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Digital Bank

Banks’ leadership teams are fatally flawed

I was chairing a conference with various speakers, when Gartner Group stood up and talked about their annual bank survey.  They found that of the senior bankers surveyed, 76% don’t believe that digitalisation will affect their business model. Gartner found 76% of banks don’t believe their business model has to …

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The legacy clock is ticking

Further to my recent trip to Pakistan Business Recorder (their version of The Financial Times) interviewed me in depth about what is happening in FinTech.  Here’s what they published: ‘The clock is ticking for Pakistan’s legacy banks,’ Chris Skinner, global fintech expert An independent commentator on financial markets and fintech through his blog, the …

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What a load of COBOLx

I was inspired to think more about the legacy challenge in the legacy economies when I saw this article by the inimitable Anna Irrera (she’s worth following if you’re on twitter).  She was lamenting the state of US bank systems and how they’re hiring retired programmers just to keep the …

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Digital is in our DNA

When you have your basic needs covered – food and shelter – what do you need then?  According to Maslow’s hierarchy of needs, it’s our psychological needs – love, belonging, self-esteem. This is exactly where digital plays into our hearts.  Our love and belonging is in Facebook and Baidu, which …

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