Digital 2025: Digital is Core, Digital is Data. Lee J. Volante, Head of Strategic Engagement, Temenos Asia Pacific 19 th May 2017
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1 Digital 2025: Digital is Core, Digital is Data Lee J. Volante, Head of Strategic Engagement, Temenos Asia Pacific 19 th May 2017
2 Who are We Banking & Finance Clients, 140+ Countries 150 across Asia Pacific Retail, Corporate, SME, Mass Affluent, Wealthy, Unbanked We invest 20% of our annual revenues in R & D 19 clients in Vietnam
3 Temenos customers in Vietnam
4 What Consulting Companies and Banks are saying about the Future The Technology Platform is no longer a support function to the Business, it IS the Business - Accenture, February 2016 "BBVA will be a software company in the future said Francisco González, Chairman and CEO of BBVA, who anticipated that BBVA will compete in the new digital ecosystem. - 5th March 2015 JP Morgan is a Technology Company said Marianne Lake, CFO of JP Morgan, at recent Investor Conference - February 2016
5 The Unbundling of Banking Death by 1000 Cuts Friends or Enemies
6 The Bank Profitability Gap Global financial crisis New normal Profitability gap - 6% pts 6% Banks RoE levels globally 16% 4% 7% 10% 10% 9% 9% 10% 10% Source: BCG, Thomson Reuters Profitability pressures structural and cannot be ignored
7 So where will the economic benefits of Digital Come from Digital Lagards Digital Champions
8 A Digital Success Story Financial Inclusion
9 What do we mean by Digital Banking Removing the Friction Celent s Framework for Digital in Banking Digital in Banking is about Delivering a customised but consistent FI brand experience to customers across all channels and points of interaction Underpinned by ANALYTICS AUTOMATION And requiring a change in PROJECTS AND SERVICES IT ORGANISATION AND PEOPLE In order to deliver Demonstrable and sustainable economic value Source: Celent Banks can eliminate up to 25% of their cost base by embracing Digital front-to-back Mckinsey & Co.
10 Why Banks Struggle to become Digital Organisations The Silo Problem Partner Branch Call Center Internet ATM Kiosk etc. Mobile POS Smart Devices Loan Orig. Corporate Bill Payment CRM Contact CRM Contact CDM Domestic Payments International Payments CRM Contact Parameter Info File CASA Deposits Term Deposits Home Loans Consumer Lending Cards Securities Relationship Pricing AMLO Write-Offs, Legal Collateral Collections Profitability GL Risk Marketing Compliance Information Silo s Multiple Versions of the Truth Fragmented, duplication of data, and functionality driving complexity The Enemy of Digital
11 What do Banks need to do? Integrate the Data - and Automate Everything - Eliminate manual intervention Integrate the Channels - Consistent, Continuous, Personal Continuous Discovery - learning from continuous feedback Creating a Single Brain - What, when and how to engage Know Journeys
12 Experience Simple, Convenient, Relevant and Frictionless Transactional Banking - Inside-Out Experience Banking Outside-In Everybody does it Few banks are doing it Broad Segmentation, One size fits All Micro Segmentation, Fits Me Bank Focused Focused Highly Transaction Driven -Context and Transaction Driven Sell (Push) & Do Advice (Pull) & Guidance 3 or 4 Times a Month Usage 3 or 4 Times a Day Usage Silo s Internet, Mobile, Call Centre, Branch Omni-channel Presence Cost Reduction Driver, Need to have it Revenue and Cost Reduction Driver Old legacy silo d product servicing engine Integrated, Transaction, Data and Channel
13 We are living longer In 2012, 12% of global population equating to 810 million people were aged 60 or over - by 2050 the number will reach TWO billion % of population In Japan there are 50,000 people already over 100 years old and it is predicted that 50% of people born in Sweden in 2012 will reach 104 years old 6 Years old C++ mer British Banker Association reports: 2.3m over 70 use Internet Banking 20% of the population over 80 use internet banking 450,000 over 60 s use mobile for banking
14 The mable Bank We all depend on technology to communicate, to bank and none of us know how to read and write code. It s important for these kids right now, starting at 8 years old to read and write code. - Will.I.am IFTTT style programming is becoming widely accepted by generation Y and the next generation will expect this. Coding is becoming more familiar to the next generation. The rise in API s allowing greater control and personalization, mobile devices are become control platforms. if then When I reach my savings goal, post on FaceBook Dream car coming soon! if then When I check-in outside my home country, limit withdrawals to my account
15 Why Banks Struggle to become Digital Organisations The Silo Problem Partner Branch Call Center Internet ATM Kiosk etc. Mobile POS Smart Devices Loan Orig. Corporate Bill Payment CRM Contact CRM Contact CDM Domestic Payments International Payments CRM Contact Parameter Info File CASA Deposits Term Deposits Home Loans Consumer Lending Cards Securities Relationship Pricing AMLO Write-Offs, Legal Collateral Collections Profitability GL Risk Marketing Compliance Information Silo s Multiple Versions of the Truth Fragmented, duplication of data, and functionality driving complexity The Enemy of Digital
16 The Journey towards Simplicity an Aspirational Model CUSTOMER Intimacy We Know Who You Are (in a good way) OmniChannel Multi-Device, IoT, Electronic Access Points Fintechs Blockchain MarketPlace Self-Service, Assisted, Face-2-Face, Partner Channels The Single Brain (XP) API Interaction MarketPlace Consistent Continuous Cross-Channel Interactive Blockchain Partner Apps Digital Engagement Data Highly Automated Managing Exceptions MicroB Retail SME Account and Transaction Processing Risk, Compliance & Standards Payments Corporates Islamic Mass Affluent The Wealthy Digital Servicing
17 Digital Transformation Turning the Bank Inside-Out Mindset Journey
18 Build, Visualise & Migrate, Journey by Journey Digital Model Bank Partner Branch PVB Call Digital Center Internet ATM Kiosk etc. Mobile POS Loan Smart Orig. Devices Corporate Bill Payment CRM Contac t CRM Contac t CDM Domestic Payments International Payments CRM Contac t Account Data Account Data Account Data Account Data Account Data Account Data Account Data The Cloud Parameter Info File Relationship Pricing CASA Deposits AMLO Term Deposits Write-Offs, Legal Home Loans Collateral Consumer Lending Collections Cards GL Profitability Risk Marketing Compliance Securities Information Silo s Multiple Versions of the Truth Greenfield Banks in the UK look to achieve Cost Income Ratios that are 50% less than traditional Banks Unravelling the Legacy Silo s
19 In Conclusion: Digital in 2025 s are Unique as is their Experience Connects Anything, Anytime, Anywhere for Anyone Data and Analytics Drives Everything Supports Lifestyle Events not pushing s Embraces Fintechs, Partners and Indirect Communities Revenues driven through Value-appreciated Services Near-Zero Back-office Seamless Scalability Shared Infrastructure Low Cost-Income Ratio and Higher Return on Equity
20 Thank you
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