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The challenge of being a challenger bank

I recently met a start-up bank.  They were depressed.  Having submitted their third proposal for the bank, the regulator was still pushing back.  This felt familiar.   Having seen so many new start-up banks in Britain, I was familiar with the start-up process.  It involves hellishly detailed documentation showing effective plans, governance and funding.  The first…

This Town is coming like a Ghost Town

I grew up in an era of Ska music with the Specials, Madness and The Selector being regulars on the University circuit.  One song that brought back memories of this era played on the radio the other day: Ghost Town. The main line repeated throughout the song is This town … is coming like a…

Things worth reading: 8th May 2017

Things we’re reading today include … Is your money safe? Why are analysts so bullish on Lloyds Banking Group plc? Australia to hold new inquiry into ‘Big Four’ banks Goldman Sachs wins largest concessions on Volcker rule Upstart challenger banks eye consolidation Debit card control lets you ‘turn off’ card to beat scams Rich List…

Things worth reading: 2nd May 2017

Things we’re reading today include … Trump is considering new Glass-Steagall-style bank rules Former Wells Fargo CEO says breaking up big banks would be a mistake JPMorgan’s Dimon says biggest fear is bad public policy Infosys plans to hire 10,000 U.S. workers after Trump targets outsourcing firms RBS lawsuit set to draw Fred Goodwin into…

The Semantic bank

I have a keynote coming up on May 19 in Amsterdam with The Next Web, who I regularly write a column for now.  Here’s my latest one: I’m delighted to be speaking at TNW on May 19 in Amsterdam.  I wanted to talk about Digital Human, the theme of my next book, but the guys want me…

An interview with yours truly on today’s issues for banks

I was recently asked a set of questions by .BANK and duly answered.  The interview is now online so I thought I would share it here … .BANK: In your book, The Future of Banking in a Globalised World, you explore the impact of regulatory change on the banking industry. With the move to less regulation…

Not all US banks are against Open Banking

I blogged recently about American banks beating up the regulators to stop account access via APIs.  I heard this in various White House meetings in 2016, and assumed all banks and bank people felt the same way.  Well, they don’t.  Citi’s head of FinTech Policy, Andres Wolberg-Stok, got in touch to clarify the true situation….

Things worth reading: 6th April 2017

Things we’re reading today include … Monzo, a UK digital-only challenger bank, granted full banking license China’s Army of Bank Tellers Retreats China curbs ‘Wild West’ P2P loan sector London and Brussels urged to agree Brexit transition deal to protect banks Banks and building societies snub Lifetime Isa launch U.S. regulator fines Credit Suisse unit,…

Sweden going cashless

For as long as I can remember, I’ve been hearing about a War on Cash.  The war, as illustrated by India’s recent demonetization, is not on cash itself but on the illegal use of cash and, by association, the fraudulent creation of cash.  Both fraudulent notes and coins along with large cash denominated amounts transferring…

You want the red or the blue cheese?

I often make a keynote presentation – about two or three times a week – and try to change my presentation as frequently as possible so that those who see me two or three times in a month – and it does happen – aren’t bored but, more importantly, to ensure that I’m not bored…

Intelligent Money - Chris Skinner Keynote @ Pay 360 conference 2024

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