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DIGITAL BANKING essentials
Digital banking is not a one time investment;
It is a multi-year journey
to transform how banks interact with customers in the digital age
TRANSFORMATION AREA
1.	
  Leadership	
  
2.	
  Customer	
  Experience	
  
3.	
  Informa:on	
  
4.	
  Opera:onal	
  Model	
  
5.	
  Workforce	
  
WORKFORCE	
  OPERATIONAL	
  
MODEL	
  
INFORMATION	
  CUSTOMER	
  
EXPERIENCE	
  
LEADERSHIP	
  
TRANSFORMATION	
  AREA	
  
develop	
  &	
  execute	
  
digital	
  vision	
  
omni-­‐channel	
  
experience	
  
informaAon	
  as	
  a	
  
service	
  
operaAonal	
  
readiness	
  
empower	
  connect	
  
leverage	
  talent	
  
KEY DIGITAL REVOLUTION DRIVER
1.	
  Customer	
  Behavior	
  
2.	
  Technology	
  Innova:on	
  
3.	
  Landscape	
  of	
  Compe::on	
  
You	
  have	
  got	
  to	
  start	
  with	
  the	
  
CUSTOMER	
  EXPERIENCE	
  
and	
  	
  work	
  back	
  toward	
  the	
  technology	
  –	
  	
  
not	
  the	
  other	
  way	
  around.	
  
“ “
CUSTOMER	
  BEHAVIOR	
  
SINGLE	
  CHANNEL	
  
BANK	
  CENTRIC	
  
MULTI	
  CHANNEL	
  
BANK	
  CENTRIC	
  
OMNI	
  CHANNEL	
  
CUSTOMER	
  CENTRIC	
  
CUSTOMER	
  EXPERIENCE	
  TRANSFORMATION	
  
CUSTOMER	
  BEHAVIOR	
  
CUSTOMER	
  INTELLIGENCE	
  
CUSTOMER	
  BEHAVIOR	
  
360°	
  view	
  of	
  customer	
  across	
  
	
  
products	
  	
  	
  	
  	
  devices	
  	
  	
  	
  	
  channels	
  	
  	
  	
  	
  other	
  touch-­‐points	
  
	
  	
  	
  	
  	
  	
  	
  collect	
  
	
  	
  	
  	
  	
  	
  	
  iden:fy	
  
	
  	
  	
  	
  	
  	
  	
  manage	
  
	
  	
  	
  	
  	
  	
  	
  distribute	
  4	
  
1	
  
2	
  
3	
  
TECHNOLOGY INNOVATION AS ENABLER
1.	
  Enterprise	
  Service	
  Bus	
  
2.	
  Big	
  Data	
  Analy:c	
  
3.	
  On-­‐demand	
  Compu:ng	
  
Enterprise	
  	
  
Service	
  Bus	
  
Enterprise	
  	
  
Service	
  Bus	
  
Backend	
  /	
  Host	
  /	
  3rd	
  Party	
  
	
  
Core	
  	
  	
  	
  	
  Card	
  	
  	
  	
  	
  Loan	
  	
  	
  	
  	
  Collec:on	
  	
  	
  	
  	
  SKN	
  	
  	
  	
  	
  RTGS	
  	
  	
  	
  	
  SWIFT	
  
Bank	
  Assurance	
  	
  	
  	
  	
  Bill	
  Payment	
  	
  	
  	
  	
  Treasury	
  	
  	
  	
  	
  RemiZance	
  	
  	
  	
  	
  Other	
  
Data	
  Warehouse	
  /	
  Big	
  Data	
  /	
  Analy:c	
  
	
  
Master	
  Data	
  	
  	
  	
  	
  ETL	
  	
  	
  	
  	
  HDFS	
  	
  	
  	
  	
  Map	
  Reduce	
  	
  	
  	
  	
  Report	
  	
  	
  	
  	
  Dashboard	
  
Enterprise	
  	
  
Service	
  Bus	
  
Conven:onal	
  Channels	
   Digital	
  Channels	
  Other	
  Touch-­‐points	
  
G	
  
O	
  
V	
  
E	
  
R	
  
N	
  
A	
  
N	
  
C	
  
E	
  
S	
  
E	
  
C	
  
U	
  
R	
  
I	
  
T	
  
Y	
  
TECHNOLOGY	
  INNOVATION	
  AS	
  ENABLER	
  
On-­‐demand	
  Compu:ng	
  Pla]orm	
  
	
  
Infrastructure	
  as	
  a	
  Service	
  	
  	
  	
  	
  Pla]orm	
  as	
  a	
  Service	
  	
  	
  	
  	
  High	
  Availability	
  
ALL NEW LANDSCAPE OF COMPETITION
1.	
  Peer	
  Banks	
  
2.	
  Telcos	
  
3.	
  Technology	
  Companies	
  
4.	
  Startups	
  
Local	
  Bank	
  
Conven:onal	
  Bank	
  
Sharia	
  Bank	
  
Foreign	
  Bank	
  
Telkomsel	
  
Indosat	
  
XL	
  
Smar]ren	
  
Google	
  Facebook	
  
Apple	
  
Paypal	
  
cekaja	
  mobil123	
  
veritrans	
  
jojonomic	
  aturduit	
  
LANDSCAPE	
  OF	
  COMPETITION	
  
rumah.com	
  
PRE	
  DIGITAL	
  
DIGITAL	
  
Samsung	
  
TAKEAWAYS
Enterprise-­‐wide	
  commitment	
  is	
  mandatory	
  to	
  start	
  the	
  journey	
  
	
  
Inevitable	
  transforma:on	
  includes:	
  
Internal	
  –	
  execuAve	
  board,	
  operaAonal	
  model,	
  and	
  workforce	
  empowerment	
  
External	
  –	
  customer	
  experience	
  and	
  informaAon	
  management	
  
	
  
Leverage	
  the	
  technology	
  to	
  understand	
  customer	
  beZer	
  than	
  himself	
  
	
  
CompeAAon	
  is	
  fierce,	
  embrace	
  partnerships	
  and	
  make	
  the	
  brand	
  stronger	
  

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Digital Banking Essentials

  • 2. Digital banking is not a one time investment; It is a multi-year journey to transform how banks interact with customers in the digital age
  • 3. TRANSFORMATION AREA 1.  Leadership   2.  Customer  Experience   3.  Informa:on   4.  Opera:onal  Model   5.  Workforce  
  • 4. WORKFORCE  OPERATIONAL   MODEL   INFORMATION  CUSTOMER   EXPERIENCE   LEADERSHIP   TRANSFORMATION  AREA   develop  &  execute   digital  vision   omni-­‐channel   experience   informaAon  as  a   service   operaAonal   readiness   empower  connect   leverage  talent  
  • 5. KEY DIGITAL REVOLUTION DRIVER 1.  Customer  Behavior   2.  Technology  Innova:on   3.  Landscape  of  Compe::on  
  • 6. You  have  got  to  start  with  the   CUSTOMER  EXPERIENCE   and    work  back  toward  the  technology  –     not  the  other  way  around.   “ “ CUSTOMER  BEHAVIOR  
  • 7. SINGLE  CHANNEL   BANK  CENTRIC   MULTI  CHANNEL   BANK  CENTRIC   OMNI  CHANNEL   CUSTOMER  CENTRIC   CUSTOMER  EXPERIENCE  TRANSFORMATION   CUSTOMER  BEHAVIOR  
  • 8. CUSTOMER  INTELLIGENCE   CUSTOMER  BEHAVIOR   360°  view  of  customer  across     products          devices          channels          other  touch-­‐points                collect                iden:fy                manage                distribute  4   1   2   3  
  • 9. TECHNOLOGY INNOVATION AS ENABLER 1.  Enterprise  Service  Bus   2.  Big  Data  Analy:c   3.  On-­‐demand  Compu:ng  
  • 10. Enterprise     Service  Bus   Enterprise     Service  Bus   Backend  /  Host  /  3rd  Party     Core          Card          Loan          Collec:on          SKN          RTGS          SWIFT   Bank  Assurance          Bill  Payment          Treasury          RemiZance          Other   Data  Warehouse  /  Big  Data  /  Analy:c     Master  Data          ETL          HDFS          Map  Reduce          Report          Dashboard   Enterprise     Service  Bus   Conven:onal  Channels   Digital  Channels  Other  Touch-­‐points   G   O   V   E   R   N   A   N   C   E   S   E   C   U   R   I   T   Y   TECHNOLOGY  INNOVATION  AS  ENABLER   On-­‐demand  Compu:ng  Pla]orm     Infrastructure  as  a  Service          Pla]orm  as  a  Service          High  Availability  
  • 11. ALL NEW LANDSCAPE OF COMPETITION 1.  Peer  Banks   2.  Telcos   3.  Technology  Companies   4.  Startups  
  • 12. Local  Bank   Conven:onal  Bank   Sharia  Bank   Foreign  Bank   Telkomsel   Indosat   XL   Smar]ren   Google  Facebook   Apple   Paypal   cekaja  mobil123   veritrans   jojonomic  aturduit   LANDSCAPE  OF  COMPETITION   rumah.com   PRE  DIGITAL   DIGITAL   Samsung  
  • 13. TAKEAWAYS Enterprise-­‐wide  commitment  is  mandatory  to  start  the  journey     Inevitable  transforma:on  includes:   Internal  –  execuAve  board,  operaAonal  model,  and  workforce  empowerment   External  –  customer  experience  and  informaAon  management     Leverage  the  technology  to  understand  customer  beZer  than  himself     CompeAAon  is  fierce,  embrace  partnerships  and  make  the  brand  stronger