Chris Skinner Blog | Talkmarkets | Page 1
Contributor's Links: The Finanser

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


Latest Posts
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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.
Big Banks And Big Tech (Not Versus)
Tech giants like Amazon and Alibaba may do a lot of bank-link activities, but they will never move into full-service banking. Here's why...
What Banks Think About Decentralized Finance
Financial technology (FinTech) is changing many facets of finance. These include retail and wholesale payments, financial market infrastructures, investment management, insurance, credit provision, and capital raising.
Big Banks Versus Big Tech... It’s All About The Money
There’s now a funding fight taking place between Big Tech and Big Banks in America. Companies like Amazon, Google and Facebook are moving into their space and and may now be tipping the scales.
Innovation? Humbug!
Bill Gates said in the early 1990s that “we need banking but we don’t need banks anymore”. He was wrong.
EC "We’re Just A Technology Company That Happens To Have A Banking License"
Many banks say it these days, and they say it to be cool. To be like a young, FinTech unicorn. And I don't like it.
The Diversity Of Financial Technologies
FinTech is doing amazing things in the EU and USA but, when I dig underneath the surface, 99% of what we’re doing in EU and America is taking the old world of banking products and services and making them cheaper, faster and better with technology.
Fintech’s Lies, Damned Lies And Statistics
I often quote numbers in my presentations and get pretty annoyed if they’re wrong. Yet, I constantly see conflicting and incorrect statistics officially reported in the media and throughout the web.
1 to 16 of 56 Posts
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