SIGN UP FOR FREE | SIGN IN
Thinkers360
Interested in getting your own thought leader profile? Get Started Today.

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 461
Influencer 816
Speaker 0
Entrepreneur 0
Total 1277

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 40.59
Digital Disruption
Digital Transformation 30.80
Ecosystems 33.43
Emerging Technology
Finance 90.68
FinTech 39.38
Future of Work 30.02
Innovation
Predictive Analytics
Public Relations 30.20

Industry Experience

Financial Services & Banking

Publications & Experience

35 Article/Blogs
Banks have lost a third of market share to challengers
Linkedln
April 16, 2026
A couple of things hit my radar late last week. The first was a prediction by Bain & Co that challenger banks would own a third of the UK banking market by 2030. This coincided with the news of Revolut finally getting their UK banking licence. It’s only taken five years. Let’s dive in.

See publication

Tags: Climate Change, Finance, FinTech

Is everyone scared of the AI threat? If not, you should be
Linkedln
April 15, 2026
It was interesting that, last week, US regulators called an urgent meeting with the CEOs of the largest banks last Thursday, after the emergence of a new AI model from Anthropic called Claude Mythos. The reason wasn’t hype – it was capability. This model appears able to identify deep vulnerabilities in widely used software and infrastructure, the kind that underpin banks, governments and markets.

See publication

Tags: Climate Change, Finance, FinTech

What would you buy if you won the lottery?
Linkedln
April 09, 2026
I stumbled over this article the other day on MSN and loved it. The reason? What would you do if you won the lottery? We all dream of the day that we get millions of dollars in our account. What would you do? Well, here’s the answer (for some).

See publication

Tags: Climate Change, Finance, FinTech

“Invisible banking” is pointless
The Finanser
April 08, 2026
We love to throw phrases around to try to ground the next generation of banking. I was lucky enough to coin the phrase “digital bank” and “banking-as-a-service” years ago and have now moved on to “intelligent bank” (coming out soon). For those who read my blog regularly, you will know that I see this as the third revolution of tech in banking, payments and finance

See publication

Tags: Finance, FinTech

Jamie Dimon’s shareholder letter: "The challenges we all face are significant"
Linkedin
April 07, 2026
I read Jamie Dimon’s latest annual letter released yesterday. It has become, for many, one of the best benchmark letters to read about the state of banking each year and, as always, it’s less a report card on JPMorgan Chase and more a reflection on the state of the world.

See publication

Tags: Climate Change, Finance, FinTech

The Intelligence Revolution
Linkedln
April 06, 2026
Let me start with a simple question. How many of you think we’re living through a period of unprecedented change in finance?

We’re not living through change. We’re living through a revolution and not just any revolution. We are living through the third revolution of finance.

See publication

Tags: Climate Change, Finance, FinTech

Why blockchains don't work
Linkedin
April 03, 2026
There’s a fundamental truth about money that we often forget: money only works because we all agree to use the same system.

See publication

Tags: Climate Change, Finance, FinTech

A brief history of tokenization
Linkedln
March 30, 2026
Tokenization is not new, but dates back 10,000 years when early societies used clay tokens to record ownership of goods. These were not money, but data tools to track value. Modern digital tokens and blockchain systems are simply the latest evolution, but can now do more than just record transactions. We can now have intelligent, automated ones.

See publication

Tags: Climate Change, Finance, FinTech

Programmable liquidity: five foundations reshaping modern treasury
Linkedln
March 27, 2026
How is programmable money reshaping treasury operations and financial infrastructure? This conversation moved beyond theoretical frameworks to examine practical implementation challenges, regulatory positioning, and the convergence of AI with automated financial systems. Here are five critical insights from the discussion.

See publication

Tags: Climate Change, Finance, FinTech

How to avoid sanctions using crypto
Linkedln
March 10, 2026
I probably shouldn’t say this so, if I get arrested, please send money and help me but, over ten years ago, I told Russian and Iranian contacts to put all their money into bitcoin and cryptocurrencies to avoid sanctions.

See publication

Tags: Climate Change, Finance, FinTech

Stripe buying PayPal? Wow!
Linkedln
February 26, 2026
Let’s start with the first headline, which is applauded in the Irish media because the founders of Stripe are two Irish brothers, Patrick and John Collison, from the small village of Dromineer in County Tipperary, Ireland.

See publication

Tags: Climate Change, Finance, FinTech

Why punish the mule, when you want the rider?
Linkedln
February 24, 2026
A key point here is that, in statistics from the Financial Conduct Authority, there were at least 207,889 cases of “money muling” in 2024. This is a major rise on the numbers from 2023, when it was just 170,338.

See publication

Tags: Climate Change, Finance, FinTech

Is Brian Armstrong, CEO of Coinbase, full of sh*t?
Linkedln
February 17, 2026
When the Genius Act was signed off last year by President Trump, I said that it was positioned to keep the dollar as the reserve currency of the world. Now, a new debate arises after Jamie Dimon (Chair of JPMorgan) and Brian Armstrong (CEO, Coinbase) had a spat at Davos. Did you hear about it? Probably not, as Davos has far too much noise, but Mr. Dimon said that Mr. Armstrong was “full of shit”.

See publication

Tags: Climate Change, Finance, FinTech

Accenture’s six big trends in banking, 2026
Linkedln
February 02, 2026
Core theme: Banking is entering an era of “Unconstrained Banking” — where traditional barriers are dissolving and new technologies, especially agentic and generative AI, digital assets, and modern platforms, are reshaping how banks create value.

See publication

Tags: Climate Change, Finance, FinTech

Human needs for human service
Linkedln
January 30, 2026
I’ve recently joined the advisory board of a startup focused upon opening financial branches called banxlocal. Why the hell would anyone open branches? Well, it’s all about human needs for human services as that creates trust.

See publication

Tags: Climate Change, Finance, FinTech

Why bank branches still matter
The Finanser
January 29, 2026
Many have argued for years that branches are dead. Many in the fintech world believe that people don’t need branches. Some think that the pandemic proved that customers can bank fine without them and that many now prefer digital.

See publication

Tags: Climate Change, Finance, FinTech

The Finanser’s Week: 15th December – 21st December 2025
The Finanser
December 19, 2025
2025 has been the year of AI and AI hype from Agentic AI to AGI (Artificial General Intelligence) to Robots, chatbots and more but, for me, it has been the year of Deep Fake AI. It all started with the story of the French woman who got duped into a fake AI relationship with Brad Pitt…

See publication

Tags: Climate Change, Finance, FinTech

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!

See publication

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.

See publication

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.

See publication

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.

See publication

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.

See publication

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

See publication

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.

See publication

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.

See publication

Tags: Climate Change, Finance, 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!

See publication

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.

See publication

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.

See publication

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.

See publication

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.

See publication

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.

See publication

Tags: Digital Transformation, Finance, FinTech

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.

See publication

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.

See publication

Tags: Finance, IoT, FinTech

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.

See publication

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.

See publication

Tags: Finance

1 Video
How do you know who you are? | Chris Skinner | TEDxYouth@HabsElstree
Youtube
July 25, 2025
Don't become a captive of your company. When you get out there, question everything. The only constant is change. Chris Skinner is known as one of the most influential people in technology and an independent commentator on the financial markets and fintech through his blog, thefinanser.com. He has written eighteen books about finance and technology, with bestselling books including the series Digital Bank, Digital Human, Doing Digital and Digital for Good.

See publication

Tags: Climate Change, Finance, FinTech

Thinkers360 Certifications

3 Certifications

Thinkers360 Credentials

7 Badges

Radar

Blog

Opportunities

Events

Add to Shortlist View Shortlist »

Contact Chris Skinner

Book Chris Skinner for Speaking

Book a Video Meeting

Media Kit

Share Profile

Contact Info

  Profile

Chris Skinner

Latest Activity

Search
How do I climb the Thinkers360 thought leadership leaderboards?
What enterprise services are offered by Thinkers360?
How can I run a B2B Influencer Marketing campaign on Thinkers360?