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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 th...
. . . 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 (
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 cap...
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 m...
Banks’ attempts to “digitize what they have” isn’t going to work. They need to massively reduce the scope and complexity of what they are involved in first. Then digitize. Then grow. Banks are like Cr...