Chris Skinner's blog

Shaping the future of finance

Reading

Things worth reading: 21st July 2025

Things we’re reading today include: JPMorgan’s New Fintech Fees Spark Industry Backlash Wise Co-Founder Slams Fintech’s Plans to Move Listing to US Interview: Inside HSBC’s major 18-month mobile banking app redesign £250mn and counting: fines against banks rack up for financial crime failings China Threatens Response to EU Sanctions on Banks, Firms Criminals are targeting…

The Finanser’s Week: 14th July – 20th July 2025

This week’s main blog discussions include … How to find the launderers … or not Someone asked me this week: why isn’t digital identity working? After all, there have been numerous attempts at tackling the issue. Specifically, in finance, we have onboarding, compliance, AML, KYC, PEP and more … and yet none of it is…

Things worth reading: 18th July 2025

Things we’re reading today include … US passes Genius Act, first major national crypto legislation One in five of Trump’s closet allies hold significant cryptocurrency assets The huge financial impact of Elon Musk’s row with Donald Trump Rachel Reeves warned by City grandees not to weaken banking safeguards ‘Surprised’ Trump appears to forget he appointed…

Things worth reading: 17th July 2025

Things we’re reading today include … UK chancellor presents latest fintech-friendly plans and ambitions Mansion House 2025: The Fintech Industry Reacts Broke Britain: how the Bank of England wrecked the economy Could Britain be about to get a digital pound? Some big US banks plan to launch stablecoins, expecting crypto-friendly regulations Central banks face dilemma…

Things worth reading: 16th July 2025

Things we’re reading today include … AI now produces half the code of $88bn fintech Robinhood How Stripe’s Stablecoin Strategy Targets Global Expansion Cryptocurrency could be part of future UK banking system UK should consider banning cryptocurrency political donations, minister says Bank of England governor warns tariff hikes risk ‘fragmenting the world economy’ How a…

Things worth reading: 15th July 2025

Things we’re reading today include … Bank of England Governor warns banks not to issue stablecoins Stablecoin growth – policy challenges and approaches Investment banking set to extend worst run in over a decade Brussels gives Rome a warning over Italian bank mergers Block leads fintech rebound, analysts downplay JPMorgan data fee risk In the…

Things worth reading: 14th July 2025

Things we’re reading today include: Bank of England boss warns banks against issuing stablecoins amid global scrutiny HSBC becomes first UK bank to quit industry’s net zero alliance Lloyds Banking Group in talks to buy digital wallet provider Curve Two visions of European finance clash at elite Italian banking gathering JPMorgan Preparing to Charge FinTechs…

The Finanser’s Week: 7th July – 13th July 2025

This week’s main blog discussions include … Fintech and the Rule of 40 A colleague posted a view about Fintech and the Rule of 40 the other day. What is the Rule of 40? The Rule of 40 is a financial metric, primarily used in the Software-as-a-Service (SaaS) industry, which suggests a healthy company’s combined…

Things worth reading: 10th July 2025

Things we’re reading today include: This new US cryptocurrency law could pave the way for the next global financial crisis Greece Seizes Cryptocurrency in $1.5 Billion Bybit Hack Can UK fintech get a grip on crime? The challenge for challenger banks The Bank of England fines Vocalink Limited £11,900,000 for a compliance failure FSB Calls…

Things worth reading: 9th July 2025

Things we’re reading today include … Monzo fined £21m after customers used No 10 and Buckingham Palace as addresses UniCredit doubles its equity stake in Commerzbank to 20% Metaplanet Eyes Digital Bank in Bitcoin Expansion Plan Pay by Bank: driving the future of seamless and secure payments The Legal Landscape of Cryptocurrency: Insights on XRP’s…