Chris Skinner's blog

Shaping the future of finance


Why women get a raw deal from banks

Being debanked is pretty awful … just ask Nigel Farage or Chris Skinner … but what about if you’re a woman? As money controls life, do women get a good deal? Not really. Everywhere around the world, women have less access and use of banking, and yet women are the global influencers of finance. What’s…

Banking 2034: where will you be?

Thinking about banking conferences over the years, there are three main messages that are presented by people on stage: Banks won’t exist in ten years Banks will exist, but it’s all going to be very different Banks will exist, and it’s going to be a lot like today Let’s take #1: Banks won’t exist in…

The problem with PayPal

I’ve had a few things happen when making a payment. Sometimes to the wrong account; sometimes a fat finger 0; sometimes an issue with identifying the payee; etc. And the issue I run into is that the system does not accept questions about the payment I made. I cannot revoke a faster payment or a…

Is this the man who invented BNPL?

A few people got excited about Affirm working with Apple Pay to embed BNPL (buy now, pay later) in their services. As reported by CNBC: Apple device users will be able to tap into buy now, pay later loans from Affirm for purchases Affirm will surface as an option for Apple Pay users on iPhones…

How can we be data-driven when we’re data-dumb?

I’ve written a lot about how banks are dumb with data because they’re spread over so many systems with massive technical debt, and yet every bank is now saying to me that they are “data driven” with “digital at the core”. Really? Most of those banks, when I look under the hood, are bankensteins. These…

If AI wrote your aggregation script, here’s what it would say

A friend of mine was inspired by my aggregation discussions last week* to ask ChatGPT what they would do about it. The discussion was so good that I feel I have to share it so, here it goes: Anonymous I am researching Financial product and fintech product solutions that provide do good, positive financial wellness…

One account to rule them all?

I was having a chat with some friends about the good old days, where everything was domestic and local. We had passbooks, cheques, cash and branches. Ah, those were the days. Life was simple, money was all in one place and easy to manage. Then the ATM came about and so we moved to cards…

What would Taylor Swift’s bank look like?

Trust and money and day-to-day life go hand-in-hand. It’s all about who you deal with, how and the outcomes. Recently, I’ve lost trust with Apple, my bank, my friend and my brother. That’s pretty sad, isn’t it? But who do I trust? David Bowie. David Bowie, RIP. Artist, music man, alien and hero. He was…

It’s all about trust

Building upon my blog about Revolut the other day, and their need for a banking license, I’ve been accused many times of coming back to a theme that you can only be a bank if you’re a bank with a license. Why do I keep coming back to this theme? It’s all about trust and…

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Chris Skinner
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Kids creating the future bank | TEDxAthens

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Gaping Void's Hugh MacLeod worked with the Finanser