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Digital Banking Essentials

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what is takes, key drivers, technology enabler, and the landscape of competition

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Digital Banking Essentials

  1. 1. DIGITAL BANKING essentials
  2. 2. Digital banking is not a one time investment; It is a multi-year journey to transform how banks interact with customers in the digital age
  3. 3. TRANSFORMATION AREA 1.  Leadership   2.  Customer  Experience   3.  Informa:on   4.  Opera:onal  Model   5.  Workforce  
  4. 4. WORKFORCE  OPERATIONAL   MODEL   INFORMATION  CUSTOMER   EXPERIENCE   LEADERSHIP   TRANSFORMATION  AREA   develop  &  execute   digital  vision   omni-­‐channel   experience   informaAon  as  a   service   operaAonal   readiness   empower  connect   leverage  talent  
  5. 5. KEY DIGITAL REVOLUTION DRIVER 1.  Customer  Behavior   2.  Technology  Innova:on   3.  Landscape  of  Compe::on  
  6. 6. You  have  got  to  start  with  the   CUSTOMER  EXPERIENCE   and    work  back  toward  the  technology  –     not  the  other  way  around.   “ “ CUSTOMER  BEHAVIOR  
  7. 7. SINGLE  CHANNEL   BANK  CENTRIC   MULTI  CHANNEL   BANK  CENTRIC   OMNI  CHANNEL   CUSTOMER  CENTRIC   CUSTOMER  EXPERIENCE  TRANSFORMATION   CUSTOMER  BEHAVIOR  
  8. 8. CUSTOMER  INTELLIGENCE   CUSTOMER  BEHAVIOR   360°  view  of  customer  across     products          devices          channels          other  touch-­‐points                collect                iden:fy                manage                distribute  4   1   2   3  
  9. 9. TECHNOLOGY INNOVATION AS ENABLER 1.  Enterprise  Service  Bus   2.  Big  Data  Analy:c   3.  On-­‐demand  Compu:ng  
  10. 10. Enterprise     Service  Bus   Enterprise     Service  Bus   Backend  /  Host  /  3rd  Party     Core          Card          Loan          Collec:on          SKN          RTGS          SWIFT   Bank  Assurance          Bill  Payment          Treasury          RemiZance          Other   Data  Warehouse  /  Big  Data  /  Analy:c     Master  Data          ETL          HDFS          Map  Reduce          Report          Dashboard   Enterprise     Service  Bus   Conven:onal  Channels   Digital  Channels  Other  Touch-­‐points   G   O   V   E   R   N   A   N   C   E   S   E   C   U   R   I   T   Y   TECHNOLOGY  INNOVATION  AS  ENABLER   On-­‐demand  Compu:ng  Pla]orm     Infrastructure  as  a  Service          Pla]orm  as  a  Service          High  Availability  
  11. 11. ALL NEW LANDSCAPE OF COMPETITION 1.  Peer  Banks   2.  Telcos   3.  Technology  Companies   4.  Startups  
  12. 12. Local  Bank   Conven:onal  Bank   Sharia  Bank   Foreign  Bank   Telkomsel   Indosat   XL   Smar]ren   Google  Facebook   Apple   Paypal   cekaja  mobil123   veritrans   jojonomic  aturduit   LANDSCAPE  OF  COMPETITION   rumah.com   PRE  DIGITAL   DIGITAL   Samsung  
  13. 13. TAKEAWAYS Enterprise-­‐wide  commitment  is  mandatory  to  start  the  journey     Inevitable  transforma:on  includes:   Internal  –  execuAve  board,  operaAonal  model,  and  workforce  empowerment   External  –  customer  experience  and  informaAon  management     Leverage  the  technology  to  understand  customer  beZer  than  himself     CompeAAon  is  fierce,  embrace  partnerships  and  make  the  brand  stronger  

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