La Transformación del Sector Bursátil en la Económia Digital

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1 La Transformación del Sector Bursátil en la Económia Digital Marylú Velazquez 1

2 Today, every business is software business 2 2

3 Common Market Drivers Customers are used to dealing with Digital Leaders on a day to day basis Why Should Financial Be Different? 3

4 FinTech Startups Causing Disruption Financial technology, also known as FinTech, is a line of business based on using software to provide financial services. Financial technology companies are generally startups founded with the purpose of disrupting incumbent financial systems and corporations that rely less on software. In the United States, there are a numerous FinTech startups, including several of the best-known companies, such as Betterment, Lending Club, Prosper, SoFi, Square, and Stripe (along with others, such as LOYAL3, MaxMyInterest, Robinhood and Wealthfront). In the Asia Pacific region, the growth will see a new financial technology hub to be opened in Sydney, Australia, in April 2015.[5] There is already a number of strong financial technology players like Tyro Payments, Nimble, Stockspot, Pocketbook and SocietyOne in the market and the new hub will help further accelerate the growth of the sector.[6] A financial technology innovation lab is also being launched in Hong Kong to help foster innovation in financial services using technology.[7] 4

5 Millennials Changing The Game Are highly connected, with an always-on menatality 94% 72% 92% Are active users of online banking Are active users of mobile banking Are active users of social media Have higher expectations of omnichannel distribution. 67% Feel the traditional and digital experience they receive from their bank is somewhat or not at all seamless (compared to 45% for those over 55) Are not as tied to the branch experience 39% Would consider using a branchless digital bank (compared to just 16% for those over 55) Want to bank on their time Embrace new entrants. Want help with managing their finances. 56% Are interested in having a video chat with a bank representative by accessing a link on their bank s website, mobile or tablet application (compared to 23% for those over 55) 72% Would be likely to bank with nonfinancial services companies with which they do business (compared to 27% for those over 55) 67% Are interested in their bank providing tools and services which help them create and monitor a budget (compared to 31% for those over 55) Are in touch with their spending Expect their bank to be proactive Are seeking advice through emerging channels. 66% Follow a budget (compared to 36% for those over 55) 58% Are interested in their bank proactively recommending products or services (compared to 46% for those over 55) 22% Look for financial advice via social media (compared to 3% for those over 55) 5 Source: Accenture, 2014 North America Consumer Digital Banking Survey, The Digital Disruption in Banking

6 Market & Industry Innovation Bio-Metrics NextGen ATM Digital End Points Voice Recognition Driven Mobile Applications 6 Customer Behavior Profiling Facial Recognition Responsive Design Across Digital Channels

7 Market & Industry Common Themes Biometrics & Banking User Names and passwords will be a thing of the past in 3-5 years Fingerprint, Multi Fingerprint voice identification, Iris Scan, Retina Scan, and facial recognition are all being pursued to replace username and passwords for positive identification. Many financial applications today are using fingerprint reader on iphones Several new applications out already that can integrate with financial applications that use Iris Scan and facial recognition At A Glance Identity Matching Changes Tightly tied to Mobile Technology Innovation Fingerprint Identification Iris Scan & Facial Recognition 7

8 Market & Industry Common Themes Mobile Financial Services At A Glance Omni- Channel Strategy Financial Services are driving towards seamless integration of Mobile and Web Interfaces Banks are redesigning all interfaces to be simple to use Banks are trying to achieve a framework that allows a customer to be identified automatically when initiating a call from a mobile device, in addition they are trying to create a framework that allows for the service person to be fully aware of the transaction in progress to provide help without multiple questions. Advancing mobile banking to include Mortgage originations as well as other complex personnel intense transaction Simplification Matters Customize Experiences Expansion of Mobile Service Offerings 8

9 Digitally Connected Financial Services Huge Opportunities $721B Global mobile payment transactions by 2017*** 1.75B 65% 2009 Mobile Financial users by 2019 ** of customers interact with their banks through multiple channels * a credit union innovates the first mobile check scan deposit app 9 Sources: * McKinsey & Company, August 2014, The future of US retail-banking distribution ** Juniper Research, July 2014, Press Release *** Statista, Digital Payments Report * ** * Javelin Strategy & Research

10 CEOs Are Focused On Discover Opportunities For Growth Strong High Performing Culture Accelerate Innovation Customer Centric Focus Reduce Complexity Optimizing Capital Drive Productivity Millennial Engagement Reducing Risk 10

11 Managing your Financial Software Business is your new challenge You need to answer 3 fundamental questions: Application Performance & Security Customer Experience Business Success Am I open for business? How are customers engaging? How is my business doing? 11

12 Business Success C-Level Execs CEO, COO CFO DIGITAL, Digital, a a competitive strategy strategy Application Success Digital Business Leader, CDO CTO, CIO, VP CTO, CIO, VP Cloud Cloud Enabling Digital Transformation Digital Business Digital Business Outcomes Outcomes Director of Apps, Business Process IT IT Mgmt Mgmt (Dev (Dev + Ops) Ops) Continuous Delivery Customer Experience and Customer Experience and Adoption Adoption Product/Applic Product/Applic ation ation Manager Manager Developer, IT Ops Application Complete Application Performance Performance & Security 12

13 Estas Listo??? Gracias!! 13