Latest articles from Comment

Embracing digital change involves thinking beyond the app

August 28, 2017

Many banking executives believe that 'going digital' begins and ends with a mobile app – but it involves much more fundamental change, writes Chris Skinner.

Make up a business case – the funding will follow

July 3, 2017

Banks love innovation but hate risk, which is why they spend so much on outside consultants. So how do you get round this and get funding for your project? With a bit of creativity, says Chris Skinner.

The financial model with youth on its side

May 2, 2017

While Western banks are struggling with decades-old systems, growth economies and emerging markets are building their future on mobile, says Chris Skinner.

How fit is your bank for inevitable change?

April 3, 2017

The financial marketplace is changing rapidly: it’s all based upon apps, application programming interfaces and analytics. But some banks remain blissfully ignorant of what is ahead, says Chris Skinner.

PSD2 flaws show a rethink is needed on data sharing

February 27, 2017

The new EU Payment Services Directive for banks to share customers’ data with other companies is fraught with unmitigated risks surrounding consent, security and liability, argues Chris Skinner.

Too little, too late... Have banks missed the digital drive?

February 1, 2017

Cloud-based technology is enabling the cheaper creation and development of businesses via APIs – and regulators are keen for banks to get on board the efficiency bandwagon, writes Chris Skinner.

Bridget van Kralingen teaser

Bridget Van Kralingen: the collaborative solution to regulatory compliance

January 3, 2017

New technologies, such as cloud, cognitive computing and blockchain, look to radically change the role of the regulator and drive down the cost of compliance for banks. 

Simplicity, design, analytics, experience: the keys to 'going digital'

January 1, 2017

A little less complexity and a lot more contextual commerce could take digital banking in the right direction.

How data can be used internally to prevent staff going 'rogue'

October 1, 2016

Banks can avoid 'rogue' behaviour by their employees by repurposing the technology already used for customer data to monitor staff exposures. Chris Skinner explains.

The brave and brilliant new world of Fintech 3.0

August 30, 2016

Banks have learned that when it comes to fintech, if you can't beat them, join them, says Chris Skinner.

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