Chris Skinner's blog

Shaping the future of finance

Digital Bank

The re-tail wagging the wholesale dog

I talked yesterday about digital banks underpinning corporate digitisation, but corporate digitisation is being driven by consumers. That’s a radical statement in itself with the most radical aspect being the consumerisation of technology.  That is the real change here, and this theme comes up at every conference I go to. This is because we all lament…

Wag tail

Digital banks support digital business

I talk a lot about how the digitisation of banking is changing the customer relationship, and this is as true for the corporate customer as the retail consumer. Examples are appearing everywhere of real-time access to cash netting and pooling, and immediate payments across borders and continents, but there are nuances to the beat of…

Digital banks support digital business

I talk a lot about how the digitisation of banking is changing the customer relationship, and this is as true for the corporate customer as the retail consumer. Examples are appearing everywhere of real-time access to cash netting and pooling, and immediate payments across borders and continents, but there are nuances to the beat of…

Banking basics for the digital age

As I finished presenting at a recent conference, an audience member came up to me and said: “I guess you don’t like banks very much, do you?” The question surprised me as I love banks.  I make my living from banks.  My only thought throughout each day is what’s next in banking. I said this…

Banking basics for the digital age

As I finished presenting at a recent conference, an audience member came up to me and said: “I guess you don’t like banks very much, do you?” The question surprised me as I love banks.  I make my living from banks.  My only thought throughout each day is what’s next in banking. I said this…

It’s a wonderful digital life … if you’re a digital disruptor

I recently had an epiphany.  It was not painful, but it was enlightening. The realisation occurred to me as I looked at this chart from Zopa: It’s an interesting chart, especially the hockey stick rise in funds transferred as the financial crisis hit, and relates to a recent headline in the Financial Times: “P2P group…

Zopa

It’s a wonderful digital life … if you’re a digital disruptor

I recently had an epiphany.  It was not painful, but it was enlightening. The realisation occurred to me as I looked at this chart from Zopa: It’s an interesting chart, especially the hockey stick rise in funds transferred as the financial crisis hit, and relates to a recent headline in the Financial Times: “P2P group…

Zopa

Digital Banks digitize … and think it’s done #fail

Last week, I mentioned that Digital Banks may be losing sight of the customer.  I then had another comment that spins a different angle on the debate: Digital Banks digitize … and think it’s done. This is another error in management thinking, but is fairly common with banks I deal with. They look at a…

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