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Shaping the future of finance

Digital Bank

Reboot the bank’s boardroom NOW!

Bye bye banking job for life Many of the banking folk I meet have been with the bank as man and boy, woman and girl.  It’s a job for life.  Funnily enough, I’ve never known one of those jobs.  I guess it’s because I work in tech, and many of the tech firms I’ve worked…

Which digital currency will win: bitcoin or ether?

I’m a big fan of Kraken, the digital currency exchange in California, as it’s my main exchange for investing in digital assets.  If you want to know more, checkout their general overview at the end of this blog.  I’m also a fan of their blog, which regularly sends me interesting stuff and they’ve just launched…

If the internet giants are the competition, are banks ready to compete?

Mid-way through #money2020 and in my fourth back-to-back chat about Fintech and leadership and core systems renewal and machine learning and and and … I am suddenly taken back to my roots.  My roots are firmly in data.  I guess that’s because I started in technology looking at office automation and workflow, process re-engineering and…

Jack Dorsey, Vitalik Buterin, Chris Skinner and all things #Money2020

It’s the end of the first full day of Money 20/20 2016, and it’s been a mixed day starting with a surprisingly packed room for my discussion with Moven, Simple and ING about digital banking. The story of the fish seemed popular (see last week’s blog). Banks are like this fish. @Chris_Skinner #Money2020 pic.twitter.com/iHsR6PiQY7 —…

Four banking business models for the digital age

I spotted a lengthy, but very insightful post, on LinkedIn the other day by Ben Robinson, Chief Strategy and Marketing Officer for Temenos.  I don’t usually highlight such pieces, but felt this worth replicating here, and Ben kindly agreed.  Enjoy … Four banking business models for the digital age Digitization of the banking industry is…

300 years and still going strong?

A final comment on leadership for digital transformation.  I was in a conversation with a bank yesterday when, half way through, the senior chap there said “look Chris, we’re a 300-year-old institution, things change but not that fast”. 300 years old. Wow. They were actually established in the 1600s. That was just after the Great…

Where is the bank’s digital vision?

It’s intriguing to find more and more banks creating digital heads.  I meet them regularly, I’m the digital head of retail banking; I’m the digital head of retail business banking; I’m the digital head of the investment bank; I’m the digital head of our transaction banking business; I’m the digital head of our commercial bank;…

Banks’ burning platform is obvious

My presentations change every day, but I got a great new slide to illustrate the burning platform that banks sit upon.  This is the one I was blogging about yesterday, and the one area I blog about incessantly (so much so that I bore myself). But there is a burning platform in all banks, and it’s…

The cynical bankers’ trick: show me the money

I’ve spent decades preaching transformation and the easiest way to shut me up is ask: Where’s the business case? This is the question normally asked by the mealy-mouthed cynical financial controlling banker in the audience … They want the spreadsheet showing the cost-benefit analysis and return on investment figures.  The problem is that, as anyone…

Who owns the customer in the internet of things?

I’ve been talking the internet of things for a while as, after all, The ValueWeb is the internet of value that underpins the internet of things. A key concept of the internet of value is how it supports your television, car, fridge, shoes, phone, computer and your partners’ and chidlrens’ things to buy and transact. …

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