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.

Regtech, the younger brother of fintech, is a hot topic within the UK, but other countries are struggling to follow suit. Chris Skinner explains why.

It is worth tuning out the white noise surrounding blockchain because real change is in the works – provided everyone understands what it involves.

Fintech companies are an odd mix of 'boomers' that tend to have the financial knowledge, and 'millennials' that bring the technological expertise. The success of such a company, however, seems to depend on how the two mix.

As identities increasingly move online, the 'bank account' will eventually become a place where virtual money is kept in a digital 'bucket' with access allowed to trusted parties. 

Layers of resistance, from hard-to-update legacy systems to hard-to-break user habits, make the timeline for seeing a new technological innovation hit the mainstream surprisingly long. 

Will banking be disrupted by digitalisation to the extent that music and entertainment have? Not quite, thanks to the tight regulation those operating within financial markets have to adhere to.