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.

While Western banks are struggling with decades-old systems, growth economies and emerging markets are building their future on mobile, says Chris Skinner.

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.

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.

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.

A little less complexity and a lot more contextual commerce could take digital banking in the right direction.

Banks can avoid 'rogue' behaviour by their employees by repurposing the technology already used for customer data to monitor staff exposures. Chris Skinner explains.

Banks have learned that when it comes to fintech, if you can't beat them, join them, says Chris Skinner.

Markets run by computer can only approach perfection rather than reach it: humans will always be on hand to mess things up, writes Chris Skinner.