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Mobile & The Future of Corporate Banking

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This presentation covers how to first frame the discussion, then discusses key trends, mobile in corporate banking today, and what may be next.

This presentation covers how to first frame the discussion, then discusses key trends, mobile in corporate banking today, and what may be next.


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  • 1. Mobile & The Future of Corporate Banking David Youker SAP Financial Services Forum, New York City, 09/19/13 September 19th, 2013
  • 2. Topics  Corporate Banking: Framing the Discussion  Key Trends  Mobile in Corporate Banking Today  What’s Next?  A Banker’s Perspective © 2012 SAP AG. All rights reserved. 2
  • 3. Corporate Banking is a different—and complex—animal (Shown: One page of a thirteen page Table of Contents!) © 2012 SAP AG. All rights reserved. 3
  • 4. Corporate Banking: Framework for Discussion Receivables Core Cash Management Functions Cash/Courier Assets Liabilities Payables Disbursement Lockbox Checks / Positive Pay Retail ACH Wholetail Consumers Wholesale Electronic Biller Direct Merchant Acquirer Svc Businesses SWIFT / EDI / ETC. Treasury Management Enablement Tools (ERP, Corp OLB, etc.) Fedwire Gov’t (Tax, etc.) Online Billpay Other Enterprise Functions Remit. Advice HR IT Sales Supply Chain Service Procure Suppliers Mail EDI / SWIFT / ETC. Employees © 2012 SAP AG. All rights reserved. 4
  • 5. Topics  Corporate Banking: Framing the Discussion  Key Trends  Mobile in Corporate Banking Today  What’s Next?  A Banker’s Perspective © 2012 SAP AG. All rights reserved. 5
  • 6. Trends in Cash Management Industrial Strength Connectivity Not Reports, but Actionable Analytics • Corp Banking extremely data-intensive • Many points of integration • Errors = Cost; Appeal of FSN • Evolution to real-time infrastructure • On-the-fly analytics • Easy-to-consume by ‘right’ user • Continuing Movement to Web Services • • Digital Signatures & Worfklows General trend today across FSI Faster time to user-optimized experience Enables dynamic content aggreg. Workflows = ‘who’, not ‘where’ • Ubiquitous signature capture • Mobile is good 2FA tool • Source: Citigroup © 2012 SAP AG. All rights reserved. 6
  • 7. Tablet is always at hand, but is an evening access device Mobile kicks in during the working day Desktop dominates working hours © 2012 SAP AG. All rights reserved. % of logins by time of day The new world is using different digital devices at different times… 7
  • 8. Global middle class growing from 2B to 5B by 2030 Business and personal lives have been blurred 15 Billion connected devices by 2013 More data in last 5 years than entire history of mankind 1 Billion people engaged in social networks More mobile devices than people Unprecedented empowerment of people
  • 9. Corporate Banking Today: Myriad Challenges to an Optimal User Experience, STP & Real Value Regulatory & Legal Compliance Fraud Information Security Avoiding Disruption Legacy Batch Processes Cross-Banking Customer Acquisition & Lifecycle Mgmt Specialized Industry Sol’ns Integration w/ERP, SORs Esp. Acute in Corp. Banking Vendor Data Barriers Reporting & Analytics Complex Billing & AA Complex Entitlements Mobile-Specific © 2012 SAP AG. All rights reserved. Complex Transaction al Systems Dataintensive Exception Mgmt Merchant Services / Processing Information Security Device Proliferation Consumer Grade User Experience UI Submodalities 9
  • 10. Topics  Corporate Banking: Framing the Discussion  Key Trends  Mobile in Corporate Banking Today  What’s Next?  A Banker’s Perspective © 2012 SAP AG. All rights reserved. 10
  • 11. Mobile in Corporate Banking Today Corporate Banking Cash2Mobile Key Functions Key Functions Received Message Multi-device Location-based services Wire release and workflow approvals Account balances and transaction details Funds transfer and bill payments Intraday positions Mini-information reporting Secure bank messaging Check/Image Capture Alerting Mobilising cash collection in fulfilment of goods and services Registration and Management of Distributor and Delivery/Collector Registration and Management of Retailers (LifeCycle) Delivery/Collection Process Retailer Checking of order Status and History (Mobile) Retailer payment and settlement Reporting Thanks. The payment was successfully made. INVOICE #: 102938 AMOUNT: $10,000.98 NAME: ANDRZEJ SUPE… Feb/16/2009 11:55:31 AM Mobile Wallet Key Functions Account balance & transaction history Funds transfer and bill payments Remittance AirTime reload SVA Account Alerting Cash-in, Cash-out @ATM POS Purchase Link to pre paid virtual/physical Visa/Mastercard © 2012 SAP AG. All rights reserved. 11
  • 12. Mobile in Corporate Banking Today: Typical Capabilities • • • • • • • • • • • • • • Account balances and details Current day snapshot Alerts / notifications / approvals Funds transfers & bill payments Statement and Check imaging US Fed & Int’l wire initiation ACH payment initiation Positive pay Daily business reporting Customer care and service Audit and reporting Multi-factor authentication Mobile remote deposit capture Near-term evolution: Full parity w/OLB optimized for mobile © 2012 SAP AG. All rights reserved. 12
  • 13. Topics © 2012 SAP AG. All rights reserved. 13
  • 14. Topics  Corporate Banking: Framing the Discussion  Key Trends  Mobile in Corporate Banking Today  What’s Next?  A Banker’s Perspective © 2012 SAP AG. All rights reserved. 14
  • 15. An Invitation to Simplify… SABRE’s rigid complexity… © 2012 SAP AG. All rights reserved. …became Orbitz etc.’s flexible simplicity 15
  • 16. A ‘Heavy Lifting’ Comparison Over 11 Million Files, instantly ‘recognized’; why can’t we do this with file format mapping? © 2012 SAP AG. All rights reserved. 16
  • 17. A Key Step to Simplification: SAP Financial Services Network Banks Corporates Other/FI Specific Analytics and Reporting Master Data Sync Remittance data Corporate cards Payments Integration SAP Financial Services Network Bank Benefits Corporate Benefits  Deepen customer relationships, deliver new services  Extends SAP ERP seamlessly to banks  Rapidly expand client base  Low cost through single integration point © 2012 SAP AG. All rights reserved.  Up-to-date cash visibility  Lower risk, bank agnostic solution  Lower payment rejections 17
  • 18. Emergence of Mobile-originated Receivables Consumers Receivables initiating payment via Mobile (apps, Cash/Courier web, emerging Liabilities Assets POS) Lockbox Mobile for Retail ‘stranded’ Treasury payments & Wholetail Management documents Consumers Wholesale Corporates Initiating, Electronic Approving or Biller Direct Rejecting Payments Merchant Acquirer Svc Businesses SWIFT / EDI / ETC. Enablement Tools (ERP, Corp OLB, etc.) Payables Disbursement Checks / Positive Pay ACH Fedwire Gov’t (Tax, etc.) Online Billpay Other Enterprise Functions Remit. Advice HR IT Sales Supply Chain Service Procure Suppliers Mail EDI / SWIFT / ETC. Employees © 2012 SAP AG. All rights reserved. 18
  • 19. Mobile Originated or Approved Disbursements Receivables Cash/Courier Assets Lockbox WorkflowPayables & entitlement mapping toDisbursement ‘right’ Liabilities individual Checks / Positive Pay Retail Wholetail Consumers Wholesale Electronic Biller Direct Merchant Acquirer Svc Businesses SWIFT / EDI / ETC. ACH Treasury Management Enablement Tools (ERP, Corp OLB, etc.) Other Enterprise Functions HR IT Sales Supply Chain Service Procure Fedwire Mobileoriginated(Tax, Gov’t ‘Pull’ etc.) disbursements Online Billpay Payroll to Mobile (prepaid Remit. value card or Advice store) Mail Suppliers EDI / SWIFT / ETC. Employees © 2012 SAP AG. All rights reserved. 19
  • 20. Creating a Better Corporate Banking Experience Receivables Payables Cash/Courier Assets Disbursement Liabilities Lockbox Checks / Positive Pay Retail ACH • Scheduled Wholetail Consumers Treasury & event-triggered notifications Fedwire Management Enablement Tools • Mobile-accessed Analytics Wholesale (ERP, Corp OLB, etc.) • Online Billpay Industry-specific applications Electronic • Mobile Biller Direct Other Enterprise tools forFunctions all stakeholders customer, and ecosystem) Merchant HR Sales Service Acquirer Svc • Document/process workflows Businesses Gov’t (Tax, etc.) mobile SWIFT / EDI / ETC. IT Supply Chain Procure (internal, Remit. Advice Suppliers Mail extend to EDI / SWIFT / ETC. Employees © 2012 SAP AG. All rights reserved. 20
  • 21. Banks Just Beginning to Embrace Enterprise Mobility HR Analytics Service SAP Employee Lookup SAP HR Approvals SAP Interview Assistant SAP Learning Assistant SAP CRM Service Manager * SAP Leave Request SAP Manager Insight SAP Timesheet SAP Travel Expense Approval* SAP Travel Expense Report* SAP Replication Manager SAP ERP Order Status SAP CRM Sales SAP Customer and Contacts SAP Customer Briefing Sales © 2012 SAP AG. All rights reserved. SAP Payment Approvals SAP Customer Financial Fact Sheet* SAP GRC Policy Survey SAP RealSpend SAP Travel Receipt Capture* SAP Cart Approval SAP Sanctioned -Party List Industry SAP Travel Expense SAP Approval* Travel Expense Report* SAP ERP SAP SAP SAP InCustomer Retail PolicyStore Order Execution holder Product Entry Lookup Lookup SAP Sales Order Notification SAP Material Availability SAP GRC Access Approver* SAP Business Objects Mobile SAP TDMS Manager Information Technology SAP Customer Financial Fact Sheet* SAP Business Objects Explorer SAP Work Manager * SAP Strategy Management SAP Travel Receipt Capture* Finance SAP Retail Store Ops Manager SAP SAP SAP Clinical mCommerce EMR Task Unwired Tracker SAP Rounds Manager SAP Visual Enterprise Viewer SAP Transport Notification and Status SAP Transport Tendering Supply Chain & Procurement SAP Work Manager * SAP Inventory Manager SAP Service Manager* SAP EHS Safety SAP ERP Issue Quality Issue Manufacturing 21
  • 22. Bank Employees Need Apps to Drive Corporate Banking Customer Engagement and Sales Enablement Portfolio Wealth Management Loan Origination Key Functions • • • • Key Functions A single tablet app for all phases of the origination process Reduces the length of the origination process and the amount of paper output Improves decisions through analytic utilities Increases customer satisfaction thru full visibility across the origination landscape • • • • Financial advisers, relationship managers analysis and reporting on clients’ portfolios advisory tools, scenario analysis and financial calculators Alerts and notifications for news events, market-moving activities, etc. Sales Force Enablement Key Functions • • • • • © 2012 SAP AG. All rights reserved. Single view of the customer Cross-sell/up-sell referral management Opportunity management Knowledge management Visual performance and sales management analysis 22
  • 23. Mobile-centric portal enablement Adaptive user experience for consuming mobile-ready content and services on any digital devices with Bank- and stakeholder-managed UI’s Workspaces on tablet Portal on smartphone Portal on tablet Mobile Homepage Custom mobile framework Cloud Portal on tablet PCM on tablet Portal Portfolio Portal Core © 2012 SAP AG. All rights reserved. Collaboration & Social Content Management Usability, ExternalFacing Cloud Portal 23
  • 24. Enterprise App Stores—for the Bank and its Clients ■ Company-branded app store ■ Tightly integrated with IT landscape at the customer ■ Available on every device of every Bank’s employees Making it easy for users to interact with enterprise mobile offerings o Start with Mobile Apps o ■ Available for ecosystem of the Bank’s customers: o o o © 2012 SAP AG. All rights reserved. Corporate end consumers Customers Other ecosystem partners 24
  • 25. Mobility Solutions for Bank Employees Customer and Business Analytics Bankers Executive Dashboard Key Functions Provide executive bankers with a real time overview of the health of their organization Self service dashboards are available for the CEO, CFO, CRO, COO and Head of Sales Quickly gain insights into the current state of organization ondevice, ask the right questions at the right time and react in real time to dynamic business conditions. © 2012 SAP AG. All rights reserved. 25
  • 26. Secure Sharing & Acting on Any Mobile Documents Key Files - Any Device Mobilize Enterprise Content Share Key Files Discover and access content from corporate document management systems. Share files with teams, colleagues, and business partners from anywhere. iWork HTTP XML Access personal content instantly on your preferred device. © 2012 SAP AG. All rights reserved. 26
  • 27. Multi-faceted Mobile App Security Mobile Device Management Mobile Application Management  Device-level  Course-grain management, control, and security policies  Typically requires device client  Ideal for corporate-managed devices  Difficult to separate corporate data from personal data  Application-level  Fine-grain management, control, and security policies  No device client  Ideal for corporate-managed, unmanaged, and BYOD devices  Completely separates corporate data from personal data Net concept: Net concept:  Focus is on the device  Focus is on the app and its data © 2012 SAP AG. All rights reserved. 27
  • 28. Mobile is Central to a Better-Run Corporate Bank • Receivables Multichannel Payables portals for Digital Access / Consumption of apps/content Cash/Courier • Disbursement Liabilities Assets Mobile tools for all stakeholders (internal, Checks / Lockbox Positive Pay customer, and ecosystem) Retail • Consumers Segment, LOB and department-specific Treasury Wholetail Management applications Enablement Tools Wholesale (ERP, Corp OLB, etc.) ACH Gov’t (Tax, etc.) Fedwire Online Billpay mobile • Document/process workflows extend to drive toward STP Other Enterprise Electronic • Biller Direct Mobile can and will contribute to Compliance and Remit. Advice Merchant Security Mail Functions Acquirer Svc • Businesses to HR Sales Suppliers Service Process streamlining to meet End-user EDI / SWIFT SWIFT / / ETC. IT Supply Procure EDI / ETC. expectations Chain Employees © 2012 SAP AG. All rights reserved. 28
  • 29. Topics  Corporate Banking: Framing the Discussion  Key Trends to Consider  Mobile in Corporate Banking Today  What’s Next?  A Banker’s Perspective: SVP Cash Mgmt © 2012 SAP AG. All rights reserved. 29
  • 30. Thank You!