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Digital Bank by Chris Skinner

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“Chris’s theorem of why digital banking is not only here to stay, but critical to the survival of the retail bank as we know it, starts with some pretty basic assertions, but is backed up with his usual scholarly approach. Chris compares the likes of Apple and other industries and businesses that have adapted to digital by taking a revenue-led and customer-led approach to reform and innovation. He starts off by saying we have to wipe the slate clean.

“The key problem for retail banks right now is that they don’t capture revenue effectively through mobile, web, tablet and other channels like most other industries. While there is a role for the branch moving forward as Chris points out, the bias that exists in serving and selling to a customer ...

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