Chris Skinner's blog

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The pandemic has changed customer behaviours forever

If you didn’t read my blog last week asking whether the pandemic had transformed banking to be digital forever (answer: no), what is obvious is that the pandemic has changed consumer behaviours forever. This was brought home to me when reading the Forbes-Ipsos survey of American consumers views of digital banking. The survey took place in…

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…

$2 trillion a year sits rotting in bank accounts

This headline caught my attention the other day: Bank loyalty costs savers £1.6 billion a year in missed interest The detail: There’s £246.5 billion ($340 billion) languishing in accounts paying no interest at all … A survey of 2,000 adults across the UK, with 42 percent of respondents stating that they didn’t think it was…

Why do we need banks and branches?

For years, people have argued that you need branches to serve customers for more complex transactions: to serve people who are uncomfortable with digital access; to serve young people getting their first mortgage; to serve retailers and small businesses with their cash needs; and so on and so forth. Baloney. To be honest, I’ve advocated…

BNPL became a big thing in August

Some years ago, July 2015 to be exact, I interviewed Niklas Adalberth, co-founder of Klarna. Niklas left the company shortly after but is still invested and, interestingly, is investing in other unicorns like Mollie. Not bad for a guy who was flipping burgers for a living in his 20s (he’s now 39). I quote from that…

Mapping the Finverse

I blogged the other day about the Finverse and $100 billion invested in FinTech firms in the first half of 2021. Wow! It made me think that I often talk about the fact that there are 1,000’s of FinTech start-ups launching around the world. My guess today is that there are over 15,000. Who knows? There…

$100 billion spent on FinTech in just six months …

The world is getting interesting. Circle announces plans to become a fully registered bank; Lending Club buys a credit union; Credijusto (Mexico) buys a bank; Raisin (Germany) acquires a bank … the list has, is and will go on. Meantime, JPMorgan snaps up OpenInvest; US Bank buys Bento; Lloyds (UK) acquire Embark Group; Visa eats…

Banks embrace the gig economy

I just got a report from PwC and my heart sank. The headline is: Financial institutions to significantly increase use of gig economy workers to upskill workforce PwC report suggests up to a fifth of future workforces in financial services could be gig employees The detail is: Importing the digital and specialist skill sets of…

The Omniaccess Future (Free Research Report)

The new word of focus, as proven by research, is omniaccess. Forget omnichannel. We just performed a short survey about the views of banks and FinTechs regarding the pandemic, sponsored by Oracle. The results are out today and here’s the summary: 48% believe the change from physical to digital is here to stay 47% believe we’ll…

Fintech expert Chris Skinner: countries need digital transformation to remain competitive

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Chris Skinner
Commentator, CEO of The Finanser and best-selling author at The Finanser

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