Chris Skinner

Chris is an independent commentator on financial services. He chairs the Financial Services Club, a European networking group that enables discussion between members and regulators, practitioners and futurists. At The Finanser, he assists clients as an advisor, as well as sometimes being commissioned to write or speak on their behalf at conferences and tradeshows. He is the author of Digital Bank and ValueWeb.

Article

Oct 5, 2021

Digital-first, experience-driven banking is the future, and the institutions that don’t fully embrace this secular trend will likely not survive for long.

Video

Mar 17, 2021

Chris Skinner, digital banking expert, influential commentator and respected author, discusses what the next decade could bring, and he’ll challenge your thinking on what banking might look like.

Podcast

Apr 14, 2020

We hear a lot about the need for digital transformation in the banking industry and, if nothing else, the COVID-19 experience is reaffirming for banks the importance of their digital identity and capabilities. But what...
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Podcast

May 5, 2017

On this episode of the BAI Banking Strategies podcast, we're joined by Chris Skinner, international fintech expert and author. Chris talks about the latest revolutions from the Internet of Things (IoT), with particular focus on how these technologies are shaking...
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Article

Jun 10, 2016

Money originated as a control mechanism for governments of ancient Sumer to control farmers, based upon shared beliefs. It was then structured during the Industrial Revolution into government-backed institutions, banks, which could issue paper notes and […]
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Article

Mar 4, 2016

In conversation with bankers and start-up executives, it is clear that there is a differing view of the world. It is not as clear-cut as nimble innovator versus dinosaur incumbent, which is how many portray this […]
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Article

Dec 11, 2015

There’s been a lot of debate about millennials and their likes and dislikes. I myself cite regular surveys that millennials would rather go to the dentist than visit their bank and that surveys of millennials find no bank brands are...

Article

Aug 24, 2015

I find it interesting that so many bloggers on financial technology (fintech) sites deride the banks for being slow, clueless or stupid. They talk about how banks don’t do this, don’t do that; fail at this, fail […]
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Article

Jun 20, 2015

A lot of folks are asking me whether I’m really saying that banks need to start all over again? Is that really feasible, Chris? How can you recommend that we tear down the house and rebuild it? […]
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Article

May 14, 2015

Banking is not being disrupted; it is being evolved. The evolution is in the architecture of banking from a physical toward a digital play. As with books, music, entertainment and travel agents, banking is something that […]
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Article

Apr 16, 2015

JPMorgan Chase recently held their investor day and grabbed some of the fintech headlines when they stated that Apple Pay has been activated by over a million cardholders since its launch in the U.S. in October. Chase also […]

Article

Feb 24, 2015

I realized something about this new market of fintech the other day, where banks become financial systems integrators. The realization was that banks really should think about what they are doing by developing so much of […]

Article

Oct 6, 2014

I was having a debate the other day with two bank CEOs. One runs a direct bank that is going digital and the other runs a branch-centric bank that is investing in digital. At one point […]

Article

Jun 6, 2014

I have recently spent a lot of time talking about KYC (Know Your Client), AML (Anti Money Laundering, often confused with ALM which is Asset and Liability Management), Client Onboarding, PEPs (Politically Exposed Persons) and SARs […]

Article

May 6, 2014

In the movie The Matrix, the hero Neo, played by Keanu Reeves, meets a mysterious man named Morpheus who tells him that he is just a small part of the Matrix and one of its slaves. He tells […]

Article

Sep 16, 2013

Banks are typically thought of as stable, reliant and dull, or that’s what we would like them to be. Actually, banks are inherently risk managers, as we have now realized in the past five years. Banks […]

Article

Jul 26, 2013

One of the themes of my recent presentations is how technology has bridged the divide between work life and social life. This came up in force again the other week as we talked about the role of social media in...
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Article

May 21, 2013

There’s a theme that keeps cropping up at most conferences I attend around the remodeling of banks. It came up again today in a discussion about data leverage at the Asian Banker Summit, and it occurred […]
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Article

Apr 23, 2013

I was sitting through a vendor presentation when a slide popped up titled: “Industry Pain Points.” It was an interesting take on the banking industry’s challenges with technology. The slide was divided into four sections, the first […]
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Article

Mar 1, 2013

We recently celebrated the two hundredth birthday of Charles Darwin, who broke through the prejudiced views of the religious world of the Victorian era by being brave enough to say we were descended from apes. That […]
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Article

Feb 1, 2013

Banks have little to do with physical space anymore; it’s all been digitized. If everything is digitized, then any new technology could disrupt banking. So what will that new technology look like? Well, mobile will continue […]