Chris Skinner
American Banker
United Kingdom
Contact Chris
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Past articles by Chris:
Don't be too quick to give up on tech
Banks should continually try out new technologies, even after failed experiments. → Read More
Why Silicon Valley Is Eating Bankers' Lunch
Opinion pieces by entrepreneurs, executives and experts on aspects of running businesses → Read More
Another way fintech will redefine banking: No more free services
In many countries, customers bank for free, but the reality is the poor largely subsidize “free” banking services through overdrafts and consumer loan payments. This model is seriously flawed, but it is about to change. → Read More
Blockchain key to rethinking identity, avoiding next Equifax
The best solution to the current broken identity system is to flip the authentication process from third parties to the users themselves. → Read More
Banks’ blame-avoidance mentality stifles innovation
We know banks don’t like failure. But what is lesser known is how their reluctance is all to do with banking's compliance culture. → Read More
The battle between banks and disruptors is just beginning
Up to now, the most successful fintech firms have tried to fill gaps in underserved market, not replace banks. But a new crop of U.K. startups seeking bank charters is turning up the heat. → Read More
The 'Semantic Bank' that works with you is coming soon, this is why
On May 19, I’m going to unveil the Semantic Bank to the The Next Web audience, and wrote a bit about it the other day here. I thought I would expand a little more on the background ... → Read More
Banks need to stop keeping COBOL on life support
Banks have resisted the need to switch their core systems, but how long can a financial institution continue to operate on a foundation of dust? → Read More
In the future your money will be handled perfectly by the Semantic Bank
That is why you never see anyone in Star Trek think about their money, because their money is being managed for them by the system. → Read More
Banking bots should get their version of Asimov's Three Laws of Robotics
Writing more and more about chatbots, robots and AI, I can see a day coming in the not too distant future where we won’t be able to tell the difference between the human and the machine. ... → Read More
Leading economies are stragglers in the world of fintech
Fintech can roughly be broken down into three categories: the Legacy West, the Growth East and the Innovative Emerging. Keep an eye on the last one. → Read More
Bitcoin vs. Ethereum may be a zero-sum game
The two leading contenders vying for the cryptocurrency crown both have serious backing, but the technology is still developing and the endgame is still a ways away. → Read More
The largest payments company in the world most people have never heard of
Ant Financial, formerly known as Alipay, has become a fast-moving company that is expanding non-stop in its mission to be the dominant global mobile wallet. → Read More
Fintech is not just fintech anymore
What is FinTech? According to Chris Skinner, it's a three-stream market of firms using new technologies to offer new services in banking and insurance. → Read More
Blockchain Is Fintech's Real Game-Changer
While many fintech companies are trying to disrupt banking niches, the blockchain has the greatest potential to completely transform finance the way Uber and others have done for their industries. → Read More
Will the Blockchain Replace Swift?
Supplanting a 50-year-old interbank network with the technology tied to bitcoin sounds provocative. Here s why it s not that crazy. → Read More