Start-ups are grabbing headlines with their eye-watering valuations, but there seems to be something illusory about the numbers.

Disruption may be a term both overused and under-delivered on, but ignore it at your peril. 

Legacy core banking systems are well past their shelf life and adding on new layers of functionality at the front end just won’t make the grade, writes Chris Skinner.

How can banks tempt coders away from the big tech titans or the exciting start-up world of unicorns, centaurs and ponies? 

Traditional banks' procedures to open new accounts are so cumbersome and time consuming, they could drive customers into the more efficient arms of challengers.

It is hard to understate the importance of digital transformation and all things tech in banking, writes Chris Skinner, but humans will always have their part to play.

Dealing with technology through money is a different game to dealing with money through technology. However, as Chris Skinner writes, the two are merging in an intriguing way.

The ongoing collaboration between banks and fintechs presents an opportunity for financial institutions to rethink and update their offerings in 2019, by bringing them into real time – as innovators in the southern hemisphere are already doing, says Chris Skinner.

The new bank era has arrived – and entails learning to code, creating digital structures and closing branches.