Latest articles from Comment

The waterfall effect: technology takes time to hit the ground

January 1, 2016

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. 

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An end to the analogue age

December 1, 2015

With a global majority preferring digital access to banking, the cost of serving a dwindling number of customers through expensive analogue channels is growing, something that will eventually lead to banks disposing of these channels altogether.

Face the music: banking rules prevent total digital disruption

November 2, 2015

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.

Time is on the banks' side – so use it wisely

October 1, 2015

Banks worrying about new market entrants would do well to remember how slowly capital moves.

Does anyone really think banks aren't aware of the fintech challenge?

September 1, 2015

Banks are fully aware of the threats and challenges posed by fintech companies, it's keeping up with them that is the problem.

Go new on digital, or go home

August 1, 2015

Too often, established banks have approached their digital operations as mere extensions of their existing models. However, with those that have launched a new digital bank - complete with its own budget and management team - are showing how it should be done.

Under attack: why the traditional banking business model has had its day

July 1, 2015

The old-style banking business model, run across numerous jurisdictions and business lines, is being eaten up by regulatory impositions and newer models that take a narrower focus.

Bitcoin bad, block chain good? Bad call

June 1, 2015

Bankers who reject Bitcoin yet embrace the blockchain technology it is based on do so at their own peril, says Chris Skinner. 

New entrants may intrude but banking is here to stay

April 30, 2015

New entrants may be disrupting banks, as they have done for other industries, but they will not bring about the death of banking, says Chris Skinner.

Why banks are changing their relationship status

April 1, 2015

Banks have always used their branch network to offer physical proximity and convenience to customers. However, now that banking is moving outside of the branch, lenders are having to find new ways of getting close to the customer. 

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