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Chris Skinner is known as an independent commentator on the financial markets and fintech through his blog, the Finanser.com, as author of the bestselling book more

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The Finanser’s Week: April 22 – 28, 2024
There’s a huge furor in Britain about debanking: the process where a bank says we cannot trust you anymore so get lost. It happened to Nigel Farage, a high profile figure, and now it’s happened to me.
The SEC Approves Bitcoin … Or Does It?
Everyone got very excited last week about the US Securities and Exchange Commission approving the use of bitcoin in Exchange Traded Funds. Fantastic … but what does it all mean?
The Deep Fake Decade: When World Leaders Have No Idea What Is Real Or Not Real
In case you missed it, Vladamir Putin did a media conference the other day and it did not include just the press, but the general public too.
Why Is Goldman Sachs Dropping The Apple?
The Wall Street Journal reported that Apple has sent Goldman Sachs a proposal to end their partnership within the next year, leaving Apple to find a new backer for its financial products.
Can We Delegate Compliance To Technology?
It is all about whether the system is running with the right information for checking. You cannot comply if the automated processes are non-compliant.
Imagine Intelligent Money
I was talking about the vision of AI integrated with finance through APIs today. The vision is one where every transaction can be displayed through your devices via your apps. It’s the apps, API, AI economy.
The Rise And Fall Of FTX
The trial of Sam Bankman-Fried, founder and creator of what many call a Ponzi scheme called FTX, has started in New York. FTX was a cryptocurrency exchange that, like MtGox a decade before, lost millions/billions of dollars of investor’s money.
Is AI The Biggest Risk Today?
I just got a copy of Gartner’s emerging risks report for the second quarter 2023. A summary of the report is below but, before you read that, the charts speak volumes.
The Best Challenger Bank In The World?
NU bank is one of the world's fastest-growing digital financial platforms and the fifth-largest financial institution in Latin America. NU added 4.6 million customers in Q2'23 and 18.4 million YoY, totaling 83.7 million customers globally by June 30.
What If Your Money Is Inside Your Brain?
Building on yesterday’s idea of the future world, where our brains are connected 24*7 in real-time to the network, what would that mean for financial services?
Data Is AIr
A while ago, I cited one of the lessons of Doing Digital is that data is the air that we breathe: Data is the new air, and the banks that breathe the best will win
Why The SEC Is Chasing Coinbase, Binance, Ripple And More
The future of crypto in America may yet be decided by Congress, but failing that it will be up to the courts to determine whether a 75+ year old test is as pertinent today as it was when it was devised.
Are Cryptocurrencies Securities?
There is a huge debate around whether cryptocurrencies are securities or not. Should they be regulated by the Securities and Exchange Commission or not? This has come to a head recently, as the SEC decided to tackle Ripple and Coinbase as deviants.
Do We Need A Worldcoin? $100 Million Says ‘Yes’
With the talk hitting the radar every day about AI, it should make all of us wake up when the person who founded OpenAI, launches a currency. The currency is called Worldcoin, and uses eye biometrics to operate and recognize identities.
Is Humanity Losing Something Due To Digitality?
A long time ago – so long ago that most people reading this weren’t born or had just started school – I said to my boss that cash machines were dead. At the time, I worked for NCR which stands for National Cash Registers, the cash machine company.
What Would We Do If Electricity Stopped Tomorrow?
It is clear that the original model of crypto is unsustainable. A model based upon mining and proof-of-work abuses the planet and will fail. What would we do if electricity stopped tomorrow? We would be stuffed.
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