LEADING DIGITAL FINANS NORGE MARCH 24 TH, 2015 TURNING TECHNOLOGY INTO BUSINESS TRANSFORMATION
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1 LEADING DIGITAL FINANS NORGE MARCH 24 TH, 2015 TURNING TECHNOLOGY INTO BUSINESS TRANSFORMATION
2 What Do These Great Companies Have In Common?
3 Digital Capability 4 Levels Of Digital Mastery FASHIONISTAS Many advanced digital features (such as social, mobile) in silos No overarching vision Underdeveloped coordination Digital culture may exist in silos BEGINNERS Management skeptical of the business value of advanced digital technologies May be carrying out some experiments Immature digital culture DIGITAL MASTERS Strong overarching digital vision Excellent governance across silos Many digital initiatives generating business value in measurable ways Strong digital culture CONSERVATIVES Overarching digital vision exists, but may be underdeveloped Few advanced digital features, though traditional capabilities may be mature Strong governance across silos Active steps to build digital skills and culture Leadership Capability
4 Digital Capability Digital Capability The Time To Act Is Now: Digital Masters Have Significantly Better Financial Performance REVENUE GENERATION EFFICIENCY PROFITABILITY +6% +9% -11% % +26% -4% -10% -24% +9% Leadership Capability Basket of indicators: Revenue / Employee Fixed Asset Turnover Leadership Capability Basket of indicators: EBIT Margin Net Profit Margin * Average 2012 performance difference for firms in each quadrant versus the average performance of all large firms in the same industry for the 184 publicly-traded companies in our sample
5 The What: Building Blocks Of Digital Capability CUSTOMER EXPERIENCE OPERATIONS BUSINESS MODEL Customer understanding Process digitization Digitally-modified business Top line growth Worker enablement New digital business Customer touch points Performance management Digital globalisation Digital has informed and amplified customer expectations Digital is removing traditional constraints in operations Digital business models can reorder value chains and create new opportunities
6 The Experience Bank of the Future? Ease of Use Experience not products Meshed across channels Mixing old and new Personalized Intelligence trough analytics Mobile Bank in my pocket Engaging Connected and Social
7 COSTS RISK A Radical Shift in Financial Services Operations? TODAY GOAL 90% of technology budgets consumed by maintenance of legacy Shift from legacy & maintenance to digital & innovation 30% of revenue of a typical bank at risk Protect more vulnerable high velocity products e.g. personal loans, cards, payments NEXT 5-10 YEARS Average European bank = 500 to 800 processes A third or less of these processes have been digitized or automated Massive simplification: Eliminate costs through digitization / automation Contain compliance costs 20-25%of costs to be taken out Efficiency ratio of bank could move down to 35-45%
8 Challenge Your Business Model: Be Realistic But Paranoid Nevertheless RADICAL LANDSCAPE SHIFT Globalized Competition No Frills - Banking Payments Lending P2P/B2B Falling Barriers To Entry Access Vs. Ownership Of Assets Blurring Industry Boundaries Everything Connected Currency & Money Transfer Auto Insurance Process Automation
9 The How: Leadership Capabilities Turn Digital Investment Into Digital Advantage Rethink IT/ Business Relationship Build Digital Skills Digital Platforms IT/BUSINESS VISION Identify Strategic Assets Transformative/ Think Big Intent and Outcome Evolve over Time Digital Committees New Digital Roles Shared Digital Units GOVERNANCE ENGAGEMENT Connect the Organization (Wire) Encourage business Use Cases (Adoption) Foster New Ways of Working (Scale)
10 Digital Transformation Is A Job For Now: The Digital Transformation Compass Sustain the Transformation Build Foundation Skills Align Incentives & Rewards Measure, Monitor & Iterate Frame the Digital Challenge Build Awareness/Understand Impact Know your Starting Point Craft Vision & Align Top Team Mobilize the Organization Signal your Ambitions Earn the Right to Engage Set New Behavior & Evolve Culture Focus Investments Translate Vision into Action Build Your Governance Fund the Transformation
11 Thank You! Follow us on #Leadingdigital Or visit our website at:
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