Chris Skinner's blog

Shaping the future of finance

Technology

Unimaginable and unmanageable risks, or total transparency and control?

Just sat through a day of academic debate about the financial crisis and how much technology was to blame. We’ve had these blame games many times in the past, usually to try to point a finger at an individual like Greenspan or Brown, so taking the finger to point to an inanimate pile of metal…

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AMEX enter the P2P payments war

I got an interesting link last week to a new website called Serve.com. It’s the website spawned from the takeover of Revolution Money by American Express for $300 million last year, and goes live today with a marketing blitz across the USA. The service is basically Revolution Money’s MoneyExchange, Version 2.0. If you’re not familiar,…

Serve

The Mobile Revolution

Mobile featured heavily throughout the International Payments Summit and it is clear that mobile is not only important; it is imperative. This was made loud and clear by a comment from Daniel Marovitz of Deutsche Bank that it used to be that online and offline worlds were separate because, to make an online payment, you…

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Banks should advise customers on the do’s and don’ts of social networking

Banks miss a trick in not advising customers how to network socially with safety, so here’s my top do’s and don’ts for social networking. It’s not exhaustive, but just those that are top of mind and banks would do well to send such advice to their customers in writing, online and always when they logon…

Banks “will absolutely not be disintermediated”

We got into another fine debate this week about bank disintermediation, a term used liberally throughout the 1990s and early 2000s when Web 1.0 came around, and then was dropped just as fast. Disintermediation – taking the bank out of the customer delivery cycle and displacing it with a new provider. As if that could…

What is a ‘social bank’?

A long conversation about digital worlds and social banks yesterday. I was asked what is a ‘social bank’, and had to explain two or three times to really get the point across. That worries me, as social banking should be a simple concept. The issue is that it gets confused with social work and social…

Why mobile is critical to the future bank

It’s the GSMA Mobile World Congress (MWC) in Barcelona this week. It’s a big deal as the mobile operators and manufacturers announce their major news items for the year, such as Microsoft acquiring Nokia. That’s why Steve Ballmer is down there doing a keynote today along with Dick Costolo, CEO of Twitter. There’s Eric Schmidt,…

Forget privacy, I want prizes

I've been having an interesting dialogue with Jacques Bayens re information usage versus privacy and intrusion after my blog about information as a competitive weapon yesterday. The gist of Jacques point is that there should be limitations on data usage, as a bank pushing loan drugs to thirsty gamblers outside casinos is not a pleasant picture….

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Information as a competitive weapon

A year ago, I was hugely influenced by a 16-page technology supplement in the Economist that talked about information wars. The stand-out quote from that report was from Craig Mundie, Head of Research and Strategy at Microsoft, who stated: “ Data is the greatest raw material of business, on a par with capital and labour….

The Social Construction of Technology (SCOT)

In response to my fifty years of magic blog, one reader felt that it missed a key point about SCOT. I thought they were firstly referring to Scottish folks, of whom I am very fond even though they wear skirts (that’s for all our FSClub Edinburgh friends ;-)). I then thought it might be to…

What is the future?

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