GAFA have already opened banks … just not in America
I heard a rumour the other day. The rumour goes something like: are you not surprised that banks grow into big beasts, as it’s government supported? Governments want banks to be big and regulated, because governments can then access the data the bank is keeping about their clients. IT’s access to data for tracking financial…

web 5.0, the 2030s and Samantha
There’s a line in the 2013 film Her, it’s not just an operating system, it’s a consciousness. The film is about Theodore, played by Joaquin Phoenix. Theodore is a lonely writer who gets to trial a new operating system OS1, the world’s first artificially intelligent operating system. The OS1 tailors itself to your habits and…

Who needs a financial centre?
For ten years, my friends cover at Z/Yen have been producing the Global Financial Centres Index (GFCI), on behalf of the City of London. It’s a research program where people can answer the survey questionnaire and, from those participating, the different cities of the world vying to be financial hubs are ranked. Around 2,500 people respond…

Dodd-Frank, Donald Trump and Goldman Sachs: you’ve been suckered
The big headline on Friday was Donald Trump has signed an Executive Order to review the Dodd-Frank regulations. He also changed rules relating to brokers, so that they can seek maximised profits rather than being forced to behave in the client’s best interests, as ordered under the Obama Administration. MSN reports: Taken together, the president’s…

FiBD: The FinTech Bullshit Detector
I’ve been wondering for a while how so many companies can be starting up something in the same space, and how are they surviving? The reason for mentioning it is that we keep hearing these numbers around how many billions are being invested in FinTech, bitcoin, blockchain and such like, and yet I cannot see…

The Catch 22 of Banking
I realised the other day that financial markets are confused. On the one hand, we spend all of our time criticising banks for being slow to change, inflexible, lacking customer focus and being greedy and, in some cases, fraudulent; on the other, many reckon that challenger banks are not that at all – they’re just…

Could Trump and May be the new Reagan and Thatcher?
I guess I’m an optimist and, in a world of pessimism, it’s an interesting place to be. I say a world of pessimism as all I’ve seen since the Brexit vote and Donald Trump being President-elect is negativity. A constant stream of we are screwed appears in my Facebook feed, and everyone seems to think…


Chris Skinner Keynote, April 2025, Europe
Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us
What is the future?

Learn more about Chris
The Past, Present And Future Of Banking, Finance And Technology
Fintech expert Chris Skinner: countries need digital transformation to remain competitive
Join me on Linkedin

Follow Me on X!

Hire Chris Skinner for dinners, workshops and more

Chris’s latest book

Chris Skinner’s ‘Intelligent Money’ Book Launch Event
Top 30 Regtech Blogs

Top 40 UK Fintech Blogs

Lifetime Achievement Award

Kids creating the future bank | TEDxAthens
Alex at the Financial Services

Gaping Void's Hugh MacLeod worked with the Finanser
