Products are implemented

redundantly and

inconsistently across

product lines and channels

IBM Mainframe

Sun Server

Intel blade

Tandem

Thin clients

Fat clients

AIX Server Server Farm Any technology

of each and every decade

Banks keep the status quo

2000 2003 2007

Design + Functionality + User centric = Life style

2012 2013 2014 2015

72% Watching TV

Playing Video Games

Listen to music

Reading newspapers

Reading books

Internet

Digital Natives

Price

Coverage

Benefits

Bandwidth

Convenience

Customer

Trust

Loan

s

Tran

sfor

mat

ion

Inve

stm

ents

Paym

ents

The New

Customer

Brokerage

Loans

Deposits

Top Desire

R I P

Context Banking

Next

You are looking for your own home?

We can help to make your dream come true.

Scan

18 €

53 €

5 € 12 € 17 €

23 €

Source: eBay, April 2013

1 GB Commodity RAM = 19 USD 128 MB Mainframe RAM = 249 USD

Factor 100

Google

Apple

BIAN service descriptions

Standardisation

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Store

Platform Open SAP Oracle IBM ...

Modules/Apps

overrated

underestimated

Gartner Hype Cycle