Banks need to rethink their positions in the whole customer supply and value chain.
Latest articles from Chris Skinner

Banks are becoming bitcoin banks whether they like it or not
June 4, 2021Banks are facing a revolutionary undertow that is dragging them towards a decentralised financial future.

Fintech is reaching areas banks could never reach
May 10, 2021While the internet has the potential to include everyone in the world, fintech can improve access to finance.

The radical restructuring to be digital
April 15, 2021During the past year, the world has witnessed a sea-change in banks’ approach to both cloud and cryptocurrencies.

What does cashless really mean?
April 1, 2021Mass shift to digital financial services during Covid-19 has called into question the longevity of ATMs and branches.

Should a bank have more technologists than Microsoft?
March 1, 2021Big banks appear to be confusing quantity with quality when it comes to tech headcount.

‘Omniaccess’ is the strategic imperative for banks in the 2020s
January 29, 2021Banks must move from the mindset of being digitally available to digitally native if they want to keep fighting fit in the future.

The platform of platforms
January 4, 2021Disruption in the financial services industry has reached a new level of maturity.

What’s a dollar worth?
December 1, 2020The move to digital should have driven down banks’ cost-to-income ratios, so why have they improved so little?

Is UK banking about to fall off a cliff?
November 2, 2020Brexit 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.