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Rules, regulations and principles

So we were having a conversation about rules-based versus principles-based regulation.  The UK is an advocate of the latter, which some say caused the global financial crisis.  I disagree.  The global financial crisis was caused by not having a good view of the risk and connectivity between derivatives and their dependencies.  The market and credit…

Little today is real-time or near-free … but this will change and here’s why

was recently hired as a keynote for an American client.  Those who know me, will know my message.  Everything has to be real time and near free, based upon mobile P2P connectivity (real-time) and shared ledger (near free) technologies.  This is the theme I use regularly now and I cite examples like an $81 million blockchain…

Who wants to live forever?

Building on yesterday’s blog about aging and the 150-year old humans to come, it really highlights how technology is re-inventing every part of living on Earth.  From Fintech to Science to Life Sciences, every aspect of humanity is being turned upside down.  We can invent humans from beakers in labs to synthetics in production lines….

110 years to save for retirement: the future of mortgages, pensions and savings

I don’t like talking about the long-term future much, as who knows anything about the long-term future?  Nevertheless, there are some things that are obvious in the long-term future based upon technological advances.  As far back as the early days of the telephone, everyone knew that the phone would move to video connectivity and, thanks…

Greece is the word

I receive a few infographics and don't publish all of them, but found this one from Eazy Cash very interesting.  It portrays the current situation in Greece, which we all know has been suffering badly from the Sovereign Debt crisis and subsequent economic fallout.  Key headlines include: 50% of young people are unemployed; Greek people…

Lessons from the Greek Economic Crisis - An Infographic

Why banks need to be more social

This blog was originally posted in SAP for Banking, September 2015. More and more banks are getting to be social, but there’s still a long way to go. It’s interesting that I’ve noticed a number of banks investing heavily in social media over the past five years, but not in countries you would expect.  Turkey,…

#Money2020 in one tweetfest feed

A follower of my twitter feed kindly aggregated all of my Money 20/20 tweets, so here's a great summary of the conference this year:   Fintech: "The infrastructure for financial services will change dramatically over the next decade." Bob Greifeld, CEO Nasdaq #money2020 In Fintech if you think you can go through life without a…

Business insider

The rise of tokenization to secure the Internet of Things

There are many interesting technologies out there and I haven’t blogged much about one of them: tokenization.  Why am I talking about tokenization today?  Because it was referred to many times by Visa, MasterCard and the card processing firms at Money2020 last week as the key to future transaction security. So what is tokenization?  If…

The future of banking and the state of now

I seem to be getting more and more interviews out there, and this one was published by Octo after a recent conference in Paris where I keynoted.  Many folks seem to like the interview, so I thought it worth reproducing here: Chris Skinner interview: the future of bankingPosted on 21/10/2015by Sylvain Fagnent, Stephen PERIN During…

Chris Skinner

The business model followed by traditional banks must change

There's been a lot of tweeting of a few lines in an interview that I gave recently in Spain for BBVA's innovation centre.  As a result, I thought I would post the interview here and will reveal the line that gets all the tweets in the next week or so. Chris Skinner: “The business model…

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