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Latest articles from Comment

You don't own the customer

April 7, 2009

In fact, the customer owns you – if they want to – while others think that banks are all the same

Banking’s personal services

March 10, 2009

Banking as a service (BaaS) is a concept hat has come to pass as the new version of banking using the Software as a Service (SaaS) business model.

PayPal reigns supreme

February 2, 2009

Established 10 years ago to facilitate eBay transactions, PayPal has taken hold of the online payment market.

Léo Apotheker

October 6, 2008

Technology can help banks improve business processes and, in turn, prepare them for the many future challenges.

Roots of a global currency?

September 1, 2008

When Barclays Bank takes part in a local currency scheme, others should pay attention. Writer Chris Skinner.

You can’t grow by cutting costs

July 1, 2008

Ruthlessly slashing costs is a common response to troubled times. But it won’t guarantee survival – in fact, experience tells us it has the opposite effect. By Chris Skinner.

Non-banks lead the way

June 2, 2008

Payments experts believe that most of the firms that will lead innovation on payments are brand new businesses that are not in the financial services industry. 

The patterns of human nature

May 5, 2008

In the financial markets, there seems to be a repeating pattern of related crises and business collapses every decade or so. Could it be because lessons are not being learned from past mistakes? By Chris Skinner.

Firewalls hinder progress

April 7, 2008

Some banks are making efforts to engage with people through virtual worlds and social networks on the internet but their knowledge of this area is still limited – and being excluded by corporate firewalls does not help, writes Chris Skinner.

Remove brain before work

March 4, 2008

A recent encounter with a business banker proved that, as far as financial services are concerned, the days of human relationships and judgement calls are over. The computerised process is king. By Chris Skinner.

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