apidays LIVE India 2022: Accelerating India’s digitisation with APIs May 11 & 12, 2022 Industrialising banking Mohan Bhatia, Author of "Banking 4.0: The Industrialised Bank of Tomorrow" ------------ Check out our conferences at https://www.apidays.global/ Do you want to sponsor or talk at one of our conferences? https://apidays.typeform.com/to/ILJeAaV8 Learn more on APIscene, the global media made by the community for the community: https://www.apiscene.io Explore the API ecosystem with the API Landscape: https://apilandscape.apiscene.io/ Deep dive into the API industry with our reports: https://www.apidays.global/industry-reports/ Subscribe to our global newsletter: https://apidays.typeform.com/to/i1MPEW

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3. Why are the Banks Industrialising?
Intelligent and human machines
High Cost to Income Ratio- Low Interest Rate
Regime
Technology Savvy Regulators-
Conduct Risk- Risk and Compliance Requirements
Marketplaces
Fintech
• Customers - Generation Z
• From Self Service to Digital Experience to delightful experience
• Value addition by banks in customer journey
• Shifted their residence to marketplace
• Technology Developments
• Infrastructure Cloud to Software as a Service to Banking as a Service
to Banking AI as a Service
• Industrialisation of Data Platforms
• Automation to Self Service to Intelligent Banking 4.0
Adopted from the book “Banking 4.0: The Industrialised Bank of Tomorrow” by Mohan Bhatia, published by Springer

4. Banking 4.0: Journey from Automation to Industrialisation
Adopted from the book “Banking 4.0: The Industrialised Bank of Tomorrow” by Mohan Bhatia, published by Springer

5. Banking 4.0: The Industrialised Bank of Tomorrow
Adopted from the book “Banking 4.0: The Industrialised Bank of Tomorrow” by Mohan Bhatia, published by Springer

6. Intelligent and human machines of the bank
Adopted from the book “Banking 4.0: The Industrialised Bank of Tomorrow” by Mohan Bhatia, published by Springer

7. API Banking Defines Public Persona of Banking 4.0
Deliver Digital Experience
6
Enable Marketplace
Adopted from the book “Banking 4.0: The Industrialised Bank of Tomorrow” by Mohan Bhatia, published by Springer

8. Industrialize to sustain innovation in BAU mode
Illustrative list of innovation to manage high cost to income ratio
7

9. Manual Finance, Risk and
Compliance function at a Bank 3.0
Industrialised Finance, Risk, and
Compliance function at a Bank 4.0
60%
Transaction Collation
10% Decision Support
20%
Control
10% Regulatory Reporting
30 % Predictive Decision
Built on AI/ ML
Empowered Business Users
10% Transaction Collation
10% Control
10% -Regulatory Reporting
Finance, Risk and Compliance
FTE shrinks by 40%
Adopted from the book “Banking 4.0: The Industrialised Bank of Tomorrow” by Mohan Bhatia, published by Springer
Transform Skills and Cost Structures
Case Study: Industrialised Finance, Risk and Compliance

10. This is an iterative process

11. 1. Building Engines of Industrialisation and Innovation
2. Automation of manual tasks as a tactical approach to industrialisation
3. Paying off technical debt and raising capital for Innovation and Banking 4.0
4. Industrializing Data Infrastructure
5. Digitizing Front office and Back office
6. Industrialisation through cloud adoption
Banking 4.0: A Decade dedicated to Innovation
7. Outside in view - Innovation in BAU Mode
8. Platform Banking Business
9. Application Modernization and API as an integration tool
10. Building semantic APIs
11. Conversational banking
12. Banking AI as a Service
13. Fintechs- Innovation hubs and benchmarks
Adopted from the book “Banking 4.0: The Industrialised Bank of Tomorrow” by Mohan Bhatia, published by Springer

12. https://www.linkedin.com/in/mohanbhatia/
https://www.linkedin.com/groups/14025897/
Banking 4.0: The Industrialised Bank of Tomorrow