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  • Analysis, commentary, occasional original content direct from Shanghai, and curated analysis on news from my Linkedin Postings and beyond;

  • Trusted by over 35,000 executives, innovators, investors, policymakers, journalists, academics & open-minded crypto-hodlers daily;

  • “Onalytica” Top 100 Global Fintech Influencer.

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What they say

“Richard Turrin has had the unique experience of watching China’s fintech, payments and digital currency revolution from ground zero.”

—Brett King, Bestselling Author of The Rise of Technosocialism, Bank 4.0, CEO of Moven

“Rich’s social media posts and analysis on China’s AI, fintech, and digital currency trends provide me always with great busi- ness insights.”

—Spiros Margaris/Margaris Ventures, Ranked Global No. 1 Finance Influencer by Refinitiv & Ranked Global No. 1 Fintech, AI, Blockchain Influencer by Onalytica

“Your survey of the global CBC/fintech scene is a best-in-class resource for anyone interested in this dynamic field.”

—Andy Mukherjee, Award-winning Indian journalist currently a Bloomberg Opinion columnist covering financial services.

About Richard Turrin

I am the author of two No. 1 international bestsellers "Cashless: China's Digital Currency Revolution." and “Innovation Lab Excellence.” My home is Shanghai, China where I've lived since 2010 and had the privilege of living through China's "cashless" revolution firsthand.

I write about what I know. I am an award-winning, dynamic Fintech expert with over 20 years of experience in investment banking. I write, speak and consult on innovation and China because I learned about both the hard way. I headed four labs in banks and headed fintech operations in China and Singapore for IBM.

My views on China’s digital yuan and tech scene are widely quoted in major media, such as CNBC, The Financial Times, The Wall Street Journal, Reuters, The South China Morning Post, The Business Standard, and CGTN.

My opinions are sought after because they are practical, gritty, and real-world just as they are here in this substack newsletter.

I tweet on @richard_turrin post on LinkedIn as Richard Turrin and my latest media appearances can be viewed on

CNBC Squawk Box: Richard Turrin, fintech consultant and author, says "the last thing that China wants to do with its … new baby of a currency is to get it put into the mud while in the sanction-busting game."

CGTN - The Agenda with Stephen Cole: A Cashless China? Richard Turrin, Expert on China's Digital Currency

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Nearly 35,000 innovators, executives, start-up founders, analysts, journalists, scholars, and yes, even crypto-enthusiasts read my daily postings on LinkedIn for their valuable insights. I proudly became a global Top 100 fintech influencer based on this work and my books.

This newsletter is my way to produce long-form content that doesn’t fit within the constraints of Linkedin. Substack provides me with the best way to share directly with you my audience but to have you share my work with friends and colleagues, something LinkedIn does very poorly.

Substack’s share buttons and easy-to-copy links make it much easier to share than a LinkedIn post. Here is an example below:

Share Cashless: Central Bank Digital Currency and China in Perspective

That’s why I’m moving my long-form content off of Linkedin and onto substack. While LinkedIn provides a great way for me to meet you with shorter punchy posts, substack gives me a way to provide you with deeper more meaningful interaction.

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I don’t want your money, I do want you to share!

I don’t give a damn about making money here. I’m an author, I make my living selling books and getting paid for consulting, advisory, keynotes, or corporate gigs surrounding my books.

The only way I can get these gigs is if people know about me and my work.

Everything that I do here on substack is designed to be shared. I am a proud member of the “attention economy.” More valuable to me than $9.99 a month in subscription revenue is building a following!

Clicking on these buttons are the greatest gift you can give me!

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So do me a solid. Share my email with a friend or a colleague. Who doesn’t want quality commentary for “free.” I am forever appreciative of all those who shared their love of my book Cashless with friends to make it a No. 1 international best-seller.

Please help do the same here and I thank you in advance for letting one person or twenty know about my writing here on substack.

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Rich Turrin
Rich is the international best-selling author of “Cashless,” a Top 100 Fintech Influencer, and a leading media commentator on e-CNY, CBDC, and China.