Chris M Skinner
Chris M Skinner focuses on how technology reshapes money, banking, and financial systems, treating finance as an evolving digital infrastructure rather than a standalone industry. He is an independent commentator on financial markets and fintech, best known for his long-running blog The Finanser, where he publishes regular analysis on banking, payments, cryptocurrencies, artificial intelligence, and the future of financial services. He writes as an author, advisor, and chair of a financial services networking forum, using his platform to connect executive-level debates about strategy and risk with the underlying mechanics of technology and finance.
Banking is what we do... but technology is how we do it
Skinner’s core argument is that banking is now primarily a technology business, and he returns to this theme in pieces such as “Banking is what we do... but technology is how we do it.” He examines how cloud platforms, data infrastructure, and software have become the backbone of banks, and how this shift alters control, resilience, and regulation.
In “Too Cloud to Fail” and “Too Tech to Fail,” he explores systemic risk created when critical banking operations move onto a small number of global technology providers and when artificial intelligence systems begin to make decisions autonomously. These essays combine technical detail with boardroom questions, looking at customer onboarding, payments, fraud detection, trading, and core banking through the lens of dependency on external infrastructure and machine decision-making. He also writes about issues like technical debt and the “true cost of AI,” linking technology investment decisions with leadership, laggardship, and long-term competitiveness in financial institutions. Pieces on the future of work extend this line of thinking into workforce transformation, automation, and the organisational consequences of digitalisation.
The new global money stack
In “The new global money stack,” Skinner maps how value is likely to move through the internet in the coming decades. He describes a converging architecture where banks, SWIFT, payment companies, fintech platforms, stablecoin issuers, and blockchains form an interconnected stack for treasury, settlement, remittances, merchant payments, and machine-to-machine commerce.
Rather than treating blockchain or payments in isolation, he frames them as components of a broader system in which bank money, tokenised assets, payment networks, financial messaging, and artificial intelligence interact. His archive includes discussions of generative finance, where AI integrates with money and financial decision-making, showing how algorithmic systems will sit inside this new stack. Skinner’s coverage often links specific institutions and technologies - such as digital banks, fintech platforms, and payment networks - to longer-term changes in market structure, competition, and regulation.
Articles on firms like Revolut and Nubank are used to illustrate how new players plug into and reshape the money stack rather than simply compete with traditional banks.
Crypto: from speculative asset to a new financial system
Crypto is a major recurring subject in Skinner’s work, but he treats it as infrastructure for a new financial system rather than just a speculative asset.
In pieces like “Crypto: from speculative asset to a new financial system,” he explains how technologies built around cryptocurrencies are evolving into platforms for treasury, settlement, remittances, merchant payments, and machine-to-machine commerce. He writes about the narrative of Bitcoin’s origins as an attempt to remove banks and intermediaries, and how, in practice, crypto platforms have replicated many banking functions, becoming new kinds of financial institutions. Posts such as “Crypto wanted to get rid of banks.
Now they are banks” and “Crypto has turbo-charged the Ponzi scheme” show his interest in both systemic innovation and recurring fraud patterns, combining market history with structural analysis. “How crypto is reshaping governments” extends the discussion into public policy, examining how cryptocurrencies, stablecoins, and related technologies interact with state power, regulation, and monetary sovereignty.
Even lighter pieces, like “The strange story of marmots and crypto,” use narrative and anecdote to anchor wider arguments about speculation, online communities, and the evolution of digital assets.
The internet has an identity problem
Beyond core banking and crypto themes, Skinner regularly addresses questions of digital trust, identity, and structural inefficiencies in financial services. In “The internet has an identity problem,” he argues that a lack of robust digital identity is one of the biggest unresolved inefficiencies in payments and financial services infrastructure.
He connects identity and trust with fraud, compliance, and the ability of financial institutions to operate securely at scale, suggesting that these issues sit underneath many of the products and platforms discussed elsewhere in his work. Across weekly round-ups and standalone essays, he returns to the idea that digital trust is as fundamental to the future of finance as payments or settlement technology. These topics often intersect with his writing on AI and cloud, where questions of control, accountability, and transparency become critical as more decision-making moves into algorithms and shared infrastructure.
Taken together, his coverage builds a picture of financial services as an interconnected system where identity, trust, technology, and regulation must evolve in step.
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Aaron Brown
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Aaron Trueman
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Adam Riley
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Al Landes
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