1

2

The Age of

Digital Banking

3

4

Personal Loan Scenario

?

5

231 Ellsworth St.

$650,000

PRE APPROVE

1:00 pm | At ATM

Withdraws money using

mobile generated code without

needing a debit card

Washer

Thermostat Pool

231 Ellsworth St.

$650,000

Preapproval Form

Use the code at the ATM for your $100 withdrawal

SMPLY

office

6

Silent Escape of Cash Scenario

7

Customer

Call center agent

Relationship Executive

Territory Manager

Head of Retail

8

Corporate to Bank Networking

Scenario

9

Value Services

Mobile Alerts on Payment Status

ERP Integration

Banks/ Credit Cards

Corporates

other networks/ services

Other Financial Services Providers

Corporates Platform Services

SAP Cloud

Financial Services Network

Cas

h

Man

agem

ent

Mas

ter

Dat

a

Man

agem

ent

Mo

nit

roin

g &

Ale

rtin

g

Oth

er V

alu

e

Serv

ices

Integration Services

Sup

ply

Ch

ain

Fi

nan

cin

g

Rem

itte

nce

R

eco

nci

liati

on

10

Risk and The Turtle Scenario

11

Ask a question

Look at source information

Calculate and Present

12

CRM data

GP

S

Credit

Cards

Sp

ee

d

Velocity

Transactions

Opport

unitie

s

Serv

ice c

alls

Customer

Deposits

Loans

E-m

ails

Tw

eets

Planning

Things

Mobile

Insta

nt m

essa

ge

s

VELOCITY

VOLUME VARIETY

13

Digital Lending Survey

14

Bain has annual Retail Bank of the Future

benchmarking study at 75+ global banks

15

The benchmark measures maturity on 7 core capabilities

for end-to-end lending process… Product design

& go-to-market Marketing

Origination,

sale & approval

Disbursement /

Collections Servicing

Engaging and

comprehensive

self-service

Streamlined, simplified, digitalized

processes

Relevant, simple and easy to buy products/offers

Advanced customer, risk and marketing analytics

Consistent omni-channel delivery model

Rapid innovation

through test and

learn

Holistic, real-time, single view of the customer

1

2

7

5

3

4

6

Omni-channel

Customer experience

Innovation

Technology

Each capability has a number of

sub-capabilities. Digital lending survey will seek to

measure the maturity of each one of these sub-

capabilities

Efficiency

16

Thank You

Contact details:

Yasar Yilmaz

Industry Director, MENA, Financial Services

yasar.yilmaz@sap.com