Latest articles from Chris Skinner

Forget cashless and branchless, it’ll never happen

March 1, 2012

Despite calls for fewer bank branches and for less cash to be in circulation, branch numbers are on the rise in some countries. But why?

A profit focus may leave banks behind in innovation

February 1, 2012

With more innovative tools being introduced to banking, banks cannot afford to simply seek profits. If they do, they will get left behind.

The three-pronged approach to digitised banking

January 3, 2012

As digital banking takes a more central role in the industry, financial services companies should be better equipped for the future competitive battleground.

Move over mobile: why banks should acquire a taste for chips

December 1, 2011

Mobile banking may seem like it is at the cutting-edge of technology, but the real value is in the chip, not the mobile device itself, as it is the chip that can enable banks to analyse their customers' lifestyles.

Banks need to take a bite out of Apple

October 19, 2011

When looking for models to emulate, banks are better off picking Apple rather than Google – Apple, after all, has branches. 

Shaping tomorrow

October 3, 2011

Turmoil in the financial markets has shifted the focus of banks from growth and innovation to risk management. But with non-banks diversifying across the banking business, now more than ever it is essential that banks look for new ways to differentiate themselves from the competition and prove the value of the traditional banking outlet

Banking revolution? Don't hold your breath

June 30, 2011

For all the talk about revolutions in banking, nothing much has changed yet. But do the big banks have to change? For all the cost, investment, marketing, effort, hurdles and barriers new players have to get through, any serious competition seems unlikely.

Will mobile carriers leave the business of banking to banks?

June 1, 2011

As banking by mobile telephone takes off in the developing world, should banks be wary or welcoming of this progress?

Why banks should worry about Amazon, Google, Facebook, et al

May 4, 2011

Banks agree that data is key to the growth of their business but they are being outclassed in its usage by companies that grew up on the internet.

Why mobile is banking's most important challenge

March 22, 2011

Recent advances in mobile technology may be exciting, but the real focus for the future of mobile payments is the chip. 

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