Chris Skinner

The core of the Libertarian versus State dialogue. It is the digital versus analogue dialogue. It is the decentralised versus centralised dialogue. #power

Zero detail about where I’m spending money, just a date and a place name that often does not correlate with the merchant. #payments #data

We may not like it but, just as cream rises to the top, there are always going to be the ultra-rich and the ultra-poor. #wealth #poverty

Most of us don’t use cash these days, as it’s easier to pay by card or, even better, by contactless app. #cash #digital

It amazes me how often people forget this. The fact that you might lose money … because that’s where the criminals focus. #crypto #crime

This may seem like a silly and facetious question but, seriously: what would we do if electricity stopped tomorrow? We would be stuffed. #crypto

The critical part here, however, is regulations. More than this, it is governance and government. Who governs cryptocurrencies? #crypto #regulations

The industry spends four years to work out a set of standards to ensure trust. Who would have thought it? #crypto #regulations

The relationship between conventional finance and technology and its ‘FinTech’ sector has been difficult, confusing, indeed fraught. #fintech

2022 may have been the year of challenge but 2023 does look like a year of opportunity … as long as you are the wheat and not the chaff. #fintech

The metaverse will augment the physical world and all the things we love, rather than substituting them. #fintech #technology #metaverse

Start is on a positive note and, even as the world faces many challenges, there are reasons to be hopeful about 2023 and beyond. #views #2023

The outcome as a lesson for 2023, is that next year offers great opportunities to expand services and grab market share. #fintech

All in all, India – like China – represents the real revolution technology brings to financial services. I said this twenty years ago. #fintech

Vitalik Buterin is the leading thinker around smart contracts and blockchain, as well as being the inventor of ETH, the currency, and Ethereum.

People are saying that Sam Bankman-Fried, the founder and faller at FTX, was running a Ponzi scheme. #cryptocurrency

Should bring the financial service activities and the entities that now populate the crypto world within the regulatory framework. And, if so, how? #crypto

The issue with this is that when you are dealing with customers who have spent thousand with the firm, can you not just answer issues? #CX #advisors

Binance helped to incubate FTX. Last year they cashed out their equity to the tune of $2.1B as a split between stablecoins and FTT

I forecast this in January and wrote about it again recently, calling it a bloodbath, but writing off FinTech as dying is taking it too far. #fintech

Reputation is the key currency, as reputation creates trust. If I trust you, I can trade with you. If I don’t trust you, then I won’t. #trust

The World Gold Council claim it’s all about integrity, transparency, trust and provenance. They call it the Gold Integrity Program. #gold #crypto

The industry has cooled and will see massive consolidation through 2022 and 2023. Hopefully, by 2024, we will know the outcomes.

For financial services, the priorities will be AI, Cloud, machine learning, low-code and no-code, digital identity, Web3 and mobile. #fintech

When we think about our life works, the priorities are health, time, family, friends, learning, achieving, reputation and experiences. #values #money

I’m adding this to the ten (no, twenty, thirty, forty, hundred or more) cases of bad actors in the Cryptoland. #cryptocurrency #crypto

Visa and Mastercard have been sitting for decades on top of a very lucrative business and making hefty profits out of it. But how sustainable is it? #money

Goldman Sachs does have strength, obviously, but its strength is not in consumer banking #banks #finance

What is not cool is how many scams are around online. Every which way you can get spoofed, spammed, sneaked and stolen from.

Data ownership is a big battleground. Wanna know why? Check this out. #data #fintech #investor #finance #banks

Chips will not just be in mobile telephones, but will be in cars, houses, televisions, refrigerators, gates, wherever you can place a chip.

Money was invented to motivate us to achieve more and create inequality between those who don’t want to achieve and those who do.

There’s a good old challenge in banking that, in recent years, has been growing. The challenge is to name the bad guy. #investing

As banks produce research reports analysing the ups, downs, ins and outs of the crypto markets, they need to be taken seriously. #crypto

A core of insurance is a principle called uberrima fides, Latin for utmost good faith. #investor #insurance #finance

For those who can buy, buy now, as there are lots of firms that are being forced to sell. To be even clearer, buy now, pay later. #fintech

If cryptocoins fail, how do you get your money back? You don’t, unless it is regulated. That’s the point. #cryptocurrency #investor

Fintech has had minimal impact in the functioning of the VC world and the allocation of capital in private capital markets. #fintech

The digital, networked structures that are decentralised are completely misunderstood and are emerging. #money #digital #currency

Profit is killing the planet, and an increasing proportion of the people who live on it. You put people and the planet first, you kill profit.

Money is meaningless unless you believe it has value. That’s the core point. #money #economy #inflation 

The biggest issue for me is the market crash could lead to a life crash, particularly amongst younger investors who are predominantly male.

Whenever I’m making a payment, ordering something or dealing with money online, I’m nervous. Is it just me? #digital #online

Has the FinTech bubble burst? Not at all. It just means we are separating the wheat from the chaff, and that’s a good thing isn’t it?

What’s the difference between a tech stock and a financial one? About 1,000 basis points. #fintech #technology #investing

The answer is that money and value is purely what you believe in … until you stop believing in it. #money #cryptocurrency

Do we need the US dollar, the Chinese Yuan, the euro, when you can trade with anyone, anywhere, anytime with a networked coin?

Near real-time, it can make decisions, change and implement same-day. If you cannot do that, then you’re not fit for 2022. #finance

If Stripe is worth $200 billion, then it’s worth more than ING, BBVA, Deutsche Bank and Commerzbank combined.

Russia will remain a sizeable consumer market of 80 million economically engaged people out of 146 million. #russia #fintech