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Shaping the future of finance

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Are you real or fake?

I watched the recent series Capture on the BBC where real-time images can be distorted and changed. This moves from CCTV images to live television. It’s all about deep fake technology where a person can appear to be ‘live’, when it’s just a fiction. Capture is like an extended episode of Black Mirror. It’s also…

In these days that are dumb, I would rather have no bot

I regularly come back to a theme, which is how cloud computing and the smartphone have changed the world of banking. Why banking? Well, the world of entertainment, flights, shopping and more were changed by the internet in the 2000’s, before these technologies appeared. But when the smartphone and cloud landed, banking was disrupted. Why…

What’s up? FIVE banks to pay $1 billion in fines for illegal chats

It’s thirteen years since I had the idea of using social media for insider trading. TBH, any media can be used to buck the system. These days we talk about Telegram and Signal, but a few years ago it was Blackberry Messenger and Facebook. Whenever technology develops anonymity, crime will follow. We might look for…

Chatbots need to make sense, not nonsense

I just had an interesting and lengthy dialogue. After booking flights a while ago, the flight operator cancelled one leg of my flight. Instead of flying to Las Vegas for five nights via Frankfurt, I was now flying to Las Vegas for two nights and then back to my layover city Frankfurt for three nights….

Beware of powerful and ambitious Tigers amongst Big VCs

I shared a post the other day: It inspired FinTech friend and colleague Efi Pylarinou to write a post about it. Efi has kindly allowed me to share the post with you here … Beware of powerful and ambitious Tigers amongst Big VCs We are in the 6th month of the Water Tiger Year and…

Is Apple finance going to change the world?

There’s a regular debate about whether BNPL (Buy Now, Pay Later) is a good or bad thing. There’s a big call for it to be regulated and comparisons with payday loans are made often. Nevertheless, it makes sense as many companies are now grabbing a slice of this space. The latest one is Apple. It amused…

Shared experiences and the networked economy

I was in the theatres again recently, watching shows. I love theatre, especially musicals (Ed: is it okay for Chris to say this?). I wondered why theatre is so special and then realised it’s that shared experience. A bunch of people on stage doing stuff, and a crowd of people sharing what they’re doing. It…

How can you oversee an algorithm you can’t explain?

After yesterday’s blog How can you oversee a system you don’t see?, Ricardo replied on twitter: So, I investigated how our social media platforms’ algorithms fail, and there are lots of examples. Let’s start with Facebook. Facebook’s algorithm is blamed for the spread of misinformation and divisive content, radicalising users and failing to protect them from some of the most…

People who fear being tracked and traced … it’s too late

For years now there has been a discussion of having chips inside humans. I was presenting this idea twenty years ago, and often used the example of the Baja Beach Club. The idea made sense: get a club chip inserted under the skin and you need no wallet or phone … just dance. It particularly…

Crypto: tax it, regulate it, subsidize it

I was reminded the other day of a quote by Ronald Reagan: “If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it.” He said this in the 1980s about the government’s view of the economy, but let’s apply it to cryptocurrencies. Initially irrelevant but now mainstream, many…

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Chris Skinner
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Presentation at ZBP, September 2020, Warsaw, Poland

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Gaping Void's Hugh MacLeod worked with the Finanser