Provisio is probably the only shining light left in this...

Provisio is probably the only shining light left in this business now. But even that one isn't going to be much help if Coin is starting to fade away.

They have materially failed to integrate their other product offerings, and in the case of the flag ship Coin, have failed to keep pace with Xplan, Midwinter and others. There should be zero doubt in holders minds: CBA is migrating across from Coin. It's not just a matter of when. God how did they manage to fck up such a simple concept.