Chris Skinner's blog

Shaping the future of finance

Payments

This house believes our authentication and identification methods work

Last night’s debate, “This house believes our current authentication and identification methods are good enough”, was a healthy one and focused primarily upon card authentication in retail transactions. We started with the case for. The motion was proposed by one of the major card processing firms, who said that the card firms are trying to…

This house believes our authentication and identification methods work

Last night’s debate, “This house believes our current authentication and identification methods are good enough”, was a healthy one and focused primarily upon card authentication in retail transactions. We started with the case for. The motion was proposed by one of the major card processing firms, who said that the card firms are trying to…

Digital Identities? We haven’t got a clue!

Today is a day that’s all about authentication, identification and verification. First, I have been asked to make a speech at a payments conference all about how to minimise risk; and, second, we have a meeting of the Financial Services Club this evening, in the form of an Oxford Society style Debate with the motion:…

Banks versus Consumers – who wins?

Front Page of Business Week today: Banks versus Consumers – who wins? The focus is upon credit cards and debt collections and, with American credit-card debt hitting a record high of $957 billion in Q1 2008, up 8% from the previous year, according to Federal Reserve data, this is a growing market.   One of the…

Upgrade, evolve or demolish

As you walk the streets of Rome, you find modern and ancient intertwined. The streets are full of gorgeous clothes from designers ranging from Salvatore Ferragano to Versace, Louis Vuitton to Gucci, Prada to Armani. All the names are here in beautifully presented shops that ooze money. These shops are squeezed into streets laid with…

Upgrade, evolve or demolish

As you walk the streets of Rome, you find modern and ancient intertwined. The streets are full of gorgeous clothes from designers ranging from Salvatore Ferragano to Versace, Louis Vuitton to Gucci, Prada to Armani. All the names are here in beautifully presented shops that ooze money. These shops are squeezed into streets laid with…

UK Faster Payments goes live today

The Faster Payments project goes live today after over three years in the planning, $300 million investment in new systems and some delay – it was meant to go live in November but required such significant systems redevelopment that it took six months longer. It should be good for all, as it means D+0 is…

What is financial inclusion?

The European Commission is running a conference this week about financial inclusion and the unbanked. According to the Commission, almost half of all of the citizens of the EU10 – Poland, Hungary, Czech Republic, Slovakia and other recent joiners, but not Bulgaria and Romania – have no bank account. According to their research, 47% of…

“A smarter, simpler SWIFT”

The SWIFT Annual Report came out last Friday (download it here, 3.4 Megabytes) and makes for some interesting reading, especially as I like numbers.  Yes, it does include lots of numbers: there are 8,332 institutions connected to SWIFT (note: institutions, not banks) across 208 countries and territories; over 3.5 billion FIN messages exchanged last year…

“A smarter, simpler SWIFT”

The SWIFT Annual Report came out last Friday (download it here, 3.4 Megabytes) and makes for some interesting reading, especially as I like numbers.  Yes, it does include lots of numbers: there are 8,332 institutions connected to SWIFT (note: institutions, not banks) across 208 countries and territories; over 3.5 billion FIN messages exchanged last year…

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

What is the future?

Learn more

Learn more about Chris

About Chris Skinner

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

Learn directly from from one of the most influential people in technology, gain insights from the world's most innovative companies, and build a global network.

Chris’s latest book

Order now

Chris Skinner’s ‘Intelligent Money’ Book Launch Event

Top 50 Global Thought Leaders and Influencers on Finance 2024

Global Awards

Lifetime Achievement Award

Global 100 - 2024 Winner

Chris Skinner - Financial Markets Advisor of the Year - The Finanser - UK 2023

Best Financial Markets Advisor of the Year 2023

30 Best Regtech Blogs and Websites 2023

Kids creating the future bank | TEDxAthens

Captain Cake and the Candy Crew

Captain Cake Winner of a Golden Mom’s Choice Award

TWO-TIME WINNER OF A MOM’S CHOICE GOLD AWARD!

Alex at the Financial Services

Gaping Void's Hugh MacLeod worked with the Finanser