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BUILDING A SMARTER BANK
RON SHEVLIN
DIRECTOR OF RESEARCH
CORNERSTONE ADVISORS
THERE’S A SUCKER
BORN EVERY MINUTE.
P.T. BARNUM
@RSHEVLIN
IS IBM ABOUT TO
MAKE BANKS
OBSOLETE?
THE MOTLEY FOOL
APRIL 27, 2015
@RSHEVLIN
THE FUTURE OF BANKING IS
MONEY MANAGEMENT,
NOT MONEY MOVEMENT
@RSHEVLIN
THE THREE
FORCES
OF CHANGE
CONSUMERS
TECHNOLOGY
INDUSTRY STRUCTURE
THE
NEW
FINANCIAL
SERVICES
CONSUMER
@RSHEVLIN
@jane Pass the orange juice
@RSHEVLIN
GEN Y IS THE MOST
FINANCIALLY-ENGAGED
GENERATION
@RSHEVLIN
@RSHEVLIN
@RSHEVLIN
@RSHEVLIN
@RSHEVLIN
@RSHEVLIN
@RSHEVLIN
@RSHEVLIN
@RSHEVLIN
@RSHEVLIN
@RSHEVLIN
FORESIGHT
WHAT SHOULD I DO?
INSIGHT
HOW AM I DOING?
OVERSIGHT
WHAT DO I HAVE AND
WHERE IS IT GOING?
@RSHEVLIN
PERSONAL HIERARCHY OF NEEDS
@RSHEVLIN
MASLOW’S
HIERARCHY
OF NEEDS
MOVEMENT
SECURITY
INDUSTRY HIERARCHY OF NEEDS
PERFORMANCE
@RSHEVLIN
MOVEMENT
PERFORMANCE
SECURITY
APIS
BANKING HIERARCHY OF NEEDS
1960 1970 1980 1990 2000 2010 2020 2030
RATES
LOCATION
PERFORMANCE
RATES
COMPETING ON PERFORMANCE
IMPORTANCE
@RSHEVLIN
FINSCORE:
FINANCIAL
PERFORMANCE
SCORE
 CREATES MOMENTS OF
OPPORTUNITY
 TIES PRODUCTS/SERVICES TO THE
“BOTTOM LINE”
 QUANTIFIES BENEFIT/IMPACT OF
FINANCIAL ACTIVITIES
 ESTABLISHES A NEW BASIS OF
COMPETITION
@RSHEVLIN
BANKS WILL BECOME THE
HMOS
OF FINANCIAL SERVICES
THE FUTURE OF
BANKING IS MONEY
MANAGEMENT,
NOT MONEY MOVEMENT
@RSHEVLIN
RON SHEVLIN EMAIL: RSHEVLIN@CRNRSTONE.COM
TWITTER: @RSHEVLIN
BLOG: THEFINANCIALBRAND.COM/SNARKETING
SMARTERBANKBOOK.COM
DIRECTOR OF RESEARCH
CORNERSTONE ADVISORS
HTTP://WWW.CRNRSTONE.COM

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Building a Smarter Bank, with Ron Shevlin