Customers rather than regulators will force major changes in banking.

Applying a blanket regulation to restrict all high-frequency trading will hinder financial institutions' ability to deal with abnormal market conditions.

Regulators need to get their interpretations right if the industry is expected to stick to the rules.

It is time for the banks to embrace Web 2.0 by putting the customer in control of how they receive financial services.

We are due for another global financial crisis in 30 to 50 years' time - and Asian rivalry appears the most likely cause. By Chris Skinner

The accelerating development of mobile internet banking does not necessarily mean the end of bank branches. By Chris Skinner

Electronic trading is an obvious target for the regulators, but they are unlikely to succeed in reining in progress. By Chris Skinner

Many thought the revolution in mobile banking would be a long time coming. They were wrong. By Chris Skinner

Implementing a single customer view will cost millions, requires major system shake-ups and will take different forms across different countries. Is it worth the upheaval? By Chris Skinner

In the drive to improve customer service in banking, the need for better identity tracking is growing. By Chris Skinner