Latest opinions that Barrie Wilkinson has shared on Finextra

Join the Community

23,999

Expert opinions

40,624

Total members

318

New members (last 30 days)

197

New opinions (last 30 days)

29,268

Total comments

Join Sign in

Barrie Wilkinson

Member since

16 Apr 2019

Location

View Barrie Wilkinson's full profile

Barrie's opinions

Liberated by Libra - the social media currency

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...

25 June 2019 Digital Banking Trends

To lend or not to lend . . .

. . . 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

24 June 2019 Digital Banking Trends

The Agnostic Bank Branch

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...

12 June 2019 Digital Banking Trends

Rewiring your bank

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...

30 April 2019 Digital Banking Trends

Get Humble. Get Digital. Get Growth.

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 Cruise Ships Traditional banks have a lot in common with large cruise ships. They have lots of passengers who have to date been largely happy to stay on...

17 April 2019 Digital Banking Trends