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Chris Skinner

Commentator, CEO of The Finanser and best-selling author at The Finanser

Konstancin-Jeziorna, Mazowieckie, Poland

Chris Skinner is known as one of the most influential people in technology and a best-selling author. He is an independent commentator on the financial markets and fintech through his blog, the Finanser.com, which is updated daily. His latest book (seventeenth!) is Digital for Good, focusing upon how technology and finance can work together to address the environmental and social issues we face today and make a better world. His previous books include Doing Digital, which shared the lessons of how to do digital transformation through interviews with leading global banks such as BBVA, China Merchants Bank, DBS, ING and JPMorgan Chase; Digital Human, which showed how digitalisation how is a revolution that allows everyone from the plains of Africa to the mountains of Tibet to be included and served by the network; and Digital Bank that provides a comprehensive review and analysis of the battle for digital banking and strategies for companies to compete. Chris has recently been added to The Mad 33 List for Inspirational change and transformation leaders - making a difference - making the future a reality.
He is a non-executive director of 11:FS and on the advisory boards of many FinTech and financial firms. Mr. Skinner has been an advisor to the United Nations, the White House, the World Bank and the World Economic Forum, and is a visiting lecturer with Cambridge University as well as a TEDx speaker. In recent years, he has been voted one of the UK’s foremost fintech observers by The Telegraph and one of the most influential people in financial technology by the Wall Street Journal’s Financial News and Thomson Reuters. Chris is also a successful children's author with a series, focused upon Captain Cake and the Candy Crew, released in 2021 Captain Cake. He is also co-founder with renowned artist Basia Hamilton of The Portrait Foundation, Portrait Foundation, a non-profit platform to encourage children and the arts.

Available For: Advising, Authoring, Consulting, Influencing, Speaking
Travels From: Poland
Speaking Topics: How can we use technology and finance to improve society and the planet?, Tomorrow's bank: digital, open and human, Doing Digital - Lessons from Leade

Speaking Fee $50,000 (In-Person)

Chris Skinner Points
Academic 0
Author 441
Influencer 815
Speaker 0
Entrepreneur 0
Total 1256

Points based upon Thinkers360 patent-pending algorithm.

Thought Leader Profile

Portfolio Mix

Company Information

Company Type: Company
Business Unit: Fintech
Minimum Project Size: Undisclosed
Average Hourly Rate: Undisclosed
Number of Employees: Undisclosed
Company Founded Date: Undisclosed

Areas of Expertise

Business Strategy
Climate Change 38.53
Digital Disruption
Digital Transformation 30.80
Ecosystems 33.47
Emerging Technology
Finance 100
FinTech 33.68
Future of Work 30.02
Innovation
Predictive Analytics
Public Relations 30.20

Industry Experience

Financial Services & Banking

Publications

18 Article/Blogs
The end of search engines and browsers
The Finanser
October 31, 2025
I’ve written for years about “the end of …” somethings a lot. The death of cards; the end of cash; the branchless future; the murder of the keyboard; and more … and they’ve all come true. We are cashless, cardless and branchless today, although I still love my keyboard. Sure, I can record voice memos that translate to text, but I still like the feel of the keyboard. OK, boomer!

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Tags: Climate Change, Finance, FinTech

Bankers and climate change: a disaster waiting to happen?
The Finanser
October 29, 2025
Over the last decade or so, there’s been a big rise of Greentech and Green Fintech. Unfortunately, the banking industry isn’t listening. I wrote a book about it, along with over twenty other contributors, and the gist is that we can use technology in finance to make the world a better place … except that bankers aren’t listening.

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Tags: Climate Change, Finance, FinTech

Is an Islamic loan a loan or a borrowing?
The Finanser
October 09, 2025
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.

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Tags: Climate Change, Finance, FinTech

Financial bubbles destroy everything. Industrial bubbles create the future. [Jeff Bezos]
The Finanser
October 07, 2025
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 name that has influenced all of us – just ask Jack Ma! – is Jeff Bezos.

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Tags: Climate Change, Finance, FinTech

The UK government’s digital identity scheme arrives, dead on arrival
Linkedin
October 06, 2025
Like the National Insurance scheme, where all citizens have a working number – think social security numbers if you’re American – the digital ID would be the next phase. It all sounded wowy but nobby. Why? Because it’s been discussed for years and has never worked.

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Tags: Climate Change, Finance, FinTech

The Finanser’s Week: 29th September – 5th October 2025
The Finanser
October 05, 2025
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

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Tags: Climate Change, Finance, FinTech

Key take-away from #SIBOS 2025: it’s no longer banking and payments
Linkedin
October 03, 2025
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.

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Tags: Climate Change, Finance, FinTech

Revolut opens its new HQ and takes over the world?
The Finanser
September 26, 2025
On Tuesday, Revolut officially opened its Global Headquarters in the heart of London's Canary Wharf. During a polished event, UK Chancellor of the Exchequer Rachel Reeves announced that the UK is open for business and is working to "get ahead in the global race for investment." She also revealed Revolut's plan to invest $4 billion in its expansion within the UK and to create 1,000 new jobs, as the company already serves over 12 million customers.

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Tags: Climate Change, Finance, FinTech

My data is my data
The Finanser
September 24, 2025
There are more and more arguments over data access and data sharing. Who is right and who is wrong? As far as I’m concerned, my data is my data but now JP Morgan Chase is selling it to Plaid – for access, not for keeps, an important difference – and Europe has told America’s big techs to get lost. What’s going on?

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Tags: Climate Change, Finance, FinTech

From data to knowledge to wisdom
The Finanser
September 22, 2025
Beyond smart, you have to be clever. You need to take data and use prediction modelling to think about what’s next? You need to predict the next move. That’s clever

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Tags: Climate Change, Finance, FinTech

How ya doing Pardna?
The Finanser
September 10, 2025
I am always fascinated about the way in which people see what is of value and why. The exchange of beads, crystals, diamonds and gold; the use of barter to exchange sheep for goats for weddings; the emergence of digital exchange for tokens; and, of course, the issuance of cash backed by governments that are now used mainly in mobile wallets.

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Tags: Climate Change, Finance, FinTech

64% of payments people fear deep fakes
Linkedin
July 29, 2025
I just got a copy of the Payments Association’s Financial Crime Report. Here’s a quick summary

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Tags: Climate Change, Finance, FinTech

Focus on the jobs we are creating, not the ones we have lost
Linkedin
July 24, 2025
I recently got an invite to present a TEDx talk at Haberdashers School in Elstree, England. Shortly afterwards, a second TEDx talk invite came through from the American School of Warsaw, Poland. Of course, I accepted both, but then the challenge became how to do two TEDx talks with some clear differentiation. The result is that I did the first one with a focus upon my latest book theme: how can you prove that you are you? The second one focused upon jobs of the future, bearing in mind it’s for our childr

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Tags: Climate Change, Finance, FinTech

Are stablecoins really stable?
Linkedin
July 18, 2025
Stablecoins are any cryptocurrency designed to have a relatively stable price by being pegged to a commodity or currency, such as the US dollar, or having its supply regulated by an algorithm.

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Tags: Finance, FinTech, Public Relations

Where is fintech going?
Linkedin
July 17, 2025
I went to a conference the other day where the organiser left a load of beer mats with questions about fintech.

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Tags: FinTech, Future of Work, Public Relations

When regulators crackdown on crypto, you know that crypto has crept out
Linkedln
December 23, 2023
The cryptocurrency industry is maturing and, as it does so, the government, statists and regulators are diving in to control it, as are the banks and financial institutions. In fact, it intrigued me when talking with a major institution the other day that they said they could have been Coinbase, if only their management team had been more visionary a few years ago. This was said with regret, and almost like an indictment of lack of management and leadership. I replied it was more the Stockholm Syndrome of most corporations: Does your company suffer from Stockholm Syndrome?

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Tags: Climate Change, Digital Transformation, FinTech

Digital is the core, data is the asset
Linkedln
December 12, 2023
I just delivered a two-day immersive course in digital transformation for a bank and found myself regularly saying digital is the core, data is the asset. It did trip off the tongue nicely, but it also summarised the essence of what digital transformation is all about.

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Tags: Climate Change, FinTech

Why is Goldman Sachs dropping the Apple?
Linkedln
December 03, 2023
The Apple Card program was launched in 2019 to great fanfare but, within a year, Goldman Sachs was lamenting losses and costs for the partnership. Then it got worse as not only was the bank making more and more losses.

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Tags: Climate Change, Digital Transformation, FinTech

3 Author Newsletters
AII: Artificially Intelligent Islam
Forbes
October 21, 2025
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!

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Tags: Climate Change, Finance, FinTech

The digital transformation disillusionment
The Finanser
October 08, 2025
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 Chief Data and AI Officers (CDOs and CAIOs) at banks with more than $10 billion of total assets, the key finding is that, for all the massive transformational efforts they’ve made, it has not delivered.

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Tags: Climate Change, Finance, FinTech

From A2A to B2B
The Finanser
September 11, 2025
Everyone has become excited about A2A in the past year or so. A2A are Account-to-Account payments. These are direct transfers of funds from one payment account (bank or e-money service) to another, bypassing intermediaries like card networks and reducing transaction costs and complexity. A2A payments leverage Open Banking technologies and APIs to deliver fast, seamless, and secure real-time payments directly between accounts for purchases, bill payments, and transfers between friends. The thing is that this is missing a few things for me.

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Tags: Climate Change, Finance, FinTech

7 Books
Intelligent Money
Amazon
March 01, 2024
WHO cares about the money of the future? WHY should I care about money of the future? This book explains and shows that, by 2030, as money becomes digital, it will revolutionise everything. Digital money will make money personal; individualise currency and its usage; secure it; enable it to automatically grow to meet our personal goals; manage risk automatically; and make life simpler and easier for all. The most critical aspect of this book is HOW money becomes intelligent … digitally … and artificially.

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Tags: Finance

Digital For Good: Stand for something… or you will fall
Marshall Cavendish Business
June 01, 2022
Digital for Good looks at everything from how banking plays a role in the climate emergency through to the FinTech world using technology to overcome issues of inequality and inclusion. The themes of the book include questioning the purpose of banking, and whether it is socially useful; how purpose can impact a bank’s role in the climate emergency; the way in which we can use finance to do good for society and the planet; the latest developments in cryptocurrencies; and more.

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Tags: FinTech, Climate Change, Ecosystems

Doing Digital: Lessons from Leaders
Marshall Cavendish
April 07, 2020
There has been lots of discussion of digital and open banking, banking-as-a-service, banking platforms, FinTech and TechFin and more, over the past decade. This all indicates that we are in a decade of rapid cycle change that presents huge challenges and huge opportunities. Billion-dollar unicorns appear rapidly, whilst internet giants achieve global domination. How are banks dealing with these changes and are any banks showing leadership? Well yes, a few are. With all the gloom merchants saying that traditional banking is doomed, a few banks have made radical moves to adapt and survive.

Chris Skinner, a world-leading commentator on banking and technology, has selected five of those banks―JPMorgan Chase (USA), BBVA and ING (Europe), and DBS and CMB (Asia)―to share their experiences. In detailed interviews, and with wide-ranging commentary, he has discovered the secrets of how not just adapt and survive, but how to thrive in this sea change of finance and technology.

Learn the lessons of the leaders, and learn how to become a successful digital bank, by Doing Digital.

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Tags: Digital Transformation, Finance

Digital Human: The Fourth Revolution of Humanity Includes Everyone
Amazon
June 18, 2018
We are living in the fourth age of humanity. First, we became human. Then we became civilized. The third age saw the creation of commerce. Now, we are becoming digital. Technology has changed the way we communicate, trade, and transact, with repercussions extending far beyond our personal spheres.

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Tags: Finance

ValueWeb: How Fintech Firms are Using Bitcoin Blockchain and Mobile Technologies to Create the Internet of Value
Amazon
April 07, 2016
The next generation internet, the Internet of Things, cannot work without an Internet of Value. The Internet of Value ― or ValueWeb, for short ― allows machines to trade with machines and people with people, anywhere on this planet in real-time and for free. The problem is that our old system cannot work that way, as it takes days to process and costs a fortune.

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Tags: Finance, IoT

Digital Bank: Strategies to Launch or Become a Digital Bank
Amazon
September 07, 2014
Digital Bank tracks the innovations in banking and how the mobile internet is changing the dynamics of consumer and corporate relationships with their banks. The implication is that banks must become digitized, and that is a challenge as becoming a Digital Bank demands new services focused upon 21st-century technologies. Digital Bank not only includes extensive guidance and background on the digital revolution in banking, but also in-depth analysis of the activities of incumbent banks such as Barclays in the UK and mBank in Poland, as well as new start-ups such as Metro Bank and disruptive new models of banking such as FIDOR Bank in Germany.

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Tags: Finance

The Future of Banking: In a Globalised World (The Wiley Finance Series)
Amazon
October 22, 2007
The world of banking is changing dramatically as a result of regulation, technology and society. New developments in the past three years include advances in regulatory change, the impact of China and India; from the latest technologies to impact bank services, to the latest experiments with a cashless society.

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Tags: Finance

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