Technology has become an essential component of banks and one that needs rigorous oversight. So why, asks Chris Skinner, are there so few tech experts on bank boards? 

Banks were underprepared for Open Banking, but, asks Chris Skinner, will this bring fresh opportunities for fintechs?

Just when you got the hang of blockchain, along comes quantum computing to shake things up again. But it is not time to panic yet, says Chris Skinner.

Ignore the naysayers: cryptocurrencies are more than just a passing fancy, says Chris Skinner.

The tough regulation of banks is essential to maintain trust in the sector and is one element fintech firms could find weighs on their innovation as they get more established and are required to comply, says Chris Skinner.

Contrary to popular belief, banks are capable of adapting to change. They need to recognise that the mobile wallet requires a savvy response, writes Chris Skinner.

Distributed ledger technology is still confusing people, largely because it is still at an early phase. Once it matures and regulators agree on standards, the benefits will become clearer – but it will take time, says Chris Skinner.

Doing a number of things to an average standard is no longer tenable for banks. They need to jettison legacy systems and old thinking, and embrace multiple partnerships with fintechs that do one thing brilliantly – or face obsolescence. By Chris Skinner.

Many banking executives believe that 'going digital' begins and ends with a mobile app – but it involves much more fundamental change, writes Chris Skinner.