Banks need to rethink their purpose, embrace open banking and move to a process-structured business model.
The complete dematerialisation of paper, cash and branches has not happened the way many in the industry thought it would, writes Chris Skinner.
Outcome from pandemic could be financial industry pays more attention to sustainability.
Fintechs are finding new ways to respond to needs of locked-down populations during pandemic.
Banks must address problems of business continuity and resiliency in times of global pandemics if they are to fare better when the next one hits.
Does it matter which country controls the banking cloud infrastructure?
Can an incumbent bank spin up or buy a digital bank to get out of transforming itself?
The fintech community sprang up out of nowhere to dominate any discussion on the state of the banking industry. But will we still be talking about it in 10 years’ time?
The past 10 years have seen both incredible technology disruption and the proliferation of financial disruptors – and the pace of change only seems to be speeding up as we head into 2020.
UK banks need to start spreading the word about the benefits that Open Banking can bring customers.
Blockchain's star is beginning to fade – but don’t write it off just yet, says Chris Skinner.
Using agile methodologies can help break down the barriers to understanding between techies and bankers, says Chris Skinner.
The battle royal between incumbent infrastructure consortium Swift and challenger Ripple may be cooling after years of heated disagreement.
Start-ups are grabbing headlines with their eye-watering valuations, but there seems to be something illusory about the numbers.
Disruption may be a term both overused and under-delivered on, but ignore it at your peril.
Legacy core banking systems are well past their shelf life and adding on new layers of functionality at the front end just won’t make the grade, writes Chris Skinner.
How can banks tempt coders away from the big tech titans or the exciting start-up world of unicorns, centaurs and ponies?
Traditional banks' procedures to open new accounts are so cumbersome and time consuming, they could drive customers into the more efficient arms of challengers.
It is hard to understate the importance of digital transformation and all things tech in banking, writes Chris Skinner, but humans will always have their part to play.
Dealing with technology through money is a different game to dealing with money through technology. However, as Chris Skinner writes, the two are merging in an intriguing way.