accelerating the digitalisation of ukrainian banks
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Accelerating the digitalisation of Ukrainian banksAlex KwiatkowskiSenior Strategist, Banking & Digital Channels
2© Misys 3 May 2023
Accelerating the digitalisation of Ukrainian banks
Alex KwiatkowskiSenior Strategist, Banking & Digital Channels Misys
3© Misys 3 May 2023
Agents of change in banking
Competition
Technology
Consumer behaviour
Regulations
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Digitalisation is ruthlessly exposing inefficiency in every industry
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What’s the worst that can happen?
88%
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Priorities for banking
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Increasing engagement via digital channels
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Achieving digital sophistication
“Banks can gain a 45% improvement in net profits from the impact of digital.”
Source: Strategic choices for banks in the digital age – January 2015
Source: McKinsey: Cutting through the noise around financial technology – February 2016
Data-drivendigital insights
Comprehensive data ecosystem,
including 3rd-party APIs
Robust analytics and data infra-
structure
360-degree single customer view
Targeted product and service decisioning
Integrated customer
experience
Customer centric experience design
Omnichannel experience
delivery
Customer decision journey
experience
Digital marketing
Targeted digital media
Content marketing
Digital customer life-cycle
management
Marketing operations
Digitally enabled operations
Digitized sale and service
interactions
Streamline and automated fulfillments processes
Operational excellence enablers
Next-gen technology
Scalable applications architecture
Cyber security
Agile delivery to market
Flexible IT infrastructure
Digital enablers
Digital talent management
Organization and governance
Innovation test and learn culture
Technology integrationto fintech ecosystem
MAPS
Cloud
Smartwatch
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The pillars for success in banking
Product Factory
Customer Channels
Core Processing & Reporting
Discretionary EssentialDiscretionary Essential MandatoryEssential
Customers
Investors
Regulators
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The role of the NBU in the digitalisation of Ukrainian banking
•Turning a duckling into a swan– End of oligarch banking– Deposits flowing back in– New lending activity– Capital adequacy improving
•Increasing transparency
•Adopting prudential regulation
•Improving corporate governance
•Developing risk management
•Encouraging shift to open banking– API platforms
Source: www.thebanker.com
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Alex KwiatkowskiSenior Strategist, Banking & Digital Channels
[email protected]@alexkwiatkowski