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BRIDGENING the technological GAP THE RISE OF THE UNIVERSAL BANKER
ONLINE 
BRANCH 
Convenient 
Efficient 
…needs to keep up
MULTICHANNEL 
ATM 
CALL ONLY 
ONLY 
WEB 
ONLY 
BRANCH 
ONLY 
is the experience consistently GOOD? 
source: ClickFox © May 2014 The Financial Brand
• ISSUE 
• QUESTION 
• NEED 
why does one come to the branch 
when all transactions could be done on their own 
Unsolved
what are the opportunities 
what are the challenges 
• SOLVER 
• FOUNDER 
• EXPERT 
Expectations
Capable 
Trained Flexible 
SERVICE COUNSEL 
UNIVERSAL 
BANKER 
Nimble 
Knowledgeable Respectful
Features for customer 
RIGHT TOOL 
✓All information 
✓Direct interaction 
✓Expert guidance 
Tools for banker 
Being a great person is not enough anymore
CUSTOMER 
ALREADY 
DECIDED 
Do you address customer’s specific situation? 
source: Gallup © December 2014 The Financial Brand 
CONSIDERING 
BUT NEED 
PROMPTING 
HADN’T 
CONSIDERED AT ALL
SATISFIED VS ENGAGED 
45% will consider you 
next time 
83% plus more likely 
to add products & services 
source: Gallup © December 2014 The Financial Brand
Don’t just t rack customer data 
• RECOMMEND 
• RESPOND 
• ADAPT 
“For example, a banker can see when a customer carries a high 
balance in a checking account and how they may be better served 
putting some of that money in a higher-yield instrument like a CD 
or a Money Market account.” 
source: http://bit.ly/1yzunie The Financial Brand 
CRM
Go paperless 
✓Generate right 
awareness 
✓Send directly 
✓Deepen 
conversation 
VS 
• Generic 
• Litter 
• Is not on-demand 
available to 
customer
DIGITAL 
PRESENCE 
NOT WHAT YOU WANT TO SAY 
WHAT DOES THE CUSTOMER 
WANT TO HEAR 
is it relevant? 
Is it easy to find st uff? 
Is it up-to-date? 
is it easy 
to take action?
BOTTOM LINE: BRANCH EXPERIENCE 
CONSISTENT WITH DIGITAL 
“When the consumer comes through the doors, 
the universal banker is expected to 
quickly analyze the consumer’s 
needs, access their financial 
data and provide answers 
and solutions on the spot.” 
embrace the transformative power of technology to actually deepen 
relationships with consumers! 
source: http://bit.ly/1yzunie The Financial Brand
THANK YOU 
all you need to know about banking 
https://TheFinancialBrand.com 
Read the full article @ http://bit.ly/1yzunie 
https://flaticon.com 
amazing icons 
https://linkedin.com/in/gubochkin 
geeks out about modern banking & presentations

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The Rise of the Universal Banker

  • 1. BRIDGENING the technological GAP THE RISE OF THE UNIVERSAL BANKER
  • 2. ONLINE BRANCH Convenient Efficient …needs to keep up
  • 3. MULTICHANNEL ATM CALL ONLY ONLY WEB ONLY BRANCH ONLY is the experience consistently GOOD? source: ClickFox © May 2014 The Financial Brand
  • 4. • ISSUE • QUESTION • NEED why does one come to the branch when all transactions could be done on their own Unsolved
  • 5. what are the opportunities what are the challenges • SOLVER • FOUNDER • EXPERT Expectations
  • 6. Capable Trained Flexible SERVICE COUNSEL UNIVERSAL BANKER Nimble Knowledgeable Respectful
  • 7. Features for customer RIGHT TOOL ✓All information ✓Direct interaction ✓Expert guidance Tools for banker Being a great person is not enough anymore
  • 8. CUSTOMER ALREADY DECIDED Do you address customer’s specific situation? source: Gallup © December 2014 The Financial Brand CONSIDERING BUT NEED PROMPTING HADN’T CONSIDERED AT ALL
  • 9. SATISFIED VS ENGAGED 45% will consider you next time 83% plus more likely to add products & services source: Gallup © December 2014 The Financial Brand
  • 10. Don’t just t rack customer data • RECOMMEND • RESPOND • ADAPT “For example, a banker can see when a customer carries a high balance in a checking account and how they may be better served putting some of that money in a higher-yield instrument like a CD or a Money Market account.” source: http://bit.ly/1yzunie The Financial Brand CRM
  • 11. Go paperless ✓Generate right awareness ✓Send directly ✓Deepen conversation VS • Generic • Litter • Is not on-demand available to customer
  • 12. DIGITAL PRESENCE NOT WHAT YOU WANT TO SAY WHAT DOES THE CUSTOMER WANT TO HEAR is it relevant? Is it easy to find st uff? Is it up-to-date? is it easy to take action?
  • 13. BOTTOM LINE: BRANCH EXPERIENCE CONSISTENT WITH DIGITAL “When the consumer comes through the doors, the universal banker is expected to quickly analyze the consumer’s needs, access their financial data and provide answers and solutions on the spot.” embrace the transformative power of technology to actually deepen relationships with consumers! source: http://bit.ly/1yzunie The Financial Brand
  • 14. THANK YOU all you need to know about banking https://TheFinancialBrand.com Read the full article @ http://bit.ly/1yzunie https://flaticon.com amazing icons https://linkedin.com/in/gubochkin geeks out about modern banking & presentations