Chris Skinner's blog

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A world without borders

We all know the world is changing. Every day, we see things changing. The only constant is change. This makes the state we live in today very interesting. I can send a crypto payment from London to Nairobi instantly but, for various reasons, I cannot make a payment to my own account today. That is…

Is this the bank that JK Rowling based Gringotts on?

I found a great interview the other day with Bella Hoare, a partner and director at the world’s oldest privately owned bank, C Hoare and Co. The bank has been run by the Hoare family for 12 generations, and was originally set up as a goldsmiths by Richard Hoare in Cheapside in 1672. Almost twenty…

What would Taylor Swift’s bank look like?

Trust and money and day-to-day life go hand-in-hand. It’s all about who you deal with, how and the outcomes. Recently, I’ve lost trust with Apple, my bank, my friend and my brother. That’s pretty sad, isn’t it? But who do I trust? David Bowie. David Bowie, RIP. Artist, music man, alien and hero. He was…

The rise of the MENA fintech hawk

I’ve recently had a couple of interesting visits to the Middle East and Africa, namely Riyadh and Cairo. Both are keen to highlight progress in fintech, which is interesting as they are two cities that have been on my radar but a little behind others like Dubai and Lagos. So, I was interested in what…

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…

It’s all about trust

Building upon my blog about Revolut the other day, and their need for a banking license, I’ve been accused many times of coming back to a theme that you can only be a bank if you’re a bank with a license. Why do I keep coming back to this theme? It’s all about trust and…

Why Revolut needs a banking licence

It’s all about the difference between an emoney provider and a bank … I’ve been having an ongoing debate with a Revolut fan about the fact that they have an emoney licence, as an EMI (Electronic Money Institution), and that they are not a bank in Britain. It’s part of the ongoing debate about their…

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