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Chris Skinner

Does anyone really think banks aren't aware of the fintech challenge?

Banks are fully aware of the threats and challenges posed by fintech companies, it's keeping up with them that is the problem.

Go new on digital, or go home

Too often, established banks have approached their digital operations as mere extensions of their existing models. However, with those that have launched a new digital bank - complete with its own budget and management team - are showing how it should be done.

Under attack: why the traditional banking business model has had its day

The old-style banking business model, run across numerous jurisdictions and business lines, is being eaten up by regulatory impositions and newer models that take a narrower focus.

Bitcoin bad, block chain good? Bad call

Bankers who reject Bitcoin yet embrace the blockchain technology it is based on do so at their own peril, says Chris Skinner. 

New entrants may intrude but banking is here to stay

New entrants may be disrupting banks, as they have done for other industries, but they will not bring about the death of banking, says Chris Skinner.

Why banks are changing their relationship status

Banks have always used their branch network to offer physical proximity and convenience to customers. However, now that banking is moving outside of the branch, lenders are having to find new ways of getting close to the customer. 

How fintech is creating a whole new industry

Is fintech disrupting banking technology or facilitating it? And what does this mean for the old players?

Why banks' core systems are creaking under a digital strain

If banks are to adapt to the digital age, their first step must be to replace their core systems – which, in many cases, pre-date the internet – but, thus far, there has been a reluctance to do so. 

What is a digital bank?

The issue of what constitutes a digital bank is an oft-debated topic of late. And while each digital bank will have its own unique qualities, all should cover five key factors.

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Can Bitcoin replace Swift?

Bitcoin has the potential to destroy banking, money and regulation as we know it. 

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