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Chris Skinner

Chris Skinner

Chris Skinner has become known as an international independent commentator on fintech through his blog, the Finanser.com. He is the author of the bestselling book Digital Bank and its sequel ValueWeb. Both books have been reviewed on www.BankingExchange.com and a chapter excerpt of ValueWeb also appears on the site. Skinner chairs the European networking forum: the Financial Services Club. He has been voted one of the most influential people in banking by The Financial Brand and has received similar honors from The Wall Street Journal and other organizations. Visit Skinner's professional website.

Digital Human: The Fourth Revolution Of Humanity Includes Everyone. By Chris Skinner. Marshall Cavendish Business, 344 pp.

Book Excerpt: Chris Skinner’s “Digital Human”

Welcome to the Fourth Age of Humanity
Bankers should not be retailers

Bankers should not be retailers

U.K. banks learned a painful lesson about aggressive sales—and risk—before the Wells situation surfaced.
While some traditional institutions may take comfort in the recent stumbles of marketplace lenders, analyst Chris Skinner advises that they remember the Malaysian folk tale of the elephant and the mouse. (Hint: Things went badly for the pachyderm.)

Chris Skinner: Beware the mice of fintech

Not all fintech firms threaten banks. As for those that may, down is not out
Who’s who in cyberspace? In this Tech Viewpoints article consultant Chris Skinner probes some of the international challenges of finding a way to answer that question—and whether it matters as much as it once did.

How do I know it’s the digital you?

Does it matter? Today crooks seek digital anonymity

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WEBINAR
From Instant Payments to Stablecoins:
Building for What's Next

Tuesday, July 14, 2026 at 2:00 ET

Just when many financial institutions are getting comfortable with instant payments, a new question is emerging: What happens when money itself becomes programmable? For financial institutions, the challenge is not deciding between instant payments and stablecoins. It's understanding how today's modernization decisions will determine the ability to compete tomorrow.

The webinar will cover:

  • How instant payments are laying the groundwork for digital money.
  • Why stablecoins are gaining momentum with recent regulatory developments.
  • How leading institutions are overcoming common payments modernization roadblocks.
  • What it takes to support both real-time payments and digital assets.
  • Steps to prepare for emerging payment rails while maximizing existing investments.

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