Chris Skinner's blog

Shaping the future of finance

Trust

Jobs of the Future, Part One: Guardians of Reality

This is the first in a series about Jobs of the Future. I believed for a while that there would be no way AI could create music, poetry, stories, art and ideas, but have now been proved wrong. AI can do all that and more. But can it create relationships and feel like a human?…

The forgotten story of Clarence Saunders vs Wall Street

I just watched Dumb Money, the true story of Gamestop where a wild band of small investors led by Roaring Kitty attacked the big Wall Street short sellers by banging the buck. The more small investors invested, via Robin Hood, the more short sellers lost as the stock rose instead of falling. It’s a good…

Who do we trust, how and why?

It intrigues me how quickly our world of money is changing from crypto to fintech to BaaS to infinity and beyond. The question that constantly sits in the back of my mind is how to regulate all this stuff to maintain trust? From Synapse to FTX to Beenz to Boo, how can the regulator keep…

Banks make millions from the most vulnerable

As mentioned, I’m dealing with my mother’s financial affairs as she reaches end of life, and I’m finding it incredibly frustrating. The process is that there first needs to be a Power of Attorney in place. Luckily, she saw that coming and gave it to me. That’s a government portal which allows me to take…

In Gov we trust

Everyone keeps saying that the core of banking is trust. It’s not ROI, ROE, CI or other acronyms. It’s trust. But what is trust, and how is it created and maintained? That’s a core of where we should focus. In banking, trust is not in the brand or the name; it is in the belief…

Identity? Forget mobile … think eyeballs!

I just spotted a blog by Alan Stapelberg, who is Group Product Manager for Google Wallet. Here’s his opening para: “Imagine starting a vacation like this: You arrive at the airport and breeze through security by tapping your phone to a reader, scanning your boarding pass and ID. While waiting to board, you grab a…

Who do you think they are?

For years, we have talked about digital identities and how to make them work. The fact is that most countries are lagging behind whilst a few are leading, such as India with Aadhaar. Where it is working, it is totally transformative. For example, India moved from only 35% of the population able to access bank…

Licensed to trust

I’ve been talking about trust a lot lately, as that’s the basis of why you put money in a bank. You trust them. Why do you trust them? Well, it’s not because of their brand or their branch. It’s because they are licensed and promise to guarantee that they will not lose your money or,…

When it comes to money, who can you trust?

As it’s the quiet summer, I’ve been watching too much on Netflix, Prime, Disney and Apple. Yes, I subscribe to them all. It’s interesting that the content is either about love, hate, fear, happiness and other emotions. The one thing that links nearly all the ones I watch is money, because money is power. Whether…

The unappy mess of APP in the UK

I seem to have been immersed in APP fraud recently, mainly because the UK government is introducing new laws to manage such fraud on October 7. What is APP fraud? It is an Authorised Push Payment. It’s basically where you pay for something voluntarily which is not real, such as a parcel delivery that is…

Chris Skinner Keynote, April 2025, Europe

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

What is the future?

Learn more

Learn more about Chris

About Chris Skinner

The Past, Present And Future Of Banking, Finance And Technology

Fintech expert Chris Skinner: countries need digital transformation to remain competitive

Join me on Linkedin

Follow Me on X!

Hire Chris Skinner for dinners, workshops and more

Learn directly from from one of the most influential people in technology, gain insights from the world's most innovative companies, and build a global network.

Chris’s latest book

Order now

Chris Skinner’s ‘Intelligent Money’ Book Launch Event

Top 30 Regtech Blogs

Top 40 UK Fintech Blogs

Lifetime Achievement Award

Kids creating the future bank | TEDxAthens

Alex at the Financial Services

Gaping Void's Hugh MacLeod worked with the Finanser