1. Why is everyone so hung up about
payments when no-one pays for
anything anymore?
@Chris_Skinner

3. Becoming Digital is the challenge for all, as customers demand new
services focused upon 21st century technologies. The challenge is
that most of us are stuck with systems built in the last century.
In this age of the mobile internet, where cloud computing allows
anyone to scale from small to big data and back again, we are all
wondering what to do to evolve our businesses to this new model of
servicing and processing.
This book provides the answers for a Digital Bank strategy through
the insights of one of the markets leading practitioners providing
case studies, knowledge and opinion in order to show the way
forward.
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.
“Chris Skinner is simply one of the most brilliant minds in
banking, and he’s always an entertaining read.” The Financial Brand
commentary when awarding Chris Skinner’s blog the Reader’s Best
Banking Blog Award

4. 1973 1983
1993 2003
1963
2013

5. 1973 1983
1993 2003
1963
2013

6. 1973 1983
1993 2003
1963
2013

15. It took 13 years to get two million customers
using Internet banking; it took just two months
to reach that number for mobile banking.
[Barclays Bank]
It took 10 years to get twenty million contacts
per month through Internet banking. It took 18
months for mobile. [Société Générale]

20. Video 1 - Square

26. Video 2 - Nymix

33. Over 80 percent of Tencent’s revenue comes from value-added services that
users pay for using QQ coins ( , Bì) QQ’s virtual currency. Tencent
introduced QQ coins in 2002, and the currency has since become the main
driver of China’s virtual goods market, valued at about US$5 billion in 2009.

34. Money
is just

39. Mark Zuckerberg (facebook)

40. Mark Zuckerberg (facebook, 2009)

41. Mark Zuckerberg (facebook, 2012)

42. Randi Zuckerberg (instagram, 2012)

45. Aaron Barr (HB Gary)

50. More than 2,500,000,000,000,000,000 bytes of data (2.5 exabytes) are produced
every day:
• People send more than 144.8 billion Email messages sent a day.
• People and brands on Twitter send more than 340 million tweets a day.
• People on Facebook share more than 684,000 bits of content a day.
• People upload 72 hours (259,200 seconds) of new video to YouTube a minute.
• Consumers spend $272,000 on Web shopping a day.
• Google receives over 2 million search queries a minute.
• Apple receives around 47,000 app downloads a minute.
• Brands receive more than 34,000 Facebook ‘likes’ a minute.
• Tumblr blog owners publish 27,000 new posts a minute.
• Instagram photographers share 3,600 new photos a minute.
• Flickr photographers upload 3,125 new photos a minute.
• People perform over 2,000 Foursquare check-ins a minute.
• Individuals and organizations launch 571 new websites a minute.
• WordPress bloggers publish close to 350 new blog posts a minute.
• The Mobile Web receives 217 new participants a minute.

52. The entire works of William Shakespeare
(in text form)
= 5 MB of data
= 500 billion Works of Shakespeare a day

53. Finding
value in
the Data

54. RUBBISH
WORTHWHILE
IMPORTANT
CRITICAL
25 exabytes Valuable
200 zetabytes Erroneous
SECURE

55. Secure

58. Chris Skinner
Email:
chris.skinner@fsclub.co.uk
Website:
www.fsclub.net
Blog:
www.thefinanser.com
LinkedIn:
Chris Skinner
The Financial Services Club
Facebook Page:
Chris Skinner
The Financial Services Club
Twitter:
@FSClub
@Chris_Skinner