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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.

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.

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