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Digital Bank: Strategies to launch or become a digital bank

Author : Chris Skinner

Publisher : Marshall Cavendish International Asia Pte Ltd

Page : 275 pages

File Size : 38,52 MB

Release : 2014-05-15

Category : Business & Economics

ISBN : 9814561800

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Book Description

Digital Bank tracks the innovations in banking and how the mobile internet is changing the dynamics of consumer and corporate relationships with their banks. The implication is that banks must become digitised, and that is a challenge as becoming a Digital Bank demands new services focused upon 21st-century technologies. 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 in the UK and mBank in Poland, as well as new start-ups such as Metro Bank and disruptive new models of banking such as 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 best known as an independent commentator on the financial markets through the Finanser (www.thefinanser.com) and Chair of the European networking forum The Financial Services Club, which he founded in 2004. He is the author of ten books covering everything from European regulations in banking through the credit crisis to the future of banking, and is a regular commentator on BBC News, Sky News and Bloomberg about banking issues. More can be discovered about Chris here: http://thefinanser.co.uk/fsclub/chris-skinner/



Digital Human

Author : Chris Skinner

Publisher : John Wiley & Sons

Page : 218 pages

File Size : 15,73 MB

Release : 2018-04-16

Category : Business & Economics

ISBN : 1119511909

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Book Description

Digital is far-reaching and ubiquitous - everything you know is about to change. We are living in the fourth age of humanity. First, we became human. Then we became civilized. The third age saw the creation of commerce. Now, we are becoming digital. Technology has changed the way we communicate, trade, and transact, with repercussions extending far beyond our personal spheres. Digital Human is a visionary roadmap for the future, a timely guide on how to navigate the world of finance as we create the next generation of humanity. It explores the digital evolution's impact and offers clear insights on thriving in this new era. Human and business relationships are evolving, and existing businesses must undergo substantial transformative changes to compete with the smaller, "lighter," and more agile companies that are able to quickly maneuver to match shifting consumer demands. A lack of online presence has become unthinkable, as consumer preferences continue to trend heavily toward online business and transactions—is your company equipped to thrive in this new era? While there is no definitive guide to this new reality, this insightful resource provides the starting point and roadmap to digital success in the financial services arena, covering aspects such as: Digital is not merely a “bolting on” of technology to produce results faster and cheaper, but a complete rethinking of common business practices and notions of efficiency and customer engagement Rethinking business starts with the customer - new business models are constructed entirely around this single, guiding principle A digital business model is all about connectivity, with front-office apps tied in to both back-office analytics and marketplaces with many players and segments Businesses must open their operations to this marketplace of players through APIs, necessitating a conversion of many core systems Central business and technology systems must change to adapt to new market entrants and new technologies that range from AI for back-office analytics to Distributed Ledger Technology (DLT) for global operations Leaders must rethink their businesses to be fit for the future digital age, and this comprehensive resource shines a spotlight on the key elements to this transformation.



Doing Digital: Lessons from Leaders

Author : Chris Skinner

Publisher : Marshall Cavendish International Asia Pte Ltd

Page : 381 pages

File Size : 36,72 MB

Release : 2020-03-02

Category : Business & Economics

ISBN : 9814893056

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Book Description

There has been lots of discussion of digital and open banking, banking-as-a-service, banking platforms, FinTech and TechFin and more over the past decade. This all indicates that we are in a decade of rapid cycle change that presents huge challenges and huge opportunities. Billion dollar unicorns appear rapidly, whilst internet giants achieve global domination. How are banks dealing with these changes and are any banks showing leadership? Well yes, a few are. With all the gloom merchants saying that traditional banking is doomed, a few banks have made radical moves to adapt and survive. Chris Skinner, world-leading commentator on banking and technology, has selected five of those banks—JPMorgan Chase (USA), BBVA and ING (Europe), and DBS and CMB (Asia)—to share their experiences. In detailed interviews, and with wide-ranging commentary, he has discovered the secrets of how not just adapt and survive, but how to thrive in this sea change of finance and technology. Learn the lessons of the leaders, and learn how to become a successful digital bank, by Doing Digital.



ValueWeb

Author : Chris Skinner

Publisher : Marshall Cavendish International Asia Pte Ltd

Page : 462 pages

File Size : 30,37 MB

Release : 2016-01-15

Category : Business & Economics

ISBN : 981475109X

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Book Description



Pricing and Hedging Interest and Credit Risk Sensitive Instruments

Author : Frank Skinner

Publisher : Elsevier

Page : 389 pages

File Size : 16,76 MB

Release : 2004-10-29

Category : Business & Economics

ISBN : 0080473954

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Book Description

This book is tightly focused on the pricing and hedging of fixed income securities and their derivatives. It is targeted at those who are interested in trading these instruments in an investment bank, but is also useful for those responsible for monitoring compliance of the traders such as regulators, back office staff, middle and senior lever managers. To broaden its appeal, this book lowers the barriers to learning by keeping math to a minimum and by illustrating concepts through detailed numerical examples using Excel workbooks/spreadsheets on a CD with the book. On the accompanying CD with the book, three interest rate models are illustrated: Ho and Lee, constant volatility and Black Derman and Toy, along with two evolutionary models, Vasicek and CIR and two credit risk models, Jarrow and Turnbull and Duffie and Singleton. These are implemented via spreadsheets on the CD.* Starts at an introductory level and then develops advanced topics * Provides plenty of numerical examples rather than mathematical equations to aid full understanding of the strengths and weaknesses of all interest rate derivative models* Can be used for self-study - a complete book on the topic, which includes examples with answers



Science And Human Behavior

Author : B.F Skinner

Publisher : Simon and Schuster

Page : 484 pages

File Size : 35,2 MB

Release : 2012-12-18

Category : Psychology

ISBN : 1476716153

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Book Description

The psychology classic—a detailed study of scientific theories of human nature and the possible ways in which human behavior can be predicted and controlled—from one of the most influential behaviorists of the twentieth century and the author of Walden Two. “This is an important book, exceptionally well written, and logically consistent with the basic premise of the unitary nature of science. Many students of society and culture would take violent issue with most of the things that Skinner has to say, but even those who disagree most will find this a stimulating book.” —Samuel M. Strong, The American Journal of Sociology “This is a remarkable book—remarkable in that it presents a strong, consistent, and all but exhaustive case for a natural science of human behavior…It ought to be…valuable for those whose preferences lie with, as well as those whose preferences stand against, a behavioristic approach to human activity.” —Harry Prosch, Ethics



Bank 4.0

Author : Brett King

Publisher : John Wiley & Sons

Page : 359 pages

File Size : 46,44 MB

Release : 2018-12-17

Category : Business & Economics

ISBN : 1119506506

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Book Description

Winner of best book by a foreign author (2019) at the Business Book of the Year Award organised by PwC Russia The future of banking is already here — are you ready? Bank 4.0 explores the radical transformation already taking place in banking, and follows it to its logical conclusion. What will banking look like in 30 years? 50 years? The world’s best banks have been forced to adapt to changing consumer behaviors; regulators are rethinking friction, licensing and regulation; Fintech start-ups and tech giants are redefining how banking fits in the daily life of consumers. To survive, banks are having to develop new capabilities, new jobs and new skills. The future of banking is not just about new thinking around value stores, payment and credit utility — it's embedded in voice-based smart assistants like Alexa and Siri and soon smart glasses which will guide you on daily spending and money decisions. The coming Bank 4.0 era is one where either your bank is embedded in your world via tech, or it no longer exists. In this final volume in Brett King's BANK series, we explore the future of banks amidst the evolution of technology and discover a revolution already at work. From re-engineered banking systems, to selfie-pay and self-driving cars, Bank 4.0 proves that we're not on Wall Street anymore. Bank 4.0 will help you: Understand the historical precedents that flag a fundamental rethinking in banking Discover low-friction, technology experiences that undermine the products we sell today Think through the evolution of identity, value and assets as cash and cards become obsolete Learn how Fintech and tech "disruptors" are using behaviour, psychology and technology to reshape the economics of banking Examine the ways in which blockchain, A.I., augmented reality and other leading-edge tech are the real building blocks of the future of banking systems If you look at individual technologies or startups disrupting the space, you might miss the biggest signposts to the future and you might also miss that most of we've learned about banking the last 700 years just isn't useful. When the biggest bank in the world isn't any of the names you'd expect, when branch networks are a burden not an asset, and when advice is the domain of Artificial Intelligence, we may very well have to start from scratch. Bank 4.0 takes you to a world where banking will be instant, smart and ubiquitous, and where you'll have to adapt faster than ever before just to survive. Welcome to the future.



The Future of Banking

Author : Chris Skinner

Publisher : John Wiley & Sons

Page : 210 pages

File Size : 43,25 MB

Release : 2007-04-30

Category : Business & Economics

ISBN : 9780470512852

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Book Description

The world of banking is changing dramatically as a result of regulation, technology and society. New developments in the past three years include advances in regulatory change, the impact of China and India; from the latest technologies to impact bank services, to the latest experiments with a cashless society. The Future of Banking in a Globalised World provides an entertaining yet informative look at the world of banking and chronicles the radical changes that have occurred in the industry over the past three years. Renowned analyst and international speaker, Chris Skinner assesses the trends that have occurred during the past three years and looks at predictions for the future of banking. Issues discussed include: • The impact of emerging markets such as China and India • Regulatory changes including Europe’s Financial Services Action Plan, MiFID, SEPA, as well as the impact of Basel II and Sarbanes-Oxley • The latest technologies to impact Bank services from algorithmic trading through Web 2.0 • The displacement of Cash and Cards through Contactless, Mobile and Biometric Payments



The Psychology of B F Skinner

Author : William O′Donohue

Publisher : SAGE Publications

Page : 298 pages

File Size : 32,99 MB

Release : 2001-03-15

Category : Psychology

ISBN : 1506317782

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Book Description

"The authors provide a concise overview of the basic principles and methods used by modern behavior analysts, as well as a thorough discussion of the difference between reward and reinforcement and elicited and emitted behavior." —THE PSYCHOLOGICAL RECORD "O′Donohue and Ferguson provide an exceptionally clear picture of the breadth, scientific importance, and value to society of the work of the late B.F. Skinner. They include reasons that his work has been criticized and misunderstood. A substantial index, an attractive cover and typeface, and a readable style are bonuses to this exceptionally well-researched, accurate, and fair description of Skinner′s work. All collections."— CHOICE In The Psychology of B. F. Skinner, William T. O′Donohue and Kyle E. Ferguson not only introduce the life of one of the most influential psychologist of the past century but also put that life into historical and philosophical context. In so doing, they illuminate Skinner′s contributions to psychology, his philosophy of science, his experimental research program, and the behavioral principles and applied aspects that emerged from it. They also rebut criticism of Skinner′s work, including radical behaviorism, and discuss key developments others have derived from it. Behaviorists, or more precisely Skinnerians, commonly consider Skinner′s work to have been misrepresented, misunderstood, and, to some extent, even defamed. The authors take great care in accurately representing both the strengths and the weaknesses of his positions. They also attempt to correct misinterpretations of his work. Finally, they guide students through Skinner′s theories and demonstrate their applications and usefulness via extensive examples and illustrations.



Skinner's Drift

Author : Lisa Fugard

Publisher : Penguin UK

Page : 331 pages

File Size : 31,5 MB

Release : 2013-03-07

Category : Fiction

ISBN : 0670923575

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Book Description

Lisa Fugard's Skinner's Drift is a beautifully written début that reveals the secrets and violence buried beneath the earth of a South African farm. Skinner's Drift, lying amongst the sandstone rocks of the eastern borders of South Africa, beside the snaking bed of the Limpopo River, was Eva Van Rensburg's home. As a young girl she would range through its mopane trees at night, hunting jackals with her stammering father. But as soon as she grew up, Eva fled the farm and has not returned for more than ten years. Now, as her father lies dying in hospital with only his claustrophobic sister for company, Eva must go back to confront her family and remember the beauty, and the horror, of her life on Skinner's Drift. Praise for Skinner's Drift: 'A wonderfully brave novel - unflinchingly and lovingly written. It is books like this - books that shake the dust out of our heads and hearts - that allow us all to understand our past slightly better and walk forward more confidently' Alexandra Fuller 'An achingly beautiful book' Monica Ali 'Fugard wonderfully captures the swift rivers of change in which contempt and fear, resentment, righteousness and loyalty churn in one unending torrent' Daily Mail Lisa Fugard grew up in South Africa and now lives in the desert of Southern California with her husband and young son. Her short stories have been published in magazines and literary journals and she has written many travel pieces for the New York Times. Skinner's Drift is her first novel.