Ignore the naysayers: cryptocurrencies are more than just a passing fancy, says Chris Skinner.

The tough regulation of banks is essential to maintain trust in the sector and is one element fintech firms could find weighs on their innovation as they get more established and are required to comply, says Chris Skinner.

Contrary to popular belief, banks are capable of adapting to change. They need to recognise that the mobile wallet requires a savvy response, writes Chris Skinner.

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.

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.

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

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.

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.

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?