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Human Centric Innovation

in Action

Digital Transformation Are we ready?

Fujitsu World Tour 2016

Mumbai, India

Isy Macadar

Digital Innovation

Retail Banking

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Business Transformation

Better

Faster

Cheaper

Retool the

underlying

business,

operating models

and resulting

products and

services

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Digital Transformation

Better

Faster

Cheaper

The transformation of

business activities,

processes, competencies

and models to fully

leverage the changes and

opportunities of digital

technologies

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Human Centric Innovation

in Action

Digital Transformation in Retail Banking

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Digital Transformation in Financial Services We are experiencing how banks are reshaping themselves to adapt to the new digital era. Omni-channel model A more accessible level of service any time, anywhere and across devices - offering the right balance between physical and digital channels.

A Real Digital Experience.

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Banks are part of a digital world

Regulation: global and local

Customer: demands and

expectations

Technology and innovation:

enabler, differentiator and

disruptor

Competitors: old and new

Society: politicians, citizens, activists

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Actors of the change

Customers Became the center of the game Demand a more win-win relationship with banks

Regulators Globalization, complexity, social demand and crisis have

enhanced local and regional regulation, in order to strength the finantial system and protect customers

Retail banks Facing low revenue and looking for higher profitability Have an internal lack of flexibility and digitalization

New comers Leveraging current technology availability and accessibility

to approach high profitability business with companies 100% technology based

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• More accessible: wide opening times • Cosy and modern environment • A place to be listened: personalized attention and products • Same experience in all channels • Safe, simple

• Shorter Time-to-market • Sales and consultancy driven • Technology enabling business strategy • All channels seamlessly integrated

Branch: enhance the relationship with the customer

Bank’s

view

Customer’s

view

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The “always

connected”

behavior generated

a security issue:

Change enabled by technology…

Smartphone, wearable devices In the customer hands have changed their behavior

Cloud, shared processing Enabling new comers to create disruptive products

Social networks Bank reputation suffered from crisis and now is weak in

front a very well educated customer

Smartphone and customer: A point of no return through digital bank, that is the customer demand!

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Technology will be

required to solve privacy

and security new

scenarios

Integrated Infrastructure

to support the new

hyper-connected world

And technology will leverage the new change

BigData Data is the new petroleum Banks are machines to get and store data Data analytics will enable personalized products creation

Biometrics Our body will be our password

Social bank Banks infrastructure and capillarity should be used to

transform banks role, avoiding being an “utility” reputation

Privacy

and

security

Human-Centric era

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Innovation in the Digital Banking

Human Centric Innovation

Favouring the intra-entrepreneurs, generating fintech ecosystems, providing the organization with the needed support.

New channels appear and the office must re-invent itself.

Generating internal efficiency, improving actual business and opening new business lines. Client changes

Digital Banking

Re-inventing banking value proposal beyond what is strictly financial.

Data Analytics

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Fujitsu FinTech consortium

2011

BBVA

EUR100 million fund

2014

Santander Innoventure

US$100 million fund

2015

Initial EUR100 million Fintech fund

Open platform for both Financial Institutions

and Fintech Startups in order to make real

the innovation in Financial Business.

Aim of accelerating open innovation of Financial services. More than 100 companies

• 54 domestic financial institutions • 47 FinTech firms

Financial Innovation For Japan (FIFJ)

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The use of data provided by clients is an important asset for entities to be more efficient and to define new business models.

Data analytics in future banking

Customer Centricity To improve users satisfaction and to increase

knowledge towards a personalised offer.

Open Business Together co-creation models which generate public event’s economical and social impact.

Operating Efficiency To improve capacities and efficiency

Optimal infrastructure location: ATM, branches.

Innovation Use of internal and external data to generate new

business models, products or services.

Internally...

Externally...

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