Latest articles from Chris Skinner

Embracing digital change involves thinking beyond the app

August 28, 2017

Many banking executives believe that 'going digital' begins and ends with a mobile app – but it involves much more fundamental change, writes Chris Skinner.

Why fintech firms are leaving conventional banks for dust

July 24, 2017

Traditional banks are so slow to change that they risk being left behind by the nimble fintechs that are creating a parallel financial ecosystem, writes Chris Skinner.

Make up a business case – the funding will follow

July 3, 2017

Banks love innovation but hate risk, which is why they spend so much on outside consultants. So how do you get round this and get funding for your project? With a bit of creativity, says Chris Skinner.

Why fintech start-ups think they can beat the banks

June 1, 2017

As high street banks struggle to embrace new technology, start-ups are experiencing a boom – but are they destined to replace traditional banks or merely plug the gaps the established institutions find hard to fill?

The financial model with youth on its side

May 2, 2017

While Western banks are struggling with decades-old systems, growth economies and emerging markets are building their future on mobile, says Chris Skinner.

How fit is your bank for inevitable change?

April 3, 2017

The financial marketplace is changing rapidly: it’s all based upon apps, application programming interfaces and analytics. But some banks remain blissfully ignorant of what is ahead, says Chris Skinner.

PSD2 flaws show a rethink is needed on data sharing

February 27, 2017

The new EU Payment Services Directive for banks to share customers’ data with other companies is fraught with unmitigated risks surrounding consent, security and liability, argues Chris Skinner.

Too little, too late... Have banks missed the digital drive?

February 1, 2017

Cloud-based technology is enabling the cheaper creation and development of businesses via APIs – and regulators are keen for banks to get on board the efficiency bandwagon, writes Chris Skinner.

Simplicity, design, analytics, experience: the keys to 'going digital'

January 1, 2017

A little less complexity and a lot more contextual commerce could take digital banking in the right direction.

Blockchain: the only way is up

November 28, 2016

Can blockchain come back from the doldrums? Yes, writes Chris Skinner, if the right technologies for the systems required can be identified.

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