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2015 3
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1
2
5
18
23
42
43
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2015 3
2020 40%
•
•
•
• IT
•
•
•
![Page 4: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/4.jpg)
2
2015 3
1.
13 50%
O2OOnline to Offline
40% 2014 202011% 2020 3 5
2014 2 40%
1
BCG40%
60% 2
BCG 122008 27% 2013 34%
2013 35% 45%25-35%
2013 66%75%
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3
2015 3
1
BCG2020CAGR=
+25%
+11%
2020
34,955
20182016
22,906
2014
18,533
2012
15,058
2010
8,356
2008
4,906
28,034
2008-2020
2014-2020CAGR
2008-2014CAGR
+11% +5%
+37% +11%
+29% +13%
+36% +19%
+45% +13%
+38% +11%0
10,000
20,000
30,000
40,000
6%
20%
10%
39%
8%
18%
2 40% 60%
BCG
40% 60%
2008 2009 2010 2011 2012 2013
60
55
40
50
45
0
%
![Page 6: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/6.jpg)
2015 3
4
7%
45% 20%
1994 90 3
200850% 50% 5
3
3
BCG1
2
3 2005 50% 2005 50%
1 S&P1986
0
100
200
300
400
500
600
1986 1988 1990 1992 1994 1996 1998
(%)
S&P2
0
50
100
150
200
250
300
350
20082007200620052004200320022001
3
3
2
2001
![Page 7: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/7.jpg)
2015 3
5
20
2020
2.
20
2.1
2090 21
BCG
BCG 18%2014 2010 2005 4
2009 4001960 38
BCGCCCI 5,000-23,000
2014 63%76% 5
![Page 8: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/8.jpg)
2015 3
6
BCG 50 2010 24%2020 33% 1.5
2013
4 2010 2014
EIU BCG1
2
4
0
1
2
3
4
5
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014
1.8x
2
1 2005
5 76%
BCG CCCI
>23K
12K 23K
8K 12K
5K 8K
<5K
63% 76%
2014 2014
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2015 3
7
8.2 60%3,800
202060% 1 2014 2020
1 1 11
BCG CCCI 2014 2020
350-600 6
BCG 2014 102020
6 2020 2/3350-600
BCG CCCI
2020 2/3350-600
5345
3622
1112
13
12
99
11
12
1214
16
18
15 19 2535
0
60
20
40
80
100
2014-2020%
0
10
20
30
40
50
60
70
80
90
100
0 500 1,000 1,500 2,000
2014-2020 %
34270%
61970%
![Page 10: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/10.jpg)
2015 3
8
2014 BCGBAI 18-25 45%
26-35 36%30%
•
•
• 1 5
•
•
•
2014 BCG72 41
67 3567 20
7
2014 BCG BAI35%
8
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2015 3
9
7 BCG
2014 BCG
4155-77
72
20-57
35
23-46
67
58-76
2063-70
67
8
2014 BCG
25 25 25 24 22 22
19 18 18 1613 13
-505
101520253035404550
%
0 -10 -10 -10 -10 -10 0
44% 43% 43% 40% 35%35%
30 29 28 27 2223
BCG 2014
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2015 3
10
9
2013 12
5.922.9
4.6
12.9
13.229.1
13.2
42.0
48.2
43.3
33.2
32.0
50.9
69.4
67.6
83.9
9.111.1
16.3
23.4
25.125.4
28.930.9
39.3
40.5
43.1
49.3
58.273.0
73.386.1
0 25 50 75 100
(%)2012 2013
2013 VS 2012 (%)
-
-
---
2012–2013
2.2
3.2
11.7 11.8
10.5 11.9 3.7 15.7 11.1 8.9 2.8 9.9 17.3 7.3 3.6 5.7
2.2
CNNIC 2014 6.3 47%83% 116
930% 2013
4% 2014 15%
2014 BCGBAI
18-35 51% 35-45 40% 45-6549%
![Page 13: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/13.jpg)
2015 3
11
10 BCG 2010 2020ATM
2014 BCG 57%
64% 11
2015
•
10
BCG BCG
0
50
100
150
/
202020091999198919791969
A TM
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2015 3
12
•
•
•
BCG12 1
+ 2.43.1
2.3
11 60%
2014 BCG1 102 10
x% 21
64%
13%
23%
x%
28%
55%
17%
x%
27%
57%
16%
![Page 15: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/15.jpg)
2015 3
13
2.4
3G/4G
12
BCG1
3.1
2.62.4
2.0
1.31.11.0
0
1
2
3
4
++
+ ++
1 3% 2% 1% 43% 20% 15% 16%
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2015 3
14
GPS
•
• IT
13
4C
• Compatibility
• Connectedness
• Cost
• Capitalization
![Page 17: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/17.jpg)
2015 3
15
2.5
20142014 11 21 2012
1.1 1.22014 11 30 2015 1
2015 1( )
13
ATM
POS
![Page 18: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/18.jpg)
2015 3
16
2.6
14
•
•
14
/
Ripple China
/ /
360
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2015 3
17
•
•
15
•
•
•
15
/ / / /
• •
••
•
•
•
•
•
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2015 3
18
3.
BCG
•
• IT
•
16
16
1
2
3
4
5
/ /IT
/
“ ”
“ ”
“ ”
“ ”
“ ”
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2015 3
19
3.1
MACH
MACH Hong Leong Bank
MACH
iPhone
MACH
MACH
3.2
RHB Easy BankEasy Bank
10 50-80
Easy Bank
![Page 22: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/22.jpg)
2015 3
20
9
mBank mBank 20002014
mBank
FacebookFacebook
20142014 2
2014120 200
mBank
3.3
Santander Bank
3% 3%
IT
![Page 23: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/23.jpg)
2015 3
21
Commonwealth Bank of Australia
95%
20
IT
3.4
Wells Fargo
2.52.5-10
10-100
100
8,700
12,500 ATM2,000
3.5
![Page 24: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/24.jpg)
2015 3
22
Rakuten
Super Points
2004 2005 AOZORA
Super Points 108 ID
2013 5,185 2,01440%
3.6
![Page 25: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/25.jpg)
2015 3
23
IT
4.
17
4.1
Smarty Pig Facebook Twitter
American Express Small Business Saturday2009
10-25
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/ /IT
/
1
2
3
4IT
5
7
6
1
2
3
4
5
7
6
Facebook Twitter1
Facebook Facebook My Business Story Google
2015 3
24
![Page 27: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/27.jpg)
2015 3
25
70
4.2
BCG
18
4.4 IT
![Page 28: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/28.jpg)
2015 3
26
BNP Paribas
1%
BCG
()
80-90% 50-60%
18
2014 BCG BCG
ATM
/
![Page 29: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/29.jpg)
2015 3
27
• 1-2
• 1-2
•
•
•
20%
70%10%
Wells Fargo
![Page 30: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/30.jpg)
2015 3
28
BBVA
2014 317
4.3
BCG 2014
ABN Amro9 1 7 5 14
6 90%
![Page 31: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/31.jpg)
2015 3
29
Charles Schwab
28-12
0.5% 1.5%-2%
4.4 IT
IT
IT
4.4.1
BCG
•
•
![Page 32: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/32.jpg)
2015 3
30
•
•
•
BCG
BCG
![Page 33: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/33.jpg)
2015 3
31
BCG
IT IT
BCG
4.4.2
BCG34% BCG
19
•
19 “ ” “ ”
BCG“ ” BCG
1. 3. 5. 6. 7. 4. 2.
/
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2015 3
32
•
• IT
•
•
•
•
BCG
Team Mechanism Thinking TMT
Team
Mechanism
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2015 3
33
Thinking
4.4.3 IT
ITIT IT IT IT
IT , ITIT IT
IT IT ITIT
IT ITIT
IT
•
• VTM
•
•
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2015 3
34
• P2P
•
• OCRM
•
• SOA
• ACRM
•
Commonwealth Bank of Australia 2003
• 2003-2006CRM
• 2006-2010
60
• 2010
![Page 37: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/37.jpg)
2015 3
35
24Facebook
2010 CBA
CBA
•
•
•
•
IT ITIT IT IT
IT
IT IaaSSaaS
CRM
ITIT IT
IT
4.5
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2015 3
36
4.5.1
BCG20
20
BCG
............
% X /
% X /
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2015 3
37
4.5.2
![Page 40: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/40.jpg)
•
•
•
•
•
• KPI
•
•
• 21
4.6
2015 3
38
![Page 41: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/41.jpg)
IT
2015 3
39
21
IT
“ ”
•
•
•
•
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4.7
30015
2015 3
40
![Page 43: BCG Retail Banking 2020 CHN Mar 2015 Final Himage-src.bcg.com/BCG_Retail_Banking_2020_CHN_Mar_2015... · 2016-12-31 · BCG Retail Banking 2020 CHN Mar 2015 Final H ... 3 4 -](https://reader031.vdocument.in/reader031/viewer/2022012918/5e4e8c6e942b47336a16bbfb/html5/thumbnails/43.jpg)
•
•
Reader
4.8
BCG22
2015 3
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Tjun Tang [email protected]
Ian Wachters Ian Walsh Nicole Monter Stefan Mohr Steven ThogmartinSaurabh Tripathi BCG BCG
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