Latest articles from Chris Skinner

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Fintech is reaching areas banks could never reach

May 10, 2021

While the internet has the potential to include everyone in the world, fintech can improve access to finance.

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The radical restructuring to be digital

April 15, 2021

During the past year, the world has witnessed a sea-change in banks’ approach to both cloud and cryptocurrencies. 

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What does cashless really mean?

April 1, 2021

Mass shift to digital financial services during Covid-19 has called into question the longevity of ATMs and branches.

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Should a bank have more technologists than Microsoft?

March 1, 2021

Big banks appear to be confusing quantity with quality when it comes to tech headcount.

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‘Omniaccess’ is the strategic imperative for banks in the 2020s

January 29, 2021

Banks must move from the mindset of being digitally available to digitally native if they want to keep fighting fit in the future.

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The platform of platforms

January 4, 2021

Disruption in the financial services industry has reached a new level of maturity.

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What’s a dollar worth?

December 1, 2020

The move to digital should have driven down banks’ cost-to-income ratios, so why have they improved so little?

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Is UK banking about to fall off a cliff?

November 2, 2020

Brexit is creating existential angst for the City of London but it’s unlikely the City will be replaced as the global financial centre of choice. 

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Central bank digital currencies: are you ready?

October 7, 2020

As central banks push ahead with digital currency experiments, financial institutions must stay abreast of developments or risk being left behind.

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Why banks must be purpose-driven, platform-based and process-structured

September 9, 2020

Banks need to rethink their purpose, embrace open banking and move to a process-structured business model.

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