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!