What do we mean by 'skin'?
A skin is the appearance layer of a block.
Skins are built on HTML, CSS and Javascript and they are fully customizable.
Each page is built with blocks (see What do we mean by 'block'?) and you will have to apply a skin to each of them. When you add a block to a page, you have several native skins available that can be used directly or customized using HTML, CSS, and Javascript.
With Banana you can create a multitude of skins and the skins you create adapt to the web style. As a user, you will be able to save your skins and reuse them in other projects.
Check How to add a skin if you want to know more.