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Are fintech unicorns really leprechauns?

August 1, 2019

Start-ups are grabbing headlines with their eye-watering valuations, but there seems to be something illusory about the numbers.

Getting to the core of banks' legacy problems

June 3, 2019

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.

The tug of war for tech talent

May 1, 2019

How can banks tempt coders away from the big tech titans or the exciting start-up world of unicorns, centaurs and ponies? 

China mobile payment

The early-mover disadvantage

December 3, 2018

Developed countries that were early innovators are now finding it hard to disentangle from their (now established) innovations, and are being left standing by developing regions. By Chris Skinner.

Run the bank. Change the bank

November 1, 2018

The new bank era has arrived – and entails learning to code, creating digital structures and closing branches. 

Open banking has arrived whether you like it or not

October 1, 2018

There is now global momentum behind open banking, so it is time to sell customers on the benefits of data-sharing, writes Chris Skinner.

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.

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.

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.

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