Chris Skinner's blog

Shaping the future of finance

The transformative power of fintech

I have been amazed by the transformative power of technology in finance over the past two decades. From mPESA in Kenya to Alipay in China to NuBank in Brazil to PayTM in India, we have seen a massive shift in the world of finance. The fact is that today, wherever you are, whoever you are,…

G2CB2WB2RB2B2C2CBDC … WTH?

You may be wondering about the headline of this blog, but it’s all about the rapidly changing would of money. It used to be simple. Government would control monetary supply in the economy and wholesale and retail banks would distribute such money to businesses and citizens. It’s still the same, just that it’s all moving…

The Finanser’s Week: 28th October – 3rd November 2024

This week’s blog discussions include … Banks make millions from the most vulnerable As mentioned, I’m dealing with my mother’s financial affairs as she reaches end of life, and I’m finding it incredibly frustrating. The process is that there first needs to be a Power of Attorney in place. Luckily, she saw that coming and…

What does the UK budget mean?

In a rather parochial perspective, I asked my friends to give a reaction to Rachel Reeve’s budget, and got a nice summary back. Here’s the low-down: Autumn Budget Brings Relief for Pensioners but Sparks Debate on Inheritance Tax Changes The UK’s autumn budget is setting the stage for significant changes aimed at helping pensioners maintain…

A Cashless Whisper

During lockdown in the pandemic, I went a bit off script and started singing karaoke songs, with the words changed to focus on banking and payments. It was just a bit of fun to keep me busy at that time. Nevertheless, there are still many moments where I hear a song and think oh, that…

Who do we trust, how and why?

It intrigues me how quickly our world of money is changing from crypto to fintech to BaaS to infinity and beyond. The question that constantly sits in the back of my mind is how to regulate all this stuff to maintain trust? From Synapse to FTX to Beenz to Boo, how can the regulator keep…

What has Genghis Khan ever done for us?

I recently had a discussion about Genghis Khan, who I think of as some ancestral tyrant dictator who sowed his seed so far and wide that most of the modern world has his DNA. However, he also had another side called leadership. A friend of mine decided to use Khan’s leadership model to frame digital…

Banks make millions from the most vulnerable

As mentioned, I’m dealing with my mother’s financial affairs as she reaches end of life, and I’m finding it incredibly frustrating. The process is that there first needs to be a Power of Attorney in place. Luckily, she saw that coming and gave it to me. That’s a government portal which allows me to take…

Is our world too woke?

At the end of the 1990s, a colleague of mine was sacked because he complemented a fellow female worker on how lovely her hair looked. I thought it was political correctness gone mad, but it’s even worse today. You feel you’re walking on egg shells all the time. For example, I got sacked for saying…

Intelligent Money: Our Future Is Where We Do Not Think About Money, As Our Money Thinks For Us

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About Chris Skinner

The Past, Present And Future Of Banking, Finance And Technology

Fintech expert Chris Skinner: countries need digital transformation to remain competitive

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Kids creating the future bank | TEDxAthens

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