For all the talk about revolutions in banking, nothing much has changed yet. But do the big banks have to change? For all the cost, investment, marketing, effort, hurdles and barriers new players have to get through, any serious competition seems unlikely.

As banking by mobile telephone takes off in the developing world, should banks be wary or welcoming of this progress?

Banks agree that data is key to the growth of their business but they are being outclassed in its usage by companies that grew up on the internet.

Recent advances in mobile technology may be exciting, but the real focus for the future of mobile payments is the chip. 

Customers rather than regulators will force major changes in banking.

Applying a blanket regulation to restrict all high-frequency trading will hinder financial institutions' ability to deal with abnormal market conditions.

Regulators need to get their interpretations right if the industry is expected to stick to the rules.

It is time for the banks to embrace Web 2.0 by putting the customer in control of how they receive financial services.

We are due for another global financial crisis in 30 to 50 years' time - and Asian rivalry appears the most likely cause. By Chris Skinner

The accelerating development of mobile internet banking does not necessarily mean the end of bank branches. By Chris Skinner