George Open Banking Platform
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- Cecilia Sparks
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1 George Open Banking Platform
2 Martin Kobza Head of Digital Group IT Governance Group Digital Architecture Group Ecosystem Delivery Erste Group Bank AG 7 countries across CEE Founded in million customers
3 DIGITAL LEADERS (Valuation) Google $256 bn Facebook $305 bn ERSTE Group Market. Cap bn CEE Countries 7 Apple $634 bn FINTECH Investment 2015 Companies Investment 14.5 bn USD Europe 1.1 bn ( bn) Digital world Customers 16 m BANK Digital Investments Lloyds - 1 bn BBVA bn Deutsche Bank bn
4 Digital user CZ experience AT SK HU Borderless
5 Customer Attention Span Page 8 seconds Promotion 3 seconds Goldfish 9 seconds Be Relevant
6
7 7
8 Two major trends shape the world today 8
9 The genesis of George 2012 Rethinking Online Banking Focus: Austria, Retail Banking, Challenges: API Architecture Open to External Small and Focus Design led 9
10 SET-UP Bee One #MIX #OUTSIDE-IN #CHALLENGE
11
12 Reflection % % Best banking on the market? Less than 1/3
13 Financial literacy through design thinking H&M PayPal
14 Smart transaction overview.
15 Helps you do it right.
16 Food last month Intelligence.. Yesterday Last week Income last 3 month ATM Barcelona Billa 20
17 More Intelligence
18 More more Intelligence
19 Plug-in Ecosystem
20 Mauricio Poletto Head of Design & Director of BeeOne
21 The genesis of George Rethinking Online Banking Focus: Austria, Retail Banking Market validation (Austria) Focus: Minimum Viable product, Dynamic Iteration Challenges: API Architecture Open to External Small and Focus Design led Challenges: Open API Elastic Search Real time Scalability and Stability 21
22 George
23 Biggest Java Script Implementation in CEE George Ecosystem State of the art architecture Central ecosystem plugged on top of heterogeneous banks. Group APIs Login & Authorisations GEORGE APIs ELASTIC SEARCH CLUSTER COUNTRY ADAPTER Bank Systems Partner Bank Cenral Components
24 Flying on APIs Retail Group API specification defined (over 100) Central API governance (& central help) API change management process API central monitoring 24
25 The genesis of George Rethinking Online Banking Focus: Austria, Retail Banking Market validation (Austria) Focus: Minimum Viable product, Dynamic Iteration, Scaling to Erste Group Focus: Czech Republic, Slovakia, Romania Challenges: API Architecture Open to External Small and Focus Design led Challenges: Open API Elastic Search Real time Scalability and Stability Challenges: One Core product in multiple countries One brand and one communication strategy 25
26 Scale cross-border Austria Czech Republic Slovakia Romania Croatia Serbia Hungary
27 Cross-platform Store Products / Plug-ins Sales in the Genes Designed for context campaigns up to 12 parallel 27
28 Customers & Interactions & Products =
29 Digital Sales disciplines 3.Simple Products with STP process 1. Drive Traffic 2. Relevant offer 4. Manage dropout 29
30 Erste Information Factory
31
32 Landing page EMIL Relevant offer 32
33 Sales Funnel - digitalized branch product Product page visits Sales intention (Hit Buy ) Contact collected 190 Sale 65 3%
34 Erste Information Factory
35 Manage drop-out Essential for Digital sales. Time is a critical factor growing time the success rate decreases (15 min, 2 hours, 24 hours). 35
36 The genesis of George Rethinking Online Banking Market validation (Austria) Scaling to Erste Group PSD2 & Opening to Fintech Focus: Austria, Retail Banking Focus: Minimum Viable product, Dynamic Iteration, Focus: Czech Republic, Slovakia, Romania Focus: Plugin architecture with external partners Challenges: API Architecture Open to External Small and Focus Design led Challenges: Open API Elastic Search Real time Scalability and Stability Challenges: One Core product in multiple countries One brand and one communication strategy Challenges: Additional services Distribute development Legal and compliance Iterative integration
37 developers.csas.cz
38 Plug-in Concept Open FE ecosystem
39 George Ecosystem - Gate to the CEE Partners and Fintech 65,2 M inhabitants 15,9 M Erste Group customers 7 countries
40 The genesis of George Rethinking Online Banking Market validation (Austria) Scaling to Erste Group Opening to Fintech Scale to PAN- European Scope Focus: Austria, Retail Banking Focus: Minimum Viable product, Dynamic Iteration, Focus: Czech Republic, Slovakia, Romania Focus: Plugin architecture with external partners Focus: Leverage the platform architecture Challenges: API Architecture Open to External Small and Focus Design led Challenges: Open API Elastic Search Real time Scalability and Stability Challenges: One Core product in multiple countries One brand and one communication strategy Challenges: Additional services Distribute development Legal and compliance Iterative integration Challenges: Build the network of partners and Fintech European Community Large continental story
41 Platformification of Banking 41
42 George Banking Community The bigger the scale, the more benefits for everyone
43 Thank you
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