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Why women get a raw deal from banks

Being debanked is pretty awful … just ask Nigel Farage or Chris Skinner … but what about if you’re a woman? As money controls life, do women get a good deal? Not really. Everywhere around the world, women have less access and use of banking, and yet women are the global influencers of finance. What’s…

A financial offer to die for

I attended a meeting this week presenting a variety of startups and their ideas. All of them were great, but one stood out for me: Fairwill. Obviously playing on the word farewell, Fairwill provides an exit policy for humans … as in death specialists. It sounds morbid but there’s only two certainties in life: death…

AI is a huge mistake (if you don’t understand what it’s for)

It does amaze me how many people in banks and technology firms talk about Cloud, Big Data, Artificial Intelligence, Fintech, Blockchain, Apps, 5G, Analytics, APIs and more as though they are all buckets. They are buckets of technology, but in each bucket is a use case and, in many, hundreds or even thousands of use…

Weaponising bank branch closures

The UK has an election in July. The likely winner is the left-of-centre Labour Party, after 14 years of the righter wing Conservative Party. The new leader will be Sir Kier Starmer, a guy described as a “political robot”. Nevertheless, his party has created a burning platform to win votes. No, it’s not “stop the boats”…

If you are data-dumb, you cannot compete

Whilst I was in South Africa, they couldn’t help talking about Rugby  (could they?). You may remember that South Africa won the Rugby World Cup last year* for the second time in a row – a rare feat – and are the top-ranked world rugby team right now. So, it’s not surprising they would talk about…

Is this the man who invented BNPL?

A few people got excited about Affirm working with Apple Pay to embed BNPL (buy now, pay later) in their services. As reported by CNBC: Apple device users will be able to tap into buy now, pay later loans from Affirm for purchases Affirm will surface as an option for Apple Pay users on iPhones…

Is digital banking done?

As Revolut reports exceeding 40 million customers across Europe and Monzo raises $430 million at a $5 billion valuation, many people are thinking that the challengers are no longer challengers. They are banks. Putting it in context, in the UK, NatWest have 14 million retail customers; Monzo has over 9 million. The challenger has matured. Yet, when…

What’s NOT hot in Fintech?

In discussion with other investors, we were talking about what’s hot and what’s not in fintech. What’s hot I discussed the other day. What’s not is today’s discussion. Our conclusion was that digital banking, neobanks and challengers, BaaS, payments, lending and other well trodden fintech fields are no longer hot. Been there, done that. These are the areas…

What’s hot and what’s not in fintech?

In a long strategy session yesterday, we were trying to list the things that are hot and what’s not in fintech. So, what’s hot? Obviously crypto and AI. However, those are the headline buckets, what’s the detail? The detail is the use cases of crypto and AI. This is something I say often, as you…

Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us

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About Chris Skinner

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