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Banks now
have a oncein-a-lifetime
opportunity
to reinvent
themselves
as

The
Everyday
Bank
50%

Digital is driving a
customer experience revolution

Companies like Google, Amazon, Facebook
and Apple have reframed customer
behaviors and attitudes:

Banks can fill
a new strategic role,
designed for the digital era

250%

80%

Provide an intelligent and
meaningful experience

Drive up to

increase in customer
interactions

will go 5-10
minutes out of
their way for a
better price

prefer online
ratings to
advice from
store employees

Human
touch

Customer Interactions

64%

see shopping as
an experience

Wearable
indispensable

Everyday Bank
Ecosystem Model

Omni-channel/
omni-present

Everyday Traditional
Bank
Bank

Build a digital village, leveraging
a nucleus of partners/providers
• SMEs, merchants, suppliers, etc.

Position bank at the center
of customers’ everyday lives
• Ready to fulfill all life needs,
FS & non-FS, as they arise

Bundle dynamically-priced
experiences in real-time

• Create compelling—and
“sticky”—customer experience

Ecosystem creates new roles and
new opportunities for banks

Facilitate
Access

to FS and non-FS
partners

Ecosystem benefits
all stakeholders

Aggregate
Value

through real-time,
dynamically-priced
offerings

Customers

Better experience, more engaged

Provide Advice

Banks

with specific, targeted
buying suggestions

Deeper customer relationships,
new profit pools

Ecosystem partners

Higher sales volume, access to
broader set of customers

Other players (retailers, telcos, etc.)
Opportunity to bundle,
new customer pools

Banks must tune their
“engine” for the digital age
Develop a platform—architecture,
technology, factories—for assembling and
launching new context-based offerings
•
•
•
•
•

Real-time
Able to price dynamically
Open to 3rd-party components
Secure and agile
Low cost to serve

Highly automated front and
back office processes will bring
speed, efficiency and scalability
up to

$
up to

80%

35%

reduced backoffice effort

up to

up to

reduced time
to market

increased operating
income

reduced managed
applications
portfolio

50% 70%
A
mission-critical
decision for banks

With up to 30 percentage points of
revenues at risk, banks who become an
Everyday Bank can expect an overall
difference of 50 percentage points in
operating income versus those who do not.

Revenues
at Risk

Efficiency
Gains
+
Additional
Revenue

© 2014 Accenture All rights reserved.

= 50pp

Accenture can help banks
navigate this complex journey
with a unique set of solutions—
skills, assets and capabilities—
honed through our own
transformation to Digital.

Contact your Client Account
Lead to start the conversation.
To learn more visit:
www.accenture.com/
everydaybank

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Accenture: Everyday Bank Infographic

  • 1. Banks now have a oncein-a-lifetime opportunity to reinvent themselves as The Everyday Bank 50% Digital is driving a customer experience revolution Companies like Google, Amazon, Facebook and Apple have reframed customer behaviors and attitudes: Banks can fill a new strategic role, designed for the digital era 250% 80% Provide an intelligent and meaningful experience Drive up to increase in customer interactions will go 5-10 minutes out of their way for a better price prefer online ratings to advice from store employees Human touch Customer Interactions 64% see shopping as an experience Wearable indispensable Everyday Bank Ecosystem Model Omni-channel/ omni-present Everyday Traditional Bank Bank Build a digital village, leveraging a nucleus of partners/providers • SMEs, merchants, suppliers, etc. Position bank at the center of customers’ everyday lives • Ready to fulfill all life needs, FS & non-FS, as they arise Bundle dynamically-priced experiences in real-time • Create compelling—and “sticky”—customer experience Ecosystem creates new roles and new opportunities for banks Facilitate Access to FS and non-FS partners Ecosystem benefits all stakeholders Aggregate Value through real-time, dynamically-priced offerings Customers Better experience, more engaged Provide Advice Banks with specific, targeted buying suggestions Deeper customer relationships, new profit pools Ecosystem partners Higher sales volume, access to broader set of customers Other players (retailers, telcos, etc.) Opportunity to bundle, new customer pools Banks must tune their “engine” for the digital age Develop a platform—architecture, technology, factories—for assembling and launching new context-based offerings • • • • • Real-time Able to price dynamically Open to 3rd-party components Secure and agile Low cost to serve Highly automated front and back office processes will bring speed, efficiency and scalability up to $ up to 80% 35% reduced backoffice effort up to up to reduced time to market increased operating income reduced managed applications portfolio 50% 70% A mission-critical decision for banks With up to 30 percentage points of revenues at risk, banks who become an Everyday Bank can expect an overall difference of 50 percentage points in operating income versus those who do not. Revenues at Risk Efficiency Gains + Additional Revenue © 2014 Accenture All rights reserved. = 50pp Accenture can help banks navigate this complex journey with a unique set of solutions— skills, assets and capabilities— honed through our own transformation to Digital. Contact your Client Account Lead to start the conversation. To learn more visit: www.accenture.com/ everydaybank