The banking industry stands at an inflection point that few institutions fully grasp, according to veteran financial technology analyst Chris Skinner, whose latest insights from his new book "The Intelligent Bank" suggest the sector has moved beyond debating digital transformation to actually living through an intelligence revolution. Speaking at a keynote this week ahead of his book's official launch in China next week, Skinner articulated a fundamental shift in how the industry should frame its technological evolution. The conversation has moved past whether banks should digitize their operations—that battle has been won. Instead, the pressing question now centers on how financial institutions can harness artificial intelligence and machine learning to create truly intelligent banking systems that anticipate customer needs rather than merely responding to them. The timing of Skinner's book launch in China reflects the strategic importance of Asian markets in driving banking innovation.…