Opinion

I’ve grown up angry. Angry with the system, angry with the world, angry with the way things work, angry with me. Not great, huh? I need some anger management. I meet people who are laid back, who are relaxed, who are chilled. That’s not me. I’m a troublemaker. A fire starter. Thing is that I…

As we move from cash to cashless, turbo-charged by the pandemic, there is a fundamental challenge to ATM providers like NCR and Diebold Nixdorf. I had this view back in the 1990s. It’s just taken a quarter of a century to become a reality. In the UK Link, the largest cash machine network, said there…

When I was growing up, my parents drilled into me a number of key reasons to live: get a good job, build wealth, buy a house, get married and have kids. They also made it clear I should not cheat – should not cheat on my partner or employer; should not steal or back-stab; should…

I grew up in a village, miles from the nearest town. I moved to a city in the north after university and then to London for work. I enjoyed my work and yearned to travel. Luckily, my work allowed me to travel. I’ve been to more countries than I care to mention but then, back…

Having watched the emergence of cryptocurrencies, digital currencies, blockchain and Distributed Ledger Technology (DLT) for a decade, I have made a firm view. Most of the people involved in this space are deluded and naïve; most of the people involved in this space don’t understand the system or how things work in the world; and,…

I had a bit of a twitter spat with my friend Peter Matza, who has a background in corporate treasury. You can follow the thread from here: The total wealth of billionaires worldwide rose by $5 trillion to $13 trillion thanks to digital transformation and government stimulushttps://t.co/DyaBU46xaQ via @paullewismoney — Chris Skinner (@Chris_Skinner) May 14,…

I was thinking about run the bank, change the bank, and the challenges therein. Part of it was down to a conversation that repeats quite often about it being easier to launch a new bank than change the old bank. Something I’ve argued against regularly. Reason being: what are you doing with the old bank, its…

I woke up and, as usual, checked the banking app for any updates or changes. There was a payment received.  Quite a major payment. It came from BIG NUTS ASS*. BIG NUTS ASS*? Who is BIG NUTS ASS*? I have no idea. I rang the bank. That took a long time. Due to coronavirus, we…

UPFRONT STATEMENT: I have crypto, but treat it as an experiment I attended an event in 2016 where Elon Musk was the star speaker. It was a good event, and he made sense. He doesn’t make sense anymore. Back then, I wondered if he was the 21st century’s real-life Tony Stark creating life on Mars…

I’m starting to worry about FinTech as they seem to have fallen foul of regulatory compliance and, as a consequence, customer trust. The biggest challenge for a challenger is to keep customer trust AND regulatory compliance. This is what we are seeing having consequences today. The fact I’m starting to worry about FinTech, as an…