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Viva La Revolution: Why Universal Banking is under siege and what needs to be done.

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The world is experiencing incredible change both politically and technologically where industries are being re-imagined almost daily. Universal Banking is one business model that has been a very profitable business model. However with the changes in customer needs, regulation, technology and the emergence of new competitors this industry is most vulnerable to disruption. Disruption not just from TechGiants like Google and Apple but more so more small starts and an ecosystem of new financial services providers who instead of a head on challenge may be thin slicing the industry into oblivion. All is not lost however there are actions Universal Banks can and must take and this presentation shares some thoughts around these.

Published in: Economy & Finance
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Viva La Revolution: Why Universal Banking is under siege and what needs to be done.

  1. 1. What’s next for Universal Banking under siege? Aman Narain September 2014
  2. 2. We live in interesting times.
  3. 3. Times of incredible change COMMUNICATION MUSIC HOTEL ARCHITECTURE TRANSPORT HEALTHCARE TELECOMS BANKING
  4. 4. Change driven by Technology Innovation. BIG DATA CLOUD LOW COST HIGH FIDELITY INTERNET OF THINGS
  5. 5. Change driven by Technology Standards. WSJ: 25 Dec, 2012
  6. 6. Change driven by Technology Cost. Average Global Smartphone Pricing Trends Global Bandwidth Cost Trends Global Storage Cost Trends @KPCB
  7. 7. EXPERIENCE NOT PRODUCTS PLUG AND PLAY ECOSYSTEMS Change driven by Customers. DIGITAL NOW A HYGIENIE CRITERIA 90 %
  8. 8. ENCOURAGING COMPETITION DRIVING STANDARDS REMOVING ADVANTAGE Change driven by Regulation.
  9. 9. Change driven by Competition. Not them. WSJ: 25 Dec, 2012 UNIVERSAL BANKING
  10. 10. Change driven by Competition. But them. P2P NEO BANKS MASS MARKET WEALTH SMALL BIZ
  11. 11. All this puts Universal Banking under siege...
  12. 12. …and on the slippery slope of commoditization. 1. High Cost to Serve 2. Expensive Real Estate 3. Addiction to People 4. Non Standard Processes 5. Entitlement Culture 6. Overreliance on WalkIns
  13. 13. #1. FOCUS ON A UNIFIED DIGITAL EXPERIENCE NOT OMNI-CHANNEL #2. PIVOT BRANCHES " FROM ORIGINATION TO DELIVERY & DISCOVERY " POWERED BY SOCIAL CONVERSATIONS
  14. 14. #3. FOCUS INVESTMENT ON DATA AND ACCESSIBILITY NOT ON BANKING SYSTEMS AND INFRASTRUCTURE #4. LADDER INVESTMENTS AND PREPARE TO ACQUIRE STARTUPS
  15. 15. #5. BUILD DIGITAL FIRST PRODUCTS & ZERO OPS. #6. MONITIZE DIGITAL
  16. 16. #7. JOIN ECOSYSTEMS AND MASTER CO-OPETITION. #8. SWEAT THE SMALL STUFF & CULTIVATE " THE LONG TAIL OF INNOVATION.
  17. 17. #9. " EMBRACE PRIVACY AND SECURITY TO REPOSITION YOU WITH CLIENTS #10. DESIGN A CULTURE WITH EXPERIENCE & TECHNOLOGY" AT THE" HEART OF " IT ALL.
  18. 18. aman@codeblu.com amanwhotweets www.codeblu.com

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