Richard M. answered 04/10/21
Well-Travelled Photojournalist
I think it is both.
There is skill involved in getting the basics right - that is framing an image, making sure your exposure is correct and you don't have camera shake.
But the final picture can be art - a glorious sunrise or sunset, slow-motion blurred people, a well-lit portrait.
Photos can also be fine art when you take an idea and push it as far as you can in your camera.