Chris Skinner's blog

Shaping the future of finance


The fine line between banker and jail

Some years ago, I regularly talked about bankers being criminals. It’s not a popular theme with the banking community but, a bit like a genius, bankers walk that line between good and bad. Genius’s walk the line between amazing and mad. It’s a fine line. Thing is that there are bad bankers. There are bankers…

Who owns the mandate?

I was intrigued by a new report from the IMF entitled: The Impact of Fintech on Central Bank Governance (you can download it for free). I was particularly intrigued by its opening: Central bank governance is a concept composed of four constitutive and interrelated components: a central bank’s (i) mandate, comprising its objectives (the “why”),…

FinTech4kids, Part 5, Biometrics and Identity

When I wrote the Captain Cake series and pivoted to be a children’s author as well as a FinTech guy, a friend said that I should write a children’s book about FinTech, which I did. It’s not something aimed at publication as a book, but thought I would share with you what I came up…

Who do you believe in: the state or the network?

I find so many similarities between what’s happening with COVID and what’s happening with cryptocurrencies. Why? It’s all to do with how they’re regulated. I don’t know about your country, but I’m in between two countries: the UK and Poland. After recently visiting the UK, where COVID rules are so confusing you have no idea…

Walk the line …

My yesterday blog about COVOID idiocrasy annoyed a few people. I was accused of writing a common tabloid ranting column, railing against the government. Yea … … so? So? So … so, I wrote it with a point. How are they implementing these COVOID regulations? Who is checking on the people? You may say, but it’s…

Why did HSBC dump their biggest corporate client?

Talking about HSBC often drags me into political controversy. For example, when I criticised the bank for not making a stand over the Hong Kong protests, I got a lot of pushback. Frankly, I don’t like to dip my feet into political waters unless forced to and, in the spirit of that thinking, I was prompted…

Are Monzo’s growing pains, major pains?

Building on yesterday’s blog where I mentioned Monzo’s issues of client onboarding, I mentioned that, for the past few months, I’ve noticed many tweets from Monzo customers about accounts being closed suddenly, with no explanation. Each time, I’ve shared the information and copied Monzo and asked them to explain. Hey Chris 👋 Thanks for expressing…

What was that Brexit deal, again?

Britain has left the EU, but now I read headlines everywhere saying cross-border movements are impossible, Ireland is broken, the City was ignored, our fisherman cannot sell shellfish and so on and so forth. A disaster? Possibly but, on the other hand, everything that is wrong with the EU was illustrated by the Covid vaccine….

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 ‘Digital For Good’ Book Launch Event – CFTE

Top 50 Global Thought Leaders and Influencers on FinTech 2023

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

Thinkers360 Thought Leader

Contact Me

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


Alex at the Financial Services

Gaping Void's Hugh MacLeod worked with the Finanser