditional banks tend to push products through channels to get greater share of wallet and cross sell. Whereas, digital banks start with the customer journey and…

Is the Crypto revolution finally underway?

I haven’t commented much on bitcoin’s (BTC) recent surge, as I’ve been watching and waiting, but it is something. Just in case you didn’t notice, the value has moved from a low of under $5,000 per BTC in March 2020 to around $50,000 per BTC today. But it’s not just BTC: it’s Ether, Bitcoin Cash,…

Singapore-on-the-Thames? Welcome to the new London … [Kalifa Review]

In the midst of Brexit plans and a Covid pandemic, the UK Government launched a FinTech review chaired by Ron Kalifa. I’ve met Ron at a few conferences, when he was CEO and then Chairman of WorldPay and will find it interesting to see what he finds. “The intention of this review is to establish…

How Robinhood’s Game Stopped

Unless you were hiding under a rock last week, you must have noticed the Gamestop story. In case it left you bemused, Simon Taylor of 11FS gives a great breakdown of what happened. Over to you Simon … How Robinhood weaponized the Occupy Wall Street movement What happened with Gamestop is the beginning of economic…

Banks must personalise services before others do

It strikes to my digital nerve when I see forms that ask for a FAX number. What’s a FAX? Or someone said the other day that I should Xerox that. What’s Xerox? Watching a movie. Investigator is checking paperwork at a hotel and the guy says: “Hey man, are you done or do you need…

Regulation is meant to strangle innovation

I guess I’ll build on yesterday’s blog, about the python of regulation, by harking back to a comment I heard many years ago in Brussels. Talking with one of the key regulators, I asked why they had the regulation in place with so much interpretation. My point was that Italy was implementing the regulation in…

Stripe: the Amazon of finance?

I hadn’t realised the significance of Stripe’s recent press release until I stumbled over the Stratechery write-up over the weekend. Stratechery points out that Stripe has gone from a simple merchant checkout API to a platform of platforms. The significance of that? Well, think of the Amazon of finance: that’s Stripe’s ambition. So, what was…

What is the future?

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Chris Skinner
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