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Chris Skinner is known as an independent commentator on the financial markets and fintech through his blog, the, as author of the bestselling book more

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Demanding From Home Means Stores Are Dead?
One thing that is clear about demand and supply is, when you think about where we are today, there is little demand for anything. We are all staying at home – and so the only demand is what can be delivered to the home – that’s the issue.
Integrating Technology And Banking Is Not Easy, Especially With Acronyms
Banks are not really seen as a place for an artist. It is like bringing maths and art together. The two don’t mix. Like science and religion, certain academic disciplines should always be kept apart.
The Rise Of The Mobile Wallet
I first started blogging about smart mobile wallets in earnest in 2014. Back then, the mobile network operators were starting to get active and to try and bring the M-PESA and other experiences to the modern world. But no one wanted them.
The Future Of Money: A Speech By The Governor Of The Bank Of England
Last week the Governor of the Bank of England, Andrew Bailey, gave a virtual speech at the Brookings Institute on the future of money, technology, payments, digital currencies and central bank digital currencies.
Regulating Digital Bank And Fintech Financing
New technology-enabled business models related to deposit-taking, credit intermediation and capital-raising have emerged. These are digital banking, fintech balance sheet lending and crowdfunding platforms.
Are Challenger Banks Doing Anything Different?
Where’s the fundamental rethinking of finance with technology in the UK challenger banks? Not much there so far. Just more attractive services, apps, fees and marketing.
The Finanser’s Week: 3rd August 2020 – 9th August 2020
During this lockdown, it’s easy to get a bit down. The constant news of deaths and corona cases; the arguments between liberals and conservatives; the debate over whether the government acted early enough, fast enough, good enough.
Neobanks: Are They Really Challenging?
Neobanks are viewed as a direct challenge to the status quo of the established traditional banks, with their lower cost structure and hyper-personal customer experience.
Pay-By-Nose, A New Innovation
I blog regularly about what a fanboy I am of Chinese technology giants Alibaba and Tencent. It’s getting a bit ridiculous now however, when payments companies are designing payments for cats and dogs … or maybe it’s not …
Coronavirus: From Lockdown To Bailout Oh, And The Issue Of Financial Exclusion
Financial exclusion in Europe is estimated to be between 10% and 12% and, if focusing on the bottom of the income distribution, between 14% and 22%.
Is Fintech Getting It Wrong? Focus On Needs And Wants
I’ve written a huge amount of words about building a digital bank, but these musings made me go back to the whiteboard and start again. What would I do if I were launching a digital bank today?
This Is No Black Swan (Part Two)
The World Bank simulated the economic impact of a pandemic back in 2008. In their most severe scenario – a repeat of the Spanish flu of 1918 – they estimated a global economic impact of -4.8% of GDP.
What Happens If Consumers Stop Consuming?
With people losing their jobs left, right and center, no savings and an incredibly uncertain future, who’s going to be running out and spending?
This Is No Black Swan
Suddenly shuttering branch doors, closing head office and asking staff to stay at home, became the modus operandi for all. This is something that no major financial institution had planned for, but my question is: why?
Banking Is Not About Relationships - It’s About Secrets
I’ve heard all my life about relationship management and the idea that, at the heart of banking, it’s all about relationships.
And Even If Finance Gets A Brexit Deal, Equivalence Is Not The Answer
An equivalence agreement refers to a financial services agreement negotiated between the EU and a third country, which recognises the regulations of the third country as in compliance with, and therefore equivalent to, the EU’s own.
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