This e-paper deals with the future of intermediaries in the distribution of products and services for financial service providers.

1. 3 BUILDING BLOCKS FOR FINANCIAL
SERVICES TO GO FROM DISINTERMEDIATION
TO DIGIMEDIATION
Digital Business Management (DBM) with BRM Software

2. This e-paper deals with the future
of intermediaries in the distribution
of products and services for
financial service providers.
Digital Business Management (DBM) with BRM Software
Intermediation
Direct

3. In the end everybody will buy
online right?
DO WE STILL NEED
INTERMEDIARIES
IN A DIGITALIZED
WORLD?
Digital Business Management (DBM) with BRM Software

4. Digital Business Management (DBM) with BRM Software
YES WE DO. BUT PROBABLY NOT LIKE WE USE TO
'INTERMEDIATE'

5. Digital Business Management (DBM) with BRM Software
TODAY, WE ARE NOT YET READY.
IT WILL TAKE SOME TIME

6. They are actually placing calls
to their banks at 1.7 times
the rate of older users.
1. MILLENNIALS
STRUGGLE WITH
ONLINE BANKING*
Digital Business Management (DBM) with BRM Software
* Based on a blog post from @OliviaBlondeau (consultant @VODW Brussels)
and research done by Bain & Company.

7. Granted, they are less likely to
use smartphones and tablets to
bank.
2. SENIOR
CUSTOMERS RATE
MOBILE BANKING
VERY POSITIVELY*
Digital Business Management (DBM) with BRM Software
* Based on a blog post from @OliviaBlondeau (consultant @VODW Brussels)
and research done by Bain & Company.

8. Customers of all ages mostly
call or visit their banks to get
support with routine operations.
3. ROUTINE
TRANSACTIONS
MAKE UP MOST
OF TELLERS AND
BRANCHES’
VOLUME*
Digital Business Management (DBM) with BRM Software
* Based on a blog post from @OliviaBlondeau (consultant @VODW Brussels)
and research done by Bain & Company.

9. Digital Business Management (DBM) with BRM Software
BUT GET PREPARED NOW, DIGIMEDIATION IS
INEVITABLE.

10. Digital Business Management (DBM) with BRM Software
THREE BUILDING BLOCKS TO GO FROM DISINTERMEDIATION
TO DIGIMEDIATON.
1. Align your business plan
on a digital platform.
2. Build a digital
B2B partnership.
3. Use data to
jointly grow.

11. Align your business plan on a digital platform.1
Digital Business Management (DBM) with BRM Software
TODAY: DISINTERMEDIATION
• No alignment between HQ and agent.
• No structured follow-up of business plans.
• No visualization of business plans.
A
B
?
?
?
?
?
A
B
TOMORROW: DIGIMEDIATION
• Collaboration of Sales & Marketing
planning in a digital way.
• Business partners can follow-up and
collaborate in a digital way.
• Visualization and sharing of relevant
data and business information.

12. Build a digital B2B partnership.2
Digital Business Management (DBM) with BRM Software
TODAY: DISINTERMEDIATION
• Regular one2one physical visits between
accountmanagers and agents.
• Lead management is disconnected from
different systems.
TOMORROW: DIGIMEDIATION
• Permanent digital connection between
(desk) accountmanagers and agents.
• Lead management is integrated between
headquarters and agent.

13. Use data to jointly grow.3
Digital Business Management (DBM) with BRM Software
TODAY: DISINTERMEDIATION
• No centralized point of information
between parties.
• Little data sharing.
TOMORROW: DIGIMEDIATION
• One centralized point of information
between parties.
• Daily relevant data sharing.

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