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Becoming a Digital Bank is the challenge for all banks as customers demand new services focused upon 21st century technologies. The challenge is that most bank systems are stuck in the last century. None of this is easy, and changing the bank's core systems to become a truly Digital Bank is the hardest challenge of all. This is because the reinvention of last century technologies to new platforms with total reliability, security and resilience, is a stretch for everyone. It makes it hard for traditional banks to compete in this new space, and allows many new and nimble firms to enter the banking markets and steal market share by exploiting new technologies, specifically the mobile internet. In this new age of the mobile internet, where cloud computing allows anyone to scale from small to big data and back again, we are all wondering how to evolve our businesses to this new model of servicing and processing. In fact, many of us are wondering what the new model of banking will be. What does it all mean; how do shape the vision; who are the people providing leadership; and where can you find out more? This book tries to answer all of these questions, with one of the markets leading practitioners providing insights, case studies, knowledge and opinion in order to show the way forward and is based upon the extensive writing of Chris Skinner. Digital Bank not only includes extensive guidance and background on the digital revolution in banking, but also in-depth analysis of the activities of incumbent banks such as Barclays and new start-ups such as Metro Bank in the UK, as well as disruptive new models of banking such as Alior Bank in Poland and FIDOR Bank in Germany. Add on to these a comprehensive sprinkling of completely new models of finance, such as Zopa and Bitcoin, and you can see that this book is a must-have for anyone involved in the future of business, commerce and banking. Recommendations for Digital Bank include: "I think Chris has added tremendously to the conversation with this book and I highly recommend it." Brett King, Author of Bank 2.0 and founder of Moven "In Digital Bank, Chris Skinner shows why he is considered the foremost financial industry scholar." Jim Marous, Senior Vice President at New Control "This is an up-to-the-minute look at the challenges banks face as the information age goes into overdrive." Michael Mainelli, Emeritus Gresham Professor of Commerce at Gresham College, London "There are very few people in the financial services industry who can cut through the complexities of the business to provide truly valuable insights." Debbie Bianucci, President and CEO of the Bank Administration Institute (USA) "If you really want to understand how the financial world is changing, you must read this book." Roy Vella, Mobile Services Expert, Speaker & Entrepreneur "He provides an invaluable guide to the changes we can expect to see in this fast-moving and vital industry, entertainingly illustrated with an array of fascinating case studies." Annie Shaw, Daily Express columnist and money expert for Radio London "Digital Bank is couched in clear, direct language that readers of all levels of expertise will find accessible." Kenneth Cline, Managing Editor, Banking Strategies "Whoever reads this book without swiftly moving to action, may regret it." Guido Poli, Head of Market Intelligence, Banca Monte dei Paschi di Siena "Chris is perhaps the first writer I know who successfully captures the pulse of the financial services industry not from a European or American, but from a truly global perspective." Emmanuel Daniel, Founder and Editor-in-Chief, the Asian Banker "Chris Skinner is simply one of the most brilliant minds in banking." Reader's comment, the Financial Brand
