Chris Skinner's blog

Shaping the future of finance


Banking 2034: where will you be?

Thinking about banking conferences over the years, there are three main messages that are presented by people on stage: Banks won’t exist in ten years Banks will exist, but it’s all going to be very different Banks will exist, and it’s going to be a lot like today Let’s take #1: Banks won’t exist in…

Innovation is being damaged by lack of confidence in governance

I just got a report on trust from The Institute of Business Ethic’s (IBE’s) (attitudes of the British Public to Business Ethics 2024 survey) in business and politicians. Headlines? Only 14% of 2067 UK adults polled trust that politicians behave ethically in 2024. Charities, businesses, media and politicians, have all experienced a three-point decrease in trust from 2023. Corporate…

What the Finternet?

The Bank of International Settlements (BIS), the guys who create the Basel rules and control much of the way the global banking system works, released a paper the other day about the Finternet: “the financial system for the future”. The idea is that all of the financial world will connect through unified ledgers integrated by…

Who are you? eIDAS2!

I recently stumbled across an update of eIDAS. Have you heard of it, eIDAS2? It’s all about our digital identities in the European Union. The first eIDAS – short for electronic Identification, Authentication, and trust Services – tried to sort out all the ways to recognise who you are online. That first version was implemented…

Do we have perfect market knowledge?

I’ve thought for years that we are moving towards perfect market knowledge, where demand and supply information becomes equal to all buyers and sellers. Now that we have OpenAI and Gemini, are we getting there? During the 1990s, I spent a lot of time discussing neural networking where we could pair stocks to buy and…

The growing deep fake scam crisis

“AI, powered by quantum computing, is going to put financial crime potentially on steroids.” It’s not my quote. It’s actually a comment made by David Duffy, CEO of Virgin Money (now Nationwide) after visiting Microsoft’s headquarters in Seattle. From my side, this is an area that’s been worrying me for a while, ever since the…

Is technology improving or destroying humanity?

I’ve recently been seeing more and more about eugenics. Eugenics is a supposed scientific way to develop the perfect human, immune to disease and designed to live long and prosper (as Spock would say). A more formal definition comes from The National Human Genome Research Institute: Eugenics is the scientifically erroneous and immoral theory of “racial…

Big Brother is here and watching you

Talking about trust, the other side of the coin is what is the bank doing to protect privacy? Increasingly, due to regulatory concerns, banks are becoming government spies. They are watching our every move and reporting it. This recently cropped up on my personal radar when the bank became my interrogator and grilled me about…

Technology is good, but humans are more important

Sitting at a recent conference meeting, one of the folks around the table said: “technology is good, but humans are more important”. That got me thinking, and maybe not in a good way as it immediately made me see that future of machines running the world, and humans coming second. Ex Machina, Terminator, Black Mirror…

Why Facebook [Meta] is the enemy

Continuing my debate about data usage and data abuse, I listened to a fascinating discussion from the BBC about whether Mark Zuckerberg is a good or bad billionaire. You can listen to the podcast if interested, but a few items came up such as the release of customer data to Cambridge Analytica a few years…

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