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### Welcome to The Finanser by Chris Skinner

Welcome to The Finanser by Chris Skinner. The Finanser discusses all things fintech, finance, banking, technology and, most importantly, the future. Chris Skinner has been voted the most influential technologist in Britain and received a lifetime achievement award for his visionary approach to the future of money from the Payments Association. He has advised the…

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## LATEST POSTS

Oct 23, 2025## UK Gov needs to bring back the Fintech mojo

Giving away one of my trade secrets, I asked ChatGPT to give me suggestions about what to blog about and it came up with seven things: 🚀 1. The Rise of Embedded Finance 2.0 How non-financial platforms are evolving from offering simple payments to full financial ecosystems (e.g., credit, insurance, and investments built into SaaS,…

Read More

Oct 22, 2025## What have you done today to make you feel proud?

I walked away from the Global Islamic Finance Forum (GIFF) with two quotes that I can’t get out of my head. The first: “a rising tide lifts all boats” from John F. Kennedy, 1963. The second: it is “better to live one day as a tiger than a thousand years as a sheep” by Tipu…

Read More

Oct 21, 2025## AII: Artificially Intelligent Islam

I was going to write up my panel discussion during the GIFF (Global Islamic Finance Forum) but Zawya did the job for me. Having said that, their website is quite difficult to access due to location restrictions and so I’m just going to cut and paste their summary here. Hope you like it! Revolutionising Islamic…

Read More

Oct 20, 2025## Islamic finance is all about justice and equality

I was honoured to be invited to Kuala Lumpur to join the Global Islamic Finance Forum last week. Why? Because they had the Royal Sultan speak over dinner and the Prime Minister of Malaysia give a keynote speech? Yes but, more than this, I learned a lot. In particular, during my panel session, someone asked…

Read More

## The Finanser’s Week: 13th October – 19th October 2025

October 19, 2025

## Trainers, explainers and sustainers – mortgages by machines, part two

October 17, 2025

## OK boomer! Mortgage by machines

October 16, 2025

## Status quo is better than perturbatio

October 15, 2025

### Featured Articles
## Must Read Articles

Fintech

#### Money and currency is all about power and politics

Sep 15, 2025

Purpose

#### What have you done today to make you feel proud?

Oct 22, 2025

Future

#### AII: Artificially Intelligent Islam

Oct 21, 2025

Future

#### Islamic finance is all about justice and equality

Oct 20, 2025

AI

#### The digital transformation disillusionment

Oct 8, 2025

AI

#### Financial bubbles destroy everything. Industrial bubbles create the future. \[Jeff Bezos\]

Oct 7, 2025

Grid

#### $10 trillion moves around the world every day, of which $9 trillion involve the US dollar

Oct 2, 2025

Fintech

#### If digital is at the core, when do you need to be physical?

Sep 19, 2025

AI

#### It is time to level up

Sep 17, 2025

Future

#### Wallets? Where we’re going, we don’t need wallets!

Sep 16, 2025

Fintech

#### Money and currency is all about power and politics

Sep 15, 2025

Purpose

#### What have you done today to make you feel proud?

Oct 22, 2025

## Fintech
View More

### UK Gov needs to bring back the Fintech mojo

Giving away one of my trade secrets, I asked ChatGPT to give me suggestions about what to blog about and it came up with seven things: 🚀 1. The Rise of Embedded Finance 2.0 How non-financial platforms are evolving from offering simple payments to full financial ecosystems (e.g., credit, insurance, and investments built into SaaS,…

Read More

October 23, 2025

### Trainers, explainers and sustainers – mortgages by machines, part two

After my blog yesterday about mortgage by machines, I left out one key component: humans. You have to remember that machines don’t think, they only appear to think because we develop them that way. Sure, there may be sentient machines at some point in the future when we get to the great Singularity but, until…

Read More

October 17, 2025

### Is an Islamic loan a loan or a borrowing?

I’m about to have a week in Kuala Lumpur, if anyone wants to meet-up, with a focus on Islamic Finance. I remember twenty years ago talking with Mike Hanlon who was founding the Islamic Bank of Britain (IBB), and he was telling me how UK Gov really did not understand the concept. What is the…

Read More

October 9, 2025

### The UK government’s digital identity scheme arrives, dead on arrival

It was interesting that the Labour Party Annual Conference in Liverpool last week did not talk about digital identity schemes. This is the party in government who, days before the conference started, announced that all people who wanted to work in Britain would need a digital ID in their government app. Like the National Insurance…

Read More

October 6, 2025

### Key take-away from #SIBOS 2025: it’s no longer banking and payments

Watching Sibos from afar – I haven’t been invited for a while due to being too provocative – I was not surprised to see that Quantum computing, AI, CBDCs, stablecoins, tokenization and blockchain are all making the headlines, as these are all the themes I spend my time presenting about around the world. Cybersecurity, AI…

Read More

October 3, 2025

### How much is Harry Kane’s toe worth?

I’ve just created a platform to tokenize idols. Any idol and even bits and pieces related to them. You can tokenize Taylor Swift’s underwear; tokenize Rory McIlroy’s golfing glove; tokenize Ryan Reynolds Wrexham shirt; or even tokenize Harry Kane’s big toe. After all, any part of an idol is worth something to a fan, so…

Read More

October 1, 2025

### Is your bot more competitive than my bot?

I was having a chat the other day. It was behind closed doors, under Chatham House Rule but, nevertheless, will share my thoughts here as the big question was: who are you marketing to? Several major football teams have bank brands all over them. Many websites are associated with financial brands. On television, there are…

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September 29, 2025

### If digital is at the core, when do you need to be physical?

Building on the last two blogs all companies, not just in finance, have been transformed through the connected, network economy. That was the last decade’s worth of digital transformation and has led analogue companies hoping that they are now digital natives, although many are digital immigrants, still with a log of their old analogue systems…

Read More

September 19, 2025

### Becoming intelligent: the next wave of disruption

I was thinking more about this third revolution of financial technologies. The first was very much focused upon automation administration using mainframe computing;  the second moved from pure cost reduction to the changing dynamics of how to leverage productivity and cost using the network effects of connectivity, and driven by cloud and mobile; the third…

Read More

September 18, 2025

## Digital Bank
View More

### Trainers, explainers and sustainers – mortgages by machines, part two

After my blog yesterday about mortgage by machines, I left out one key component: humans. You have to remember that machines don’t think, they only appear to think because we develop them that way. Sure, there may be sentient machines at some point in the future when we get to the great Singularity but, until…

Read More

October 17, 2025

### OK boomer! Mortgage by machines

When I was a lad, to get a mortgage was a complex process. You would go to the bank for a meeting with the branch manager. The branch manager would assess you, your job security, work status and salary and, if all boxes were ticked, you could get a mortgage up to four times your…

Read More

October 16, 2025

### Status quo is better than perturbatio

I have blogged often about change and how people avoid it (who moved my cheese?), but it cropped up again the other day when I was reading Harvard’s Rosabeth Moss Kanter\* thoughts on business. She has six key principles for business: Show up. Speak up. Look up. Team up. Never give up. Lift others up. Many…

Read More

October 15, 2025

### Stop doing digital and become intelligent

My presentations these days are focused upon the challenge of change. Every day, something is in the headlines to challenge your thinking from AI to quantum to digital currencies to digital identities. The only constant is change. Whenever I talk, I come back to the wrongly attributed quotation of Charles Darwin that it does not…

Read More

October 14, 2025

### AI is not Robbie the Robot, says expert

I was really interested that Barclays Private Bank published an interview about AI the other day. Why? Because it’s the private bank and it’s from a bank. The interview is with Professor Michael Wooldridge, one of Oxford University’s leading AI academics with more than 450 research papers to his name. He knows his stuff. What…

Read More

October 13, 2025

### Is an Islamic loan a loan or a borrowing?

I’m about to have a week in Kuala Lumpur, if anyone wants to meet-up, with a focus on Islamic Finance. I remember twenty years ago talking with Mike Hanlon who was founding the Islamic Bank of Britain (IBB), and he was telling me how UK Gov really did not understand the concept. What is the…

Read More

October 9, 2025

### The digital transformation disillusionment

My friend Paolo Sironi of the IBM Institute of Business Value has been touting his latest research: the 94% core banking problem. What’s it all that about? Well, it’s about how digital transformation or, as IBM calls it modernization, hasn’t delivered. In research conducted with a global survey of over 500 CIO’s and almost 200…

Read More

October 8, 2025

### The UK government’s digital identity scheme arrives, dead on arrival

It was interesting that the Labour Party Annual Conference in Liverpool last week did not talk about digital identity schemes. This is the party in government who, days before the conference started, announced that all people who wanted to work in Britain would need a digital ID in their government app. Like the National Insurance…

Read More

October 6, 2025

### Key take-away from #SIBOS 2025: it’s no longer banking and payments

Watching Sibos from afar – I haven’t been invited for a while due to being too provocative – I was not surprised to see that Quantum computing, AI, CBDCs, stablecoins, tokenization and blockchain are all making the headlines, as these are all the themes I spend my time presenting about around the world. Cybersecurity, AI…

Read More

October 3, 2025

## Crypto
View More

### Is crypto the solution or the problem?

Paying with crypto is traceable but favoured by fraudsters. Is it the solution or the problem? Fraudsters never know how their action impacts their victim, until confronted by the person they’ve defrauded. Is crypto the solution? After all, unlike fiat currencies, all blockchain-based transactions can be traced for history. So, is crypto the solution to…

Read More

October 10, 2025

### Key take-away from #SIBOS 2025: it’s no longer banking and payments

Watching Sibos from afar – I haven’t been invited for a while due to being too provocative – I was not surprised to see that Quantum computing, AI, CBDCs, stablecoins, tokenization and blockchain are all making the headlines, as these are all the themes I spend my time presenting about around the world. Cybersecurity, AI…

Read More

October 3, 2025

### How much is Harry Kane’s toe worth?

I’ve just created a platform to tokenize idols. Any idol and even bits and pieces related to them. You can tokenize Taylor Swift’s underwear; tokenize Rory McIlroy’s golfing glove; tokenize Ryan Reynolds Wrexham shirt; or even tokenize Harry Kane’s big toe. After all, any part of an idol is worth something to a fan, so…

Read More

October 1, 2025

### Money and currency is all about power and politics

It’s been really interesting watching the moves of Donald Trump to Make America Great Again by doubling down on the dollar being the reserve currency of the world forever more through the GENIUS Act. Well, that’s my take anyway. Add on to this that the Trump family made billions by launching World Liberty Financial, their very…

Read More

September 15, 2025

### Is #Tether a #SWIFT challenger?

As blogged yesterday, the GENIUS Act can open the doors for closed-loop networks using stablecoins that circumvent the traditional four-pillar model of issuer, acquirer, merchant and processor. Yes, it could save billions in interchange fees, but there’s another movement in stablecoins trying to change the world. This one is trying to get rid of SWIFT,…

Read More

September 5, 2025

### Is the GENIUS Act genius?

Short answer: possibly. Long answer: the GENIUS Act (the Guiding and Establishing National Innovation for U.S. Stablecoins Act) gives a massive stamp on cryptocurrency tokens, stablecoins and protecting the US dollar as the reserve currency of the world. Oh, and it also creates a major opportunity for non-banks to become players in payment processing. For…

Read More

September 4, 2025

### When you realise that finance is science

In recent days, I’ve discovered a lot of theorems and ideas in digital areas where, when you integrate finance and technology, you realise that you are living in a world of rocket science thinking. For example, I am spending a lot of time talking with experts about digital identity and trust, as that’s the theme…

Read More

July 21, 2025

### Are stablecoins really stable?

An awful lot of what I read these days is about stablecoins. By way of example, my things worth reading daily update is filled with news about them. Just this morning: Some big US banks plan to launch stablecoins, expecting crypto-friendly regulations Central banks face dilemma over rise of dollar-backed stablecoins Could Britain be about…

Read More

July 17, 2025

### Where is fintech going?

I went to a conference the other day where the organiser left a load of beer mats with questions about fintech. I picked them up and decided to write my thoughts. Trust you enjoy this …  What was your ‘aha’ moment that led you into fintech? I never really had a moment, as I’ve been…

Read More

July 15, 2025

## Future
View More

### AII: Artificially Intelligent Islam

I was going to write up my panel discussion during the GIFF (Global Islamic Finance Forum) but Zawya did the job for me. Having said that, their website is quite difficult to access due to location restrictions and so I’m just going to cut and paste their summary here. Hope you like it! Revolutionising Islamic…

Read More

October 21, 2025

### Islamic finance is all about justice and equality

I was honoured to be invited to Kuala Lumpur to join the Global Islamic Finance Forum last week. Why? Because they had the Royal Sultan speak over dinner and the Prime Minister of Malaysia give a keynote speech? Yes but, more than this, I learned a lot. In particular, during my panel session, someone asked…

Read More

October 20, 2025

### AI is not Robbie the Robot, says expert

I was really interested that Barclays Private Bank published an interview about AI the other day. Why? Because it’s the private bank and it’s from a bank. The interview is with Professor Michael Wooldridge, one of Oxford University’s leading AI academics with more than 450 research papers to his name. He knows his stuff. What…

Read More

October 13, 2025

### Financial bubbles destroy everything. Industrial bubbles create the future. \[Jeff Bezos\]

There are people who run the world and those who watch it. I’m in the latter group, but constantly watch Elon Musk, Peter Thiel, Reid Hoffman (the PayPal Mafia), Mark Zuckerberg, Larry Ellison, Larry Page, Sergey Brin, Bill Gates and more for their thoughts and actions. Also Warren Buffet, Charlie Munger and others. But one…

Read More

October 7, 2025

### Key take-away from #SIBOS 2025: it’s no longer banking and payments

Watching Sibos from afar – I haven’t been invited for a while due to being too provocative – I was not surprised to see that Quantum computing, AI, CBDCs, stablecoins, tokenization and blockchain are all making the headlines, as these are all the themes I spend my time presenting about around the world. Cybersecurity, AI…

Read More

October 3, 2025

### How much is Harry Kane’s toe worth?

I’ve just created a platform to tokenize idols. Any idol and even bits and pieces related to them. You can tokenize Taylor Swift’s underwear; tokenize Rory McIlroy’s golfing glove; tokenize Ryan Reynolds Wrexham shirt; or even tokenize Harry Kane’s big toe. After all, any part of an idol is worth something to a fan, so…

Read More

October 1, 2025

### If digital is at the core, when do you need to be physical?

Building on the last two blogs all companies, not just in finance, have been transformed through the connected, network economy. That was the last decade’s worth of digital transformation and has led analogue companies hoping that they are now digital natives, although many are digital immigrants, still with a log of their old analogue systems…

Read More

September 19, 2025

### Becoming intelligent: the next wave of disruption

I was thinking more about this third revolution of financial technologies. The first was very much focused upon automation administration using mainframe computing;  the second moved from pure cost reduction to the changing dynamics of how to leverage productivity and cost using the network effects of connectivity, and driven by cloud and mobile; the third…

Read More

September 18, 2025

### It is time to level up

We are in a third generation of change in finance. When I wrote Digital Bank over a decade ago, the focus was all about reinventing banking from being physical at the core to being digital at the core. Now we have to do it all again and reach the next level where the bank is intelligent…

Read More

September 17, 2025

## Reading
View More

### Things worth reading: 23rd October 2025

Things we’re reading today include … A MrBeast bank? One more step towards a dystopian future … Regulatory Simplification in the EU banking sector Bank watchdog boss says ‘plenty to worry about’ including AI bubble risk Bank of England under fire for internship that excludes white students Atom Bank moves offices and unveils plans to…

Read More

October 23, 2025

### Things worth reading: 22nd October 2025

Things we’re reading today include … Bank of England chief warns of ‘worrying echoes’ of 2008 financial crisis Bank Of England Governor Andrew Bailey Criticized For Being Unnecessarily “Inflammatory” About Stablecoins Government needs to ‘get behind’ fintech, Innovate Finance boss says Kraken UK boss: The one thing Britain must do to recapture fintech crown UK…

Read More

October 22, 2025

### Things worth reading: 21st October 2025

Things we’re reading today include … The Top 100 Fintech firms Pig butchering, bitcoin, and the biggest crypto seizure in DoJ history: What it means for fintech The impact of fintech on lending British fintech Revolut granted banking license in Mexico Why EU and US Banks Are Racing to Issue Stablecoins Amazon services ‘recovering’ as…

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October 21, 2025

### Things worth reading: 20th October 2025

Things we’re reading today include … Mr Beast is launching a bank! Fintech industry takes aim at ‘logic-defying’ banking watchdog Top 5 Stories in FinTech From the Last Week | FinTech Magazine Bank of England boss claims Brexit will damage economy for ‘foreseeable future’ Commonwealth Bank says that cash will soon be ‘non-existent’ How apps…

Read More

October 20, 2025

### The Finanser’s Week: 13th October – 19th October 2025

This week’s main blog discussions include … OK boomer! Mortgage by machines When I was a lad, to get a mortgage was a complex process. You would go to the bank for a meeting with the branch manager. The branch manager would assess you, your job security, work status and salary and, if all boxes…

Read More

October 19, 2025

### The Finanser’s Week: 6th October – 12th October 2025

This week’s main discussions include … Is crypto the solution or the problem? Paying with crypto is traceable but favoured by fraudsters. Is it the solution or the problem? Fraudsters never know how their action impacts their victim, until confronted by the person they’ve defrauded. Is crypto the solution? After all, unlike fiat currencies, all…

Read More

October 12, 2025

### Things worth reading: 10th October 2025

Things we’re reading today include … Central Banks Seen Holding Bitcoin, Gold as Key Reserves by 2030: Deutsche Bank Fears rise over $3trillion shadow banking crisis Gold bubble should prompt central banks to sell the metal Google taps Yapily to power bank account verification in Europe United Kingdom your no. 1 partner for finance, fintech:…

Read More

October 10, 2025

### Things worth reading: 9th October 2025

Things we’re reading today include … Bank of England warns AI stock bubble rivals 2000 dotcom peak – Ars Technica Revolut’s Billionaire Cofounder Nik Storonsky Relocates To Dubai High street bank is offering £900 FREE cash for customers who switch – and you can get paid in time for Christmas | The Sun Why the…

Read More

October 9, 2025

## Blog Index
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### The Finanser’s Week: 13th October – 19th October 2025

This week’s main blog discussions include … OK boomer! Mortgage by machines When I was a lad, to get a mortgage was a complex process. You would go to the bank for a meeting with the branch manager. The branch manager would assess you, your job security, work status and salary and, if all boxes…

Read More

October 19, 2025

### The Finanser’s Week: 6th October – 12th October 2025

This week’s main discussions include … Is crypto the solution or the problem? Paying with crypto is traceable but favoured by fraudsters. Is it the solution or the problem? Fraudsters never know how their action impacts their victim, until confronted by the person they’ve defrauded. Is crypto the solution? After all, unlike fiat currencies, all…

Read More

October 12, 2025

### The Finanser’s Week: 29th September – 5th October 2025

This week’s main discussions include … Key take-away from #SIBOS 2025: it’s no longer banking and payments Watching Sibos from afar – I haven’t been invited for a while due to being too provocative – I was not surprised to see that Quantum computing, AI, CBDCs, stablecoins, tokenization and blockchain are all making the headlines,…

Read More

October 5, 2025

### The Finanser’s Week: 22nd September – 28th September 2025

This week’s main blog discussions include … Revolut opens its new HQ and takes over the world? I asked my friend Max, an early investor in Revolut, to provide an insight into the new headquarters the company opened this week in Canary Wharf, London. Revolut bought the building that was previosly the HQ of Thomson…

Read More

September 28, 2025

### The Finanser’s Week: 15th September – 21st September 2025

This week’s main discussions include … It is time to level up We are in a third generation of change in finance. When I wrote Digital Bank over a decade ago, the focus was all about reinventing banking from being physical at the core to being digital at the core. Now we have to do it…

Read More

September 21, 2025

### The Finanser’s Week: 9th September – 14th September 2025

This week’s main discussions include … Everything is a scam and why principles matter I clicked the other morning on Nicoo, the robot puppy, after seeing an ad on YouTube. I was going to order it for my wife’s birthday but thought, just before clicking, is this real? So, I go and Google Is Nicoo…

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September 14, 2025

### The Finanser’s Week: 1st September – 7th September 2025

This week’s main discussions include … Will the upstarts replace the incumbents? Is it just me or has the whole digital currency space become hot, hot, hot? Every five minutes, I see stuff about CBDCs – who needs them?; cryptocurrencies – who’s using them?; and stablecoins – what’s that all about? The last one is…

Read More

September 7, 2025

### The Finanser’s Week: 25th August – 31st August 2025

This week’s main discussions include … Last century processes in the digital age I’ve just had two requests for notarised ID documents: one from my accountant and another from a bank. So, I went to the notary to get notarised and they said no. It reminds me of an Amy Winehouse song: I tried to…

Read More

August 31, 2025

### The Finanser’s Week: 28th July – 24th August 2025

This week’s / month’s main discussions include … AI is bigger than the smartphone Twenty years ago, four critical things happened: cloud computing became mainstream; the smartphone was launched; Satoshi Nakamoto released the bitcoin whitepaper; and the global financial crisis killed all trust in traditional financial institutions. All of these things pretty much happened at…

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August 24, 2025

### The Finanser’s Week: 21st July – 27th July 2025

This week’s main blog discussions include … What is an acceptable level of fraud? Sam Altman, the founder of OpenAI and creator of ChatGPT and more – along with the PayPal Mafia – was speaking about bank capital rules this week and made an interesting comment that: “There are some FIs that will accept a…

Read More

July 27, 2025

### Chris Skinner Keynote, April 2025, Europe

https://youtu.be/XB8vd7O0NyE

Start Investing US

Start Investing Global

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

https://www.youtube.com/watch?v=K2WKm0ZFvbk

### What is the future?

Learn more

### Learn more about Chris

About Chris Skinner

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

https://youtu.be/xdg\_bSM4wzc

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

https://www.youtube.com/watch?v=6GBDEEkXqX8&ab\_channel=DoingDigitalForum

### 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

https://www.youtube.com/watch?v=toWS3cMcAfo&t=1s

### Lifetime Achievement Award

### Kids creating the future bank | TEDxAthens

https://www.youtube.com/watch?v=YzmvQ2vVe1s

### Alex at the Financial Services

### Gaping Void's Hugh MacLeod worked with the Finanser

Welcome to The Finanser, the portal to the knowledge base of the Financial Services, chaired by Chris Skinner. To make an enquiry about a speaking engagement, just contact us and, if you are interested in Chris Skinner as a speaker, here’s an illustration of his keynote presentations….

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