Chris Skinner's blog

Shaping the future of finance


Swift is a Unicorn

No, this is not Swift, the global bank messaging network, but Taylor Swift who is now a unicorn, worth more than a billion dollars. Bloomberg reports that “the success of the Eras tour — a Super Bowl-sized event spanning numerous cities that has shattered records, sparked ticket frenzies and even caused the equivalent of a…

How Musk trashed twitter

I’ve noticed many dislikable trends since Elon Musk took over twitter. First, the system is broken. Rebranded as X, which no-one likes, the whole interface has changed. My main access was via tweetdeck, which is now only available via premium subscription, and then it does not work as before. For example, before, I could have…

Is AI the biggest risk today?

I just got a copy of Gartner’s emerging risks report for the second quarter 2023. A summary of the report is below but, before you read that, the charts speak volumes. First, we talk about PEST – Political, Economic, Social, Technological – forces for change. Right now, unsurprisingly, most change forces are based upon economic…

Is Open Banking all it’s cracked up to be?

When Open Banking launched in the UK, it got a drubbing from the media (I blogged about it). The issue is that the media and banks believe that sharing your financial data will compromise your security. That attitude still persists today, which is why Open Banking hasn’t really taken off. By way of example, five years…

Stack IT high, sell IT cheap

I was not amused to hear that a UK council is bankrupt. The council blamed an IT system that cost the earth. The IT system was meant to cost £19 million, but exploded over time to a cost of over £100 million. This is nicknamed the Oracle disaster by The Register, but it runs deeper…

What if your money is inside your brain?

Building on yesterday’s idea of the future world, where our brains are connected 24*7 in real-time to the network, what would that mean for financial services? Well, I’ve blogged about this a few times already: Invisible banking is the place to be Nobody wants embedded finance Specifically, if we think of money as part of…

You can’t handle the truth

My typical day is spent with news channels in the background. It makes me feel like I’m in an office. The non-stop chat and talk of people about the problems of our world. Thing is that, the more you hear global news, the more you get depressed. Good news is not news. The celeb gossip,…

How should banks identify bad actors?

As the Nigel Farage affair rolls on, with resignations and regulations flowing fast, I was struck by one comment in The Financial Times, where a financial analyst said that these changes could prove challenging. “How does it work if a bank is being told ‘we’ll rip your arms if you process money for the wrong people’,…

What was the point of #Brexit?

Seven years after the vote and Britain still feels European whilst not being in European Union. What’s the point of that? In particular, there’s a fair dilemma about regulations in banking in Britain. Should they stay aligned with the EU or go their own way? I guess the more telling question is: what was the…

Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us

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

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Kids creating the future bank | TEDxAthens

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Gaping Void's Hugh MacLeod worked with the Finanser