Chris Skinner's blog

Shaping the future of finance

The Finanser’s Week: 20th February – 26th February 2017

A summary of the main blogs of the week … The FinTech Wave, Part One (part two next week) I wrote a blog the other day for The Next Web.  I thought it was ok, and it has gained a lot of traction socially. Apparently, people like it and here I’m going to expand upon the…

The FinTech Wave, Part One

I wrote a blog the other day for The Next Web.  I thought it was ok, and it has gained a lot of traction socially. Apparently, people like it and here I’m going to expand upon the basic theme to give a detailed analysis of how FinTech wings are spreading. There’s been a lot of talk…

Most thinking about poverty is wrong

There are basic human needs: food, drink, sleep … wifi.  Once those are covered, everything else is supplemental.  It’s not needed.  It’s just stuff you want.  If you can eat, drink and sleep comfortably, what else is there? I only ask this question because I was thinking about what we value, and realised that we…

GAFA have already opened banks … just not in America

I heard a rumour the other day.  The rumour goes something like: are you not surprised that banks grow into big beasts, as it’s government supported?  Governments want banks to be big and regulated, because governments can then access the data the bank is keeping about their clients.  IT’s access to data for tracking financial…

An interview with Tom Blomfield, co-founder of Monzo

The first job Tom Blomfield (left in photo) ever had was delivering leaflets for estate agent Wilson Heal. He  lasted one day in the cold December rain before convincing the guys that leaflets were old school and they really needed a website, which Tom then built and still exists today. That opened up the world…

web 5.0, the 2030s and Samantha

There’s a line in the 2013 film Her, it’s not just an operating system, it’s a consciousness.  The film is about Theodore, played by Joaquin Phoenix.  Theodore is a lonely writer who gets to trial a new operating system OS1, the world’s first artificially intelligent operating system.  The OS1 tailors itself to your habits and…

The Finanser’s Week: 13th February – 19th February 2017

This week’s blogs are all about how the internet started and where it’s future is going … The Birth of Computing and Development of the Web The last chapter of ValueWeb talks about what comes after the third-generation internet: the internet of value.  This is the internet being built today, based upon shared ledgers, cloud,…

web 4.0, the 2020s and the Internet of Things

We are already entering the fourth-generation internet, the internet of things, but it won’t really take off until the next decade, the 2020s.  Sure, we have self-driving Teslas and Nest home appliances, along with Samsung’s Smart Things, but it’s not mainstream yet.  For example, none of my friends has a self-driving car yet. This will…

web 3.0, the 2010s and an internet of markets

Now we move onto the third-generation internet, web 3.0.  What is web 3.0?  It’s not been well defined or described.  Many would say it’s the internet of things, but I disagree.  The internet of things is emerging, but it cannot exist until a bridge between the mobile social network and the internet of things has…

web 2.0, the 2000s and lovely jubbly, social networking

From the origins of the internet in 1990, the end of the 1990s saw the emergence of e-commerce and a plethora of payments services and commercial websites.  Then not a great deal happened until the internet became social.  Blog platforms like WordPress and Typepad emerged in 2003; Facebook launched in 2004; and YouTube a year…

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 50 Global Thought Leaders and Influencers on Finance 2024

Global Awards

Lifetime Achievement Award

Global 100 - 2024 Winner

Chris Skinner - Financial Markets Advisor of the Year - The Finanser - UK 2023

Best Financial Markets Advisor of the Year 2023

30 Best Regtech Blogs and Websites 2023

Kids creating the future bank | TEDxAthens

Captain Cake and the Candy Crew

Captain Cake Winner of a Golden Mom’s Choice Award

TWO-TIME WINNER OF A MOM’S CHOICE GOLD AWARD!

Alex at the Financial Services

Gaping Void's Hugh MacLeod worked with the Finanser