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Digital Bank

Incumbent banks are not sleeping … they’re planning

I find it interesting that so many commentators write about banks being head-in-the-sand ostriches, ignoring the need to close branches and being slow to innovate. I DISAGREE! Banks are slow to change, but they are not slow to innovate. Banks in many economies can see the decline in branch usage and are actively closing branches…

Becoming a Digital Bank: Evolution or Revolution?

A question that comes up regularly is should the bank evolve to a new digital model, or does it need to bite the bullet and transform? Evolution or revolution? That’s a question that only the bank’s CEO and management team can answer, and needs to consider: the current state of the bank; its ability to…

Amazon vs IBM, Google vs BMW … digital disrupts everything

I’ve not been surprised by disruptions in industries like music, movies, books and travel.  All of these things can be digitised and have been.  Music has been disrupted three times: first illegal downloads with Napster; then with legal downloads through iTunes; and now who needs downloads when you can stream with Spotify (which is why…

IBM

Digital Bank (revised) is released today

Last October I published Digital Bank via Amazon. I was pretty pleased with it, and it got some good reviews: “I can honestly say this is one of the best books that I've read on the subject matter around what constitutes banking in the present, past and future.” David Brear, Digital Banking Director, Gartner Group  “I…

Apple

Digital Bank (revised) is released today

Last October I published Digital Bank via Amazon. I was pretty pleased with it, and it got some good reviews: “I can honestly say this is one of the best books that I've read on the subject matter around what constitutes banking in the present, past and future.” David Brear, Digital Banking Director, Gartner Group  “I…

Apple

Digital Finance is not the same everywhere

I’ve just been doing a roadshow of events that focus upon Digital Finance with Sitecore, a software development company focused upon digital customer experiences. During the roadshow, they’ve been presenting research in the four countries of focus – Finland, France, Italy and Poland – of how electronic channels and customer relationships are changing. The research…

Sitecore

Digital Finance is not the same everywhere

I’ve just been doing a roadshow of events that focus upon Digital Finance with Sitecore, a software development company focused upon digital customer experiences. During the roadshow, they’ve been presenting research in the four countries of focus – Finland, France, Italy and Poland – of how electronic channels and customer relationships are changing. The research…

Sitecore

AML prevention lies in digital identities: the new form of money

After yesterday’s post about KYC, PEPs and AML, someone said: “so what’s the point Chris?” @FSClub not quite sure of the point you are making here. Money L bad. Hard to catch. Harder if not in official channels. It was ever thus? — Julian Lee (@JulianDDLee) May 8, 2014 The point of yesterday’s blog was…

Banking-as-a-Service, five years later

In a final note on the Digital Bank Transformation, I return to a theme I’ve explored a few times (from Banking-as-a-Service to APIs and apps). The core of the model of banking is represented in various ways, but I encapsulate it as three companies in one: a retailer that has customer intimacy; a processor that…

Decomponentisation

Banking-as-a-Service, five years later

In a final note on the Digital Bank Transformation, I return to a theme I’ve explored a few times (from Banking-as-a-Service to APIs and apps). The core of the model of banking is represented in various ways, but I encapsulate it as three companies in one: a retailer that has customer intimacy; a processor that…

Decomponentisation

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Chris Skinner
Commentator, CEO of The Finanser and best-selling author at The Finanser

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