Banks Embrace Intelligence To Drive Trust

In a book due this summer, Skinner argues banking is entering an "intelligence era" that moves beyond digital to AI-driven insight, prediction, and delegated decision-making. He warns banks must consolidate data, embed AI across touchpoints, and rebuild trust via zero-trust and tokenized identity to avoid systemic fraud and irrelevance. The book outlines practical architecture and organizational shifts for banks to become intelligent, customer-centered platforms.