Latest articles from Chris Skinner

Why distributed ledgers aren’t working (yet)

October 30, 2017

Distributed ledger technology is still confusing people, largely because it is still at an early phase. Once it matures and regulators agree on standards, the benefits will become clearer – but it will take time, says Chris Skinner.

Ant Financial teaser

The march of Ant Financial

October 2, 2017

Chris Skinner was invited to join Alibaba’s annual Netrepeneurs conference in Hangzhou, China, for star sellers on Alibaba’s Taobao platform. He reports on Ant Financial, the Alibaba spin-off that operates mobile payments app Alipay.

Why jack-of-all-trade banks will go the way of the dinosaurs

September 25, 2017

Doing a number of things to an average standard is no longer tenable for banks. They need to jettison legacy systems and old thinking, and embrace multiple partnerships with fintechs that do one thing brilliantly – or face obsolescence. By 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.

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