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Barrie's blog archive

2019 (5)
Barrie Wilkinson

Barrie Wilkinson

Partner at Oliver Wyman
Message Message me Posts: 5 Comments: 4
Bio Currently head up our firm's digital efforts with a particular focus on building and launching new businesses (particularly digital banks) Career History 25 years at Oliver Wyman. Specialist in Financial Services. Spent many years leading our Finance & Risk practice so also have a good grounding in how to build a bank that meets regulators expectations as it grows and can survive more than one or two business cycles.


Digital Banking Trends

Liberated by Libra - the social media currency

25 Jun 2019

Liberated by Libra - A virtual history It’s the year 2030, ten years after the controversial launch of social media currency Libra. Few people could have anticipated at the time what a central role the new currency would play in world events over that decade. What’s in a name? In the build-up to the launch people were not sure what to call this new...


Digital Banking Trends

To lend or not to lend . . .

24 Jun 2019

. . . that is the question for digital challenger banks. If you look at the revenue breakdown of a traditional retail or commercial bank, 80%+ of the revenue comes from the net interest margin (NIM) on loans and deposits. And in Europe with the NIM on deposits being close to zero, this means that the vast majority of revenue comes from lendi


Digital Banking Trends

The Agnostic Bank Branch

12 Jun 2019

Purely digital expertise is too easy to clone and almost impossible to maintain as a source of competitive advantage. Today’s post argues that banks will need to combine their physical and digital capabilities to create a sustainable advantage and a re-invention of the bank branch is the right place to start. My basic idea is to have banks make al...


Digital Banking Trends

Rewiring your bank

30 Apr 2019

Continuing our recent theme of helping big complex companies to increase their agility, today I’m going to talk about some practical steps banks can take to simplify their technology architecture to make future change easier to manage. To be clear, I’m not talking about building a new bank in this post, I’m talking about simplifying the technology...