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Digital Bank by Chris Skinner

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INTRODUCTION

I’ve called this book Digital Bank. I did want to call it Data Wars but this book is about banking. Nevertheless, calling it Data Wars would have made more sense. This is because the book is about the battle for the future of banking, which is all about data. In fact, it is already about data, it’s just that some banks are yet to realise this. I find this somewhat surprising as the battle over bank data has been bubbling away for over thirty years.

Around thirty years ago, a visionary bank CEO articulated what we all knew then but many dared not say: “Banking is just bits and bytes.” John Reed, the then chief executive of Citibank, is credited with this quote and over the past three decades we have seen the import of this statement ...

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