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Cost


                                          Branch Closure/African ops










                                               Barclays




                       Focus                                                  Differentiation

                       U.S.                                                   Digital Technology


                       U.K./Europe                                            Blockchain


                  Diagram 8





               A fundamental objective of Barclays’ strategy is the drive for

               both efficiency and effectiveness which is the combination

               of Diagrams 6 and 7.





               At the end of the day digital is not just about taking what’s

               being done in the physical world and putting it on digital it

               requires organisational support, finance and integration.

               Barclays is providing such as part of their restructuring

               drive. Barclays moreover, has a certain ‘first mover’

               advantage on Blockchain and is developing outside

               relationships to acquire digital knowledge.
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