today’s topic banking 2025€¦ · future of banking. to digital first from digital on the side...

today’s topic

BANKING 2025

Omni-Channel Digital Banking Platform

To Accelerate your Digital Transformation

2018

CURRENT STATE OF PLAY

Legacy Challenge – Channel Islands & System SilosDigital Transformation

Branch Internet Mobile

Screen design,

Workflows,

content

Screen design,

Workflows,

content

Screen design,

Workflows,

content

Onboarding

Bra

nch

Inte

rnet

Mobile

Credit

Application

Credit Card

Application

Channel | Silo Legacy

Bra

nch

Inte

rnet

Mobile

Bra

nch

Inte

rnet

Mo

bile

Catastrophic Failure – A Worrying Trend?

Digital First – Attacking From All Angles

New Banking Incumbents?

30the Asian Median Age and 50% of the

population is under this age

Source: Worldmeters

2025

FUTURE OF BANKING

To DIGITAL First

From DIGITAL on the Side

The CONVERTEDTraditional models

Digital channels

The CLASSICSTraditional models

Traditional channels

The RUPTUREDEverything new

The DIGITALNew models

Digital channels

“.”13

Changing Model – New Habits, Digital First

Source: Deloitte

To 2025From 2015

2025

HOW TO GET THERE?

4 Value Drivers of the Banking 2025

Omni-Channel

Modular

Smart

Open

Digital Transformation

= +Future-proof

Digital

Framework

Impact #1 – From Channel Islands to Omni-Channel

Digital Transformation

Branch Internet Mobile

Screen design,

Workflows,

content

Screen design,

Workflows,

content

Screen design,

Workflows,

content

Onboarding

Bra

nch

Inte

rnet

Mo

bile

Credit

Application

Credit Card

Application

Channel | Silo Legacy

Internet

Omni-Channel Dialogs

Screen design, Workflows, Content

...

Omni-Channel Fabric

Mo

rtg

ag

es

Onboard

ing

Acco

un

t O

pe

nin

g

Lo

an

s

...

Bra

nch

Inte

rnet

Mo

bile

Bra

nch

Inte

rnet

Mo

bile

Mobile Branch

Ready to Go

Accelerators

Monolithic

Applications

Decoupled

Layers

Problem

Lego Style

Building Block

Architecture

Impact #2 – From Monoliths to Modular Architecture

Impact #3 – From Closed to Open Banking

Closed Banking

• Assets ownership

• Localized work

• Mass production

• Proprietary value

• Scarcity control

Open Banking

• Connections access

• Distributed work

• Unit production

• Shared value

• Abundance management

• Mash-up

Digital Transformation

Impact #4 – From Mass to Smart Banking

Companies produce in mass and sell an

identical product to all their customers

Companies offer tailored products and

Customization possibilities to each of their

Customer, creating an intimate and long-lasting

experience.

Smart PersonalizationMass Production

Digital Transformation

Omni

Banking

Modular

Banking

Open

Banking

Smart

Banking

Digital First

TRANSFORMATIO

NSUPERIOR CUSTOMER VALUE

Digital First Platform

Value Drivers

Omni-Channel Digital Banking Leader

Thank You!