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Shaping the future of finance

Fintech

When the banks closed, no-one cared

A great headline posted in The Financial Times the other day:  When the banks closed in Wuhan, nobody cared The Financial Times article makes clear how advanced the Chinese economy is today. For several months this year, banks across Hubei province, an area home to 60 million people, shut their doors to retail customers. Most…

The new normal for conferences (#Money2020)

I’ve grown up in a period of strong political stability. I’ve been lucky. Many other people grew up in a period of strong political instability, with war and famine and economic starvation. I realise I’ve been lucky because I’m now looking at lockdown, China-US trade relations, British-EU trade relations, African trade relations and specifically those…

FinTech challenger and neobanks in Brazil

I stumbled across a great article about Brazilian neobanks the other day. Bearing in mind that Nubank is the most successful neobank in the world, with 25 million users at the start of June. As a result, when I saw a great article about banks in Brazil by Contexto, who cover FinTech LatAm, could I…

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 … it’s just an extension of technologies that work for humans. My last blog on this subject…

The FinTech Karaoke Challenge: My Way

OK, OK, OK.  I know that some of my friends have been doing FinTech and Banking songs for a while, and I’ve avoided it. I’ve also avoided doing much video, as I don’t like seeing myself on camera. And I don’t sing, except in the shower. But … … oh dear … … my FinTech…

AI will augment, not destroy humanity

I’ve spent years talking about Artificial Intelligence (AI). Source: Europa Bearing in mind that we always talk about AI in the context of the Turing Test – a test that Alan Turing created back in 1950 – it’s not surprising. That test is that we will have achieved the true opportunities for technological  development when…

Chris Skinner’s FinTech Rap

This could be a serious mistake, as I’m an old guy who wasn’t born for rapping, but I can’t help myself. I woke up today and thought: you should make a rap video. Stupid, I know, but can’t help myself. My wife actually wandered into the office as I recorded this and said: are you ok?…

Neobanks: are they really challenging?

In surfing this week, I found a great article on my friend Amit Goel‘s website GoMedici.com. The company has just completed a deep dive into the world of challenger banks or, as they term them, neobanks. The time for neobanks is now. Here’s their summary of thinking: Neobanking 2.0: Global Deep Dive 2020 Just like…

BaaS works, it’s the regulations that don’t

During my MoneyBox interview about Wirecard (see end of this blog), Paul asked me the question: how could this happen again? What’s next? And I said, we learn from our mistakes. Progress never stops. Wirecard won’t shut down FinTech. It will amend it. This means this is not the end of Banking-as-a-Service (BaaS), but an…

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