2. INNOVATION

3. SUSTAINABLE

4. see
INNOVATION
as a key priority for growth97%of CEOs

5. BANKING
LANDSCAPE

6. EVOLVED

7. RM
1990s 2016

8. SHIFT

9. DIFFERENT
Digital Savvy
They make digital
technology part of all
dimensions in their life.
Mobile access is the key.
Traditional
They rely on
traditional channels
& interactions.

10. in the 21st century…
WINNING
is becoming more CHALLENGING

11. STRATEGY
to deal with this transforming landscape

12. More banks have an
innovation strategy than
before
37%
73%
13%
84%
More banks are increasing
their innovation investment
2009
2015
Source : Efma-Infosys Financle @2014. The Financial Brand
INNOVATION

13. FOCUS

14. innovation.
E.g. products & services,
channels, processes, sales &
marketing.
reduce operations cost & achieve
sustainable & profitable growth.

15. CHALLENGES

16. 1
2
3
Failure to innovate would cause businesses
to lose market share.
….large sum of money to comply with new
requirements.

17. BANK RAKYAT’S EXPERIENCE

18. Cultural Transformation
INSPIRE (Leadership Competencies)
Innovation Day
Ceramah Budaya RAKYAT
Products & Services
Poket (apps for staff)
e-Current Account / 1pay
e-Application / e-Statement
System & Process
Fast approvals (Quick Cash)
e-document & e-minutes
Liga KAIZEN
Channels & Experience
Agent Banking
Café Banking
Social media
(Facebook , Instagram, Linkedln, Youtube)

19. IT BLUEPRINT
(CORE BANKING SYSTEM)

20. and
WILLINGNESS
DRIVE

21. “Leading innovation is not
about getting people to follow
you into the future,
IT IS ABOUT GETTING
PEOPLE TO CO-CREATE IT
WITH YOU.”
Linda A. Hill
Harvard Business School