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Digital Bank

The friction of the old versus new models of finance

Everything is moving from C2C via B2B to P2P.  I hate all those TLAs, but it puts the context of what’s occurring in our world quite nicely.   The core of this change is articulated best by the bitcoin community who believe we do not need a trusted third party to exchange value these days.  The…

In-Code-We-Trust

Banking is going through a sea change … can the tanker turn around?

I noted the disconnect between the bank community and the technology community sometime ago in my Red Pill moment, and as the year passes it becomes more and more obvious to me that we are going through a sea change in finance. Almost every day, I encounter a new start-up who wants to change some…

Lloyds

The three things you need to be a Digital Bank

As mentioned last week, I delivered a keynote at the DreamForce conference.  As it has been shared online, I’ll share it here. The slides … Digital bank latest – october from Chris Skinner The video (my bit starts at 10m33s) … If you can’t see it easily, the summary is this (taken from the review…

The three things you need to be a Digital Bank

As mentioned last week, I delivered a keynote at the DreamForce conference.  As it has been shared online, I’ll share it here. The slides … Digital bank latest – october from Chris Skinner The video (my bit starts at 10m33s) … If you can’t see it easily, the summary is this (taken from the review…

Maybe it’s not so Simple, after all

For some time, I’ve banged on about banks must redesign for a digital core.  It’s no longer a world that can live in a batch overnight update, when real-time everything is here. This has been shown again and again by outages, and all of the incumbent banks are struggling to move from old world to…

US Digital Bank Book Launch

We are launching Digital Bank officially in the USA over the next few weeks. September 23rd (Tuesday) in New York; October 2nd (Thursday) in Boston; and October 14th (Tuesday) in San Francisco. If any of my American readers want to come, the official invite is below and just contact us to request attendance. Tuesday 6:00 – 8:00 PM…

Chris Skinner: Digital Bank, part of FinTech Week

Digibank: the next generation of banking

I'm having this conversation about what a digital bank is all about and suddenly a light switches on. This light goes to the core of why I keep saying that digital banks are built upon digital infrastructure, and not an evolution of channels to be another one built upon existing infrastructure. The light bulb moment…

Financial Institutions Unprepared For Digital Future

My good friend Jim Marous who recently joined The Financial Brand, asked me to make a comment about this new report from Bain. It’s not a bad report and is a slight improvement on this one from McKinsey on The Rise of the Digital Bank, but it’s not as strong as what you will hear from leading digital innovators. …

Britain: leading the way in digital banking

As the author of a book called Digital Bank, a headline that reads Brits embrace digital banking cannot be ignored. Sure enough, it’s the publication of the British Banker’s Association’s report The Way We Bank Now, the second report analysing the move to phone and online banking by the great British public. This year it…

wwbn-animation-newtimings

“To Branch Or Not To Branch” is the wrong debate

Over the weekend, the Chief Executive of the British Banker’s Association, Anthony Browne, announced that the traditional bank branch is dead. Writing in The Sunday Telegraph, Browne states that the halcyon days of olden banking is a misnomer.  It was far more difficult to deal with banks pre the digital era, as you were restricted…

MBank loan1

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