Digitalizacija v bankah: primeri Nove KBM

1. Banking 4.0
Honouring the past, shaping the future
Nova KBM Group
June 2019
Tolga Yurteri
Digital Banking - NKBM

2. 2
Last 60 years technology evolution
1960 1970 1982 1990 1994 1998 2001 2003 2004 2007 2009 2011 2012 2014 2015 2016 2018
ARPANET
FTP&TCP IP
ETHERNET
INTERNET
WWW
Online
Banking
celluar

3. 3
Digital giants are changing the end users‘ expectations
And they are changing it FAST
ü Book ticket in a minute
ü Book hotel with 2 clicks
ü Send money instantly
ü Reach a news immediately
ü Etc etc…

4. 4
How is the new technologies impacting the banking industry?
Bill Gates in the 1990s “we need banking, but we don’t need banks necessarily”

5. 5
Focus is to enable simple products from digital

6. 6
Trust is the backbone of our actions
Trust
Products &
Pricing
Reach &
Channels User
Experience
Online
Bank
Mobile
Bank
IVR ATMs

7. 7
Route to great user journey
Simplicity
Quick &
easy
Onboarding
Single
Authenticate
& UX
Self Trouble
-shooting
2-click
flow
Simple
Products &
Services
E2E flow

8. 8
We are shifting daily transactions to digital
Branch
Post
ATM
B@N
Mobile
CC
FuturePast Current
Current Transfers&Payments
Digital 86%
Branch 14%
Digital>> Online+Mobile+ATMs

9. 9
What are the critical success factors
ü Flexible
ü Free mind
ü Digital focused
ü Agile
Fintechs
• Less experience
• Less Product focus
• Limited network
• Less trust
ü Trust
ü Variety of products
ü Valuable Network
Banks
ü Flexible
ü Free mind
ü Digital focused
ü Agile
ü Partnerships
ü Inhouse to outsource

10. 10
Next trends
v Open Banking platforms are coming
v Strategic partnerships with start ups
v Analytics > AI > Chatbots
v Virtualised Payments
v Robotic Processing
v Use Cloud technology
v Minimize branch dependency
v Perception

11. 11
HVALA