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Digital Bank by Chris Skinner

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DIGITAL BANKS ARE STILL BANKS

Ever since the Internet first appeared, we have believed that new forms of commerce would emerge and take over from the old way of doing things. They have, of course, only not in banking. Yes, the banking system has changed over the last three decades—just look at how we are all now running around with mobile banking apps—but the competitive landscape has not.

That is a controversial statement in itself, but it is a fundamental one as, when I look at today’s landscape of banking, it is not dramatically different from the market of the 1980s. It has new channels—call centre, Internet and mobile—and it has new structures—nearshore, offshore and cloud—but the point I am really getting at is that the core competitors ...

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