Chris Skinner
www.thefinanser.com


        ©Chris Skinner. All rights reserved.
2
    ©Chris Skinner. All rights reserved.
The times, they are changing

1959         1969                                1979




                                  ...
AAMOF - As A Matter Of                 IAE- In Any Event                              POS - Parent Over Shoulder
AAR - At ...
@       At                   MSG             Message                       W       With
ATB     All The Best         NE   ...
emoticons




©Chris Skinner. All rights reserved.
7
    ©Chris Skinner. All rights reserved.
Population of Earth:       6,676,120,288
Not an internet presentation,
                         Internet Users, Q2 2008:  ...
The new world order


• Social Chat, 2000-today
   –   SMS text messages
   –   Instant Messaging
   –   Chatrooms
   –   ...
The new world order


• Social Chat, 2000-today
• Social Media, 2003-today
   –   Blogs
   –   YouTube
   –   Podcasting
 ...
The new world order


• Social Chat, 2000-today
• Social Media, 2003-today
• Social Worlds, 2004-today
   –   There
   –  ...
The new world order


•   Social Chat, 2000-today
•   Social Media, 2003-today
•   Social Worlds, 2004-today
•   Social Ne...
The new world order


•   Social Chat, 2000-today
•   Social Media, 2003-today
•   Social Worlds, 2004-today
•   Social Ne...
The Social Phenomena




Courtesy of Kameran Ahari, Napa Consulting Group

                                               ...
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
2008 Technorati report




                     ©Chris Skinner. All rights reserved.
http://technorati.com/blogging/state-...
©Chris Skinner. All rights reserved.
The Inspiration




The average consumer has more reach online than ever before

                                  ©Chris ...
March 2006




©Chris Skinner. All rights reserved.
http://blog.wellsfargo.com/




 ©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
Integrate with core branding
www.wellsfargo.com/centerstage




   ©Chris Skinner. All rights reserved.
The Latest:
                                                       Someday Stories

•   Contemporizes the essay contest
  ...
Someday Stories




©Chris Skinner. All rights reserved.
126 channels in 19 countries




 ©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
Social Networking
                              Age 15+ - Home and Work Locations




Region            Unique Visitors   ...
Social Networking
                                            Age 15+ - Home and Work Locations




Website               ...
Age distribution of UK social
       network users




       ©Chris Skinner. All rights reserved.
Finland
                                                                          4.7hrs/mth
                        Canad...
©Chris Skinner. All rights reserved.
Bob Blower (bob_blower@hotmail.com);
bobblower@hsbc.com




              ©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
Many worlds out there




©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
Webkare




©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
Avatars




©Chris Skinner. All rights reserved.
It’s a very, very … mad world




   ©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
Avatars




©Chris Skinner. All rights reserved.
Avatars




©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
56
     ©Chris Skinner. All rights reserved.
Virtual Q110 closely reflects reality


Branding     Architecture                                  People




            ...
The Rise and Fall and Rise of
                                                 Second Life

                 October 2006
...
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
The language of QQ




http://thechinaobserver.com/2008/12/an-introduction-to-virtual-currency-in-china/
                 ...
The banning of QQ




http://www.nytimes.com/2009/07/01/technology/internet/01yuan.html?_r=1&ref=business
                ...
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
Some get it …


ANZ's CEO Brian Hartzer on why he Twitters:
"There’s no doubt that social networking is not only growing i...
Folks, this is my last tweet as
I've resigned to pursue an
overseas opportunity. Thanks
for your continued support
for ANZ...
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
http://www.getgrowingforbusiness.com/




©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
http://www.getgrowingforbusiness.com/




©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
Social Lending is already global
Expect proliferation, niches developing, consolidation




            ©Chris Skinner. Al...
SmartyPig

                                   • SmartyPig one of the
                                     first real banki...
http://thefinanser.co.uk/fsclub/2009/06/a-spanish-first-social-banking.html

                               ©Chris Skinner...
http://thefinanser.co.uk/fsclub/2008/07/bbva-the-
first.html




                                        ©Chris Skinner. A...
91
     ©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.   92
Settings     Fast Food                       Entertainment      Gifts




  Oyster        Money                           ...
Settings     Fast Food                       Entertainment      Gifts




  Oyster        Money                           ...
http://thefinanser.co.uk/fsclub/2009/03/jibun-bank-the-mobile-only-bank.html
                                 ©Chris Skinn...
©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
Microtransactions are the future




   ©Chris Skinner. All rights reserved.
SOGITAL
                                                               March 2009


Nielsen Online’s latest research shows...
100
      ©Chris Skinner. All rights reserved.
Participation is key


      7 reasons to blog
      • self-documentation
      • self-expression
      • information
    ...
Participation is key


      Amazon relies on users to participate and volunteer content




      Amazon then manages the...
Participation is key

      eBay is the same




103
                         ©Chris Skinner. All rights reserved.
Participation is key


      and Wikipedia




104
                      ©Chris Skinner. All rights reserved.
©Chris Skinner. All rights reserved.
106
      ©Chris Skinner. All rights reserved.
107
      ©Chris Skinner. All rights reserved.
108
      ©Chris Skinner. All rights reserved.
The Future of Online Finance... Now




                                                                      2.5million+ ...
Further                                   Reading


Blog Index (from April 2009)
http://thefinanser.co.uk/fsclub/the-week/...
Chris Skinner
www.thefinanser.com


        ©Chris Skinner. All rights reserved.
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Social Finance In Banking

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Comprehensive overview of the latest state of play in banking and social finance, as discussed in blog entry http://tinyurl.com/kuf9v8. Also, some slides based upon work by Christophe Langlois - see http://www.slideshare.net/Christophe.Langlois

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Social Finance In Banking

  1. 1. Chris Skinner www.thefinanser.com ©Chris Skinner. All rights reserved.
  2. 2. 2 ©Chris Skinner. All rights reserved.
  3. 3. The times, they are changing 1959 1969 1979 2009 1989 1999 ©Chris Skinner. All rights reserved.
  4. 4. AAMOF - As A Matter Of IAE- In Any Event POS - Parent Over Shoulder AAR - At Any Rate IANAL- I Am Not A Lawyer POV - Point Of View AFAIAA - As Far As I Am Aware IIUC - If I Understand Correctly RSN - Real Soon Now AFK - Away From Keyboard IMHO - In My Humble Opinion SCNR - Sorry, Could Not Resist AIUI - As I Understand It IMNSHO - In My Not So Humble Opinion SETE- Smiling Ear To Ear B4 - Before IOW - In Other Words SITD - Still In The Dark BFN - Bye For Now IRL- In Real Life. TIA - Thanks In Advance BRB - Be Right Back ISTM - It Seems To Me TLA - Three Letter Acronym BTDT - Been There, Done That ISTR - I Seem To Recall TPTB- The Powers That Be BTW - By The Way IYSWIM - If You See What I Mean TTBOMK - To The Best Of My CID- Crying In Disgrace. JFTR - Just For The Record Knowledge CNP- Continued in Next Post. JMO- Just My Opinion. TTFN - Ta Ta For Now CUL - See You Later KIT- Keep In Touch TTYL - Talk To You Later DIY- Do It Yourself KUTGW- Keep Up The Good Work WRT - With Regard To DYJHIW - Don't You Just Hate It When L8R- Later. WTB- Want To Buy EG- Evil Grin. LMK-.Let Me Know WTH - What The Heck? FLA - Four Letter Acronym LOL - Laughing Out Loud YA - Yet Another FWIW - For What It's Worth LZR- Loser! YHGMTPOTG - You Have Greatly FYEO - For Your Eyes Only MMF- Make Money Fast Misunderstood The Purpose Of This FYI - For Your Information OIC- Oh, I See Group GMTA- Great Minds Think Alike OTOH - On The Other Hand YMBJ - You Must Be Joking HAGN- Have A Good Nite. PLZ- Please YMHMYFAIOA - You May Have Mistaken HAND - Have A Nice Day PMFJI -Pardon Me For Jumping In Yourself For An Inventor Of Acronyms 4 ©Chris Skinner. All rights reserved.
  5. 5. @ At MSG Message W With ATB All The Best NE Any W/O Without B Be or Bee NETHNG Anything WKND Weekend BCNU I’ll Be Seeing You NE1 Anyone XLNT Excellent BWD Backward NO1 No-One XOXOX Hugs and Kisses B4 Before OIC Oh, I See YR Your C See or Sea PCM Please Call Me 1 One or Won CU See You PLS Please 2 Too or To or Two DOIN Doing PPL People 2DAY Today F2T Free To Talk RUOK Are You Okay? 2MORO Tomorrow FWD Forward RGDS Regards 2NITE Tonight GONNA Going To SUM1 Someone 3SUM Threesome GR8 Great STRA Stray 4 For or Four H8 Hate THNQ Thank You :-) I’m Happy L8 Late THX Thanks :-o I’m Surprised L8R Later U You :-( I’m Sad LUV Love UR You Are d:) Baseball Cap MOB Mobile WAN2 Want To? :-/ Confused ©Chris Skinner. All rights reserved.
  6. 6. emoticons ©Chris Skinner. All rights reserved.
  7. 7. 7 ©Chris Skinner. All rights reserved.
  8. 8. Population of Earth: 6,676,120,288 Not an internet presentation, Internet Users, Q2 2008: 1,463,632,361 Internet Users, Q4 2000: 360,985,492 but … Mobile Users, Q2 2008: 3, 352,237,974 ©Chris Skinner. All rights reserved.
  9. 9. The new world order • Social Chat, 2000-today – SMS text messages – Instant Messaging – Chatrooms – Status updates – Twitter ©Chris Skinner. All rights reserved.
  10. 10. The new world order • Social Chat, 2000-today • Social Media, 2003-today – Blogs – YouTube – Podcasting – Flickr ©Chris Skinner. All rights reserved.
  11. 11. The new world order • Social Chat, 2000-today • Social Media, 2003-today • Social Worlds, 2004-today – There – Second Life – Gaia – Habbo Hotel – Entropia – Utherverse ©Chris Skinner. All rights reserved.
  12. 12. The new world order • Social Chat, 2000-today • Social Media, 2003-today • Social Worlds, 2004-today • Social Networking, 2005-today – Facebook – MySpace – Bebo – Badoo – Cyworld – QQ – Mixi ©Chris Skinner. All rights reserved.
  13. 13. The new world order • Social Chat, 2000-today • Social Media, 2003-today • Social Worlds, 2004-today • Social Networking, 2005-today • Social Finance, 2005 … – Zopa – SmartyPig – Join2Grow – Stagecoach Island – Our Virtual Holland ©Chris Skinner. All rights reserved.
  14. 14. The Social Phenomena Courtesy of Kameran Ahari, Napa Consulting Group ©Chris Skinner. All rights reserved.
  15. 15. ©Chris Skinner. All rights reserved.
  16. 16. ©Chris Skinner. All rights reserved.
  17. 17. 2008 Technorati report ©Chris Skinner. All rights reserved. http://technorati.com/blogging/state-of-the-blogosphere//
  18. 18. ©Chris Skinner. All rights reserved.
  19. 19. The Inspiration The average consumer has more reach online than ever before ©Chris Skinner. All rights reserved.
  20. 20. March 2006 ©Chris Skinner. All rights reserved.
  21. 21. http://blog.wellsfargo.com/ ©Chris Skinner. All rights reserved.
  22. 22. ©Chris Skinner. All rights reserved.
  23. 23. Integrate with core branding www.wellsfargo.com/centerstage ©Chris Skinner. All rights reserved.
  24. 24. The Latest: Someday Stories • Contemporizes the essay contest by encouraging participants to share their Someday story • Five stories selected for $10,000 first prize, delivered via Wells Fargo Stagecoach • Five first prize winners filmed and be eligible to win the Grand Prize of $100,000 • Consumers voting in a video contest format for the $100,000 www.wellsfargo.com/somedaystories ©Chris Skinner. All rights reserved. 24
  25. 25. Someday Stories ©Chris Skinner. All rights reserved.
  26. 26. 126 channels in 19 countries ©Chris Skinner. All rights reserved.
  27. 27. ©Chris Skinner. All rights reserved.
  28. 28. Social Networking Age 15+ - Home and Work Locations Region Unique Visitors Unique Visitors Percentage June 2007 June 2008 change Worldwide 464.4 million 580.5 million 25% Asia Pacific 162.7 million 200.6 million 23% Europe 122.5 million 165.3 million 35% North America 120.8 million 131.3 million 9% Latin America 40.1 million 53.2 million 33% Middle East - 18.2 million 30.2 million 66% Africa Source: comScore World Metrix, August 2008 ©Chris Skinner. All rights reserved.
  29. 29. Social Networking Age 15+ - Home and Work Locations Website Unique Visitors Unique Visitors Percentage June 2007 June 2008 change Total Internet : 778.3 million 860.5 million 11% Total Audience Social Networking 464.4 million 580.5 million 25% FACEBOOK.COM 52.2 million 132.1 million 153% MYSPACE.COM 114.1 million 117.6 million 3% HI5.COM 28.2 million 56.4 million 100% FRIENDSTER.COM 24.7 million 37.1 million 50% Orkut 24.1 million 34.0 million 41% BEBO.COM 18.2 million 24.0 million 32% Skyrock Network 17.6 million 21.0 million 19% Source: comScore World Metrix, August 2008 ©Chris Skinner. All rights reserved.
  30. 30. Age distribution of UK social network users ©Chris Skinner. All rights reserved.
  31. 31. Finland 4.7hrs/mth Canada UK Russia 5.6 hrs/mth 4.6hrs/mth Germany 6.6 hrs/mth 4.2hrs/mth USA Spain 4.2hrs/mth 5.3 hrs/mth Puerto Rico 5.3 hrs/mth Brazil 6.3 hrs/mth Of the 1.1 billion people age 15 and older worldwide who accessed the Internet from a home or work location in May 2009, 734.2 million visited at least one social networking site during the month, representing a penetration of 65 percent of the worldwide internet audience. Comscore Press Release, June 2nd 2009 http://www.comscore.com/Press_Events/Press_Releases/2009/7/Russia_has_World_s_Most_Engaged_Social_Networking_Audience ©Chris Skinner. All rights reserved.
  32. 32. ©Chris Skinner. All rights reserved.
  33. 33. Bob Blower (bob_blower@hotmail.com); bobblower@hsbc.com ©Chris Skinner. All rights reserved.
  34. 34. ©Chris Skinner. All rights reserved.
  35. 35. ©Chris Skinner. All rights reserved.
  36. 36. ©Chris Skinner. All rights reserved.
  37. 37. ©Chris Skinner. All rights reserved.
  38. 38. ©Chris Skinner. All rights reserved.
  39. 39. ©Chris Skinner. All rights reserved.
  40. 40. Many worlds out there ©Chris Skinner. All rights reserved.
  41. 41. ©Chris Skinner. All rights reserved.
  42. 42. ©Chris Skinner. All rights reserved.
  43. 43. ©Chris Skinner. All rights reserved.
  44. 44. ©Chris Skinner. All rights reserved.
  45. 45. Webkare ©Chris Skinner. All rights reserved.
  46. 46. ©Chris Skinner. All rights reserved.
  47. 47. Avatars ©Chris Skinner. All rights reserved.
  48. 48. It’s a very, very … mad world ©Chris Skinner. All rights reserved.
  49. 49. ©Chris Skinner. All rights reserved.
  50. 50. ©Chris Skinner. All rights reserved.
  51. 51. Avatars ©Chris Skinner. All rights reserved.
  52. 52. Avatars ©Chris Skinner. All rights reserved.
  53. 53. ©Chris Skinner. All rights reserved.
  54. 54. ©Chris Skinner. All rights reserved.
  55. 55. ©Chris Skinner. All rights reserved.
  56. 56. 56 ©Chris Skinner. All rights reserved.
  57. 57. Virtual Q110 closely reflects reality Branding Architecture People ©Chris Skinner. All rights reserved.
  58. 58. The Rise and Fall and Rise of Second Life October 2006 Total Residents 1,211,392 Residents Logged-In November 7, 2008 During Last 60 Days 502,733 Total Residents 15,786,354 Residents Logged-In During Last 60 Days 1,287,651 March 2007 Total Residents 4,458,521 Residents Logged-In During Last 60 Days 1,601,788 July 4, 2009 Residents Logged-In During Last 60 Days 1,386,122 August 2007 Total Residents 9,067,274 Residents Logged-In During Last 60 Days 1,639,432 ©Chris Skinner +44 790 586 2270 Skinner. Allchris.skinner@fsclub.co.uk ©Chris rights reserved.
  59. 59. ©Chris Skinner. All rights reserved.
  60. 60. ©Chris Skinner. All rights reserved.
  61. 61. The language of QQ http://thechinaobserver.com/2008/12/an-introduction-to-virtual-currency-in-china/ ©Chris Skinner. All rights reserved.
  62. 62. The banning of QQ http://www.nytimes.com/2009/07/01/technology/internet/01yuan.html?_r=1&ref=business ©Chris Skinner. All rights reserved.
  63. 63. ©Chris Skinner. All rights reserved.
  64. 64. ©Chris Skinner. All rights reserved.
  65. 65. ©Chris Skinner. All rights reserved.
  66. 66. ©Chris Skinner. All rights reserved.
  67. 67. ©Chris Skinner. All rights reserved.
  68. 68. ©Chris Skinner. All rights reserved.
  69. 69. ©Chris Skinner. All rights reserved.
  70. 70. ©Chris Skinner. All rights reserved.
  71. 71. ©Chris Skinner. All rights reserved.
  72. 72. Some get it … ANZ's CEO Brian Hartzer on why he Twitters: "There’s no doubt that social networking is not only growing in take-up, but in importance as a channel. Twitter is unlike any other social media vehicle because its immediate, honest and no-nonsense environment really allows you to feel the pulse of the community." ©Chris Skinner. All rights reserved.
  73. 73. Folks, this is my last tweet as I've resigned to pursue an overseas opportunity. Thanks for your continued support for ANZ. All the best. 5th May 2009 ©Chris Skinner. All rights reserved.
  74. 74. ©Chris Skinner. All rights reserved.
  75. 75. ©Chris Skinner. All rights reserved.
  76. 76. ©Chris Skinner. All rights reserved.
  77. 77. ©Chris Skinner. All rights reserved.
  78. 78. ©Chris Skinner. All rights reserved.
  79. 79. ©Chris Skinner. All rights reserved.
  80. 80. http://www.getgrowingforbusiness.com/ ©Chris Skinner. All rights reserved.
  81. 81. ©Chris Skinner. All rights reserved.
  82. 82. ©Chris Skinner. All rights reserved.
  83. 83. ©Chris Skinner. All rights reserved.
  84. 84. ©Chris Skinner. All rights reserved.
  85. 85. http://www.getgrowingforbusiness.com/ ©Chris Skinner. All rights reserved.
  86. 86. ©Chris Skinner. All rights reserved.
  87. 87. Social Lending is already global Expect proliferation, niches developing, consolidation ©Chris Skinner. All rights reserved.
  88. 88. SmartyPig • SmartyPig one of the first real banking applications that is truly social. • It is like an online piggy bank, where you save money for specific goals. • First banking application that allows friends and family to contribute to interest bearing goals. • Public goals allow friends and family to contribute, or keep your account private ©Chris Skinner. All rights reserved.
  89. 89. http://thefinanser.co.uk/fsclub/2009/06/a-spanish-first-social-banking.html ©Chris Skinner. All rights reserved.
  90. 90. http://thefinanser.co.uk/fsclub/2008/07/bbva-the- first.html ©Chris Skinner. All rights reserved.
  91. 91. 91 ©Chris Skinner. All rights reserved.
  92. 92. ©Chris Skinner. All rights reserved. 92
  93. 93. Settings Fast Food Entertainment Gifts Oyster Money Search Travel Fast Fashion Tell Free Time ©Chris Skinner. All rights reserved.
  94. 94. Settings Fast Food Entertainment Gifts Oyster Money Search Travel Fast Fashion Tell Free Time ©Chris Skinner. All rights reserved.
  95. 95. http://thefinanser.co.uk/fsclub/2009/03/jibun-bank-the-mobile-only-bank.html ©Chris Skinner. All rights reserved.
  96. 96. ©Chris Skinner. All rights reserved.
  97. 97. ©Chris Skinner. All rights reserved.
  98. 98. Microtransactions are the future ©Chris Skinner. All rights reserved.
  99. 99. SOGITAL March 2009 Nielsen Online’s latest research shows that social networking is now more popular than email. According to their study, 66.8% of Internet users have used social networks, while only 65.1% have used email. FACEBOOK YOUTUBE • Facebook has grown from 100 million to 200 • March 2009 YouTube reached 100 million million users in less than 8 months. monthly viewers in the US. 6.3 billion videos • If it were a country, it would be bigger than were viewed on the site. Brazil. • According to some calculations, YouTube will • Its traffic has grown immensely in one year’s serve 75 billion video streams to 375 million period, especially in Europe where it grew unique visitors in 2009. 314%. TWITTER • According to comScore, it has grown a • Twitter grew 76.8 percent just from February staggering 2,721% in Italy from February to March 2009-04-21 2008 to February 2009; 999% in Spain, 607% • Its yearly growth rate is 1,382 percent in Belgium, 518% in France, 499% in • According to Nielsen, Twitter currently has 7 Switzerland. million unique monthly visitors. If it keeps • According to latest calculations, Facebook growing at this rate, it’ll have nearly 100 now has a total of 65.7 million unique million visitors by March 2010. visitors versus MySpace’s 54.1 million. • Amazon & Domino’s Pizza fail ©Chris Skinner. All rights reserved.
  100. 100. 100 ©Chris Skinner. All rights reserved.
  101. 101. Participation is key 7 reasons to blog • self-documentation • self-expression • information • socialization • improving writing • medium appeal • passing time 101 ©Chris Skinner. All rights reserved.
  102. 102. Participation is key Amazon relies on users to participate and volunteer content Amazon then manages the data and structure and editing to achieve success 102 ©Chris Skinner. All rights reserved.
  103. 103. Participation is key eBay is the same 103 ©Chris Skinner. All rights reserved.
  104. 104. Participation is key and Wikipedia 104 ©Chris Skinner. All rights reserved.
  105. 105. ©Chris Skinner. All rights reserved.
  106. 106. 106 ©Chris Skinner. All rights reserved.
  107. 107. 107 ©Chris Skinner. All rights reserved.
  108. 108. 108 ©Chris Skinner. All rights reserved.
  109. 109. The Future of Online Finance... Now 2.5million+ users The next way to invest Launches BlobLive 850,000+ users Closes US office + World Economic Forum J2G is 2 Partners with ANZ 10 new videos / day Launches Ace Manager ©Chris Skinner. All rights reserved.
  110. 110. Further Reading Blog Index (from April 2009) http://thefinanser.co.uk/fsclub/the-week/ A Directory of Social Finance http://thefinanser.co.uk/fsclub/2009/04/a-directory-of-social-finance.html The Future of Banking: in a Globalised World http://www.amazon.co.uk/Future-Banking-Globalised-Skinner- Chronicles/dp/047051034X/ref=pd_bxgy_b_img_b The Financial Services Club Library (members only) ©Chris Skinner. All rights reserved.
  111. 111. Chris Skinner www.thefinanser.com ©Chris Skinner. All rights reserved.

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