With the uptake of smart devices and smart sensors, we are creating a huge hype of data which makes usage of Big Data and AI inevitable. Smart services, which will be a step forward to IoT, will learn our intents and preferences to evolve and adapt into our lives. Physical contents and interfaces will not be enough for the users, so emotional and physilogical ones are on their way.

1. industrial revolution
of
connected experiences
Kerem Abuc
Mobile Financial Services
November 2015, malaysia

2. 2
TURKIYE - 80mn Population
%24 btw 0-15 ages ; %25 btw 15-35 ages; %7,9 65+
over %45 SP penetration
36M Facebook users
#7 rank in the world

3. Garanti: Pre-eminent banking franchise
Controlled by 2 powerful
entities
Total Assets
US$ 99.9 bn
6M15 Net Income
US$ 778 mn
Branch network
1011
# of employees
19,201 & # of customers
~13.7 mn
Market capitalization
US$ 10.8 bn
2nd largest private bank; by asset size
#1 in ordinary banking income
relationship banking with broad geographical
coverage and wide multi-channel distribution network
Customer centric approach, sophisticated
segmentation
One of the Most valuable company
in the BIST (Exchange Entity of Turkey) 3
%39.9 share - BBVA
%10.0 share - Dogus Holding Co.

4. • 1011* Branches
• 100% Geographic
Coverage
Branch Network Internet Banking
• ~2.7 mn active Internet banking users
• ~127 mn financial transactions/year
• public site garanti.com.tr has 6mn
unique visitors/month
• ~50 mn contacts/year
• 3 mio products sold/year
• ASR - self service speech
enabled trx
Mobile Banking
• 2.1 mn active mobile users
• 1mn+ only mobile
• 5.5 mn+ download
• %27 market share
• 200+ different trx
• 40 mn financial trx/year
Call Center
Social Media
• 3.3 mn Facebook followers
(#1 financial instutition in
Europe)
•Business generation through
social (loan applicacation etc.)
• 4.186 ATMs (1060 re-cycle)
• 5.1 mio active users
• 111% cash deposit/withdrawal (coin
dispenser)
• Cardless transactions for non-bank
customers
ATM
OMNI-CHANNEL approach
3.7 mn digital customers
30% of all product sales through digital
%43 of active customer - digital active
4

5. AGENDA
• Uptake of smart devices & sensors
• Paradigm Shift
• Living Services
• Global Cases
• What we do in Garanti
• What to expect in the future for digital banking
• Key Takeaways
5

6. Daily life with mobile
6

7. More people own a cell phone than a toothbrush
7

8. 8

9. 9
Paradigm shift
desktop web
mobilization
internet of things
living services
“Digitization of everything &
liquid customer expectations”

10. 10
Increasing bandwith

11. 11
power of data
UBER based on crowd sourcing
• finds the most suitable driver
• fares are calculated automatically acc. to traffic
conditions and journey times
• applied for a patent on Big Data method-
informed pricing , called surge pricing.
“%90 of the data in the world today - created in last 2 years” With this huge heap
of data, cloud usage becomes inevitable

12. 12
Learn and evolve
A step forward to Big Data is AI
Systems learning the needs, intents and preferences
Flex and adapt to make themselves more relevant,
engaging and useful like;
• Chappie - first mobile police force
• Baymax - first robotic nurse tracks health
Living services learn and evolve

13. 13
One size fits all, does it?
Contextual
Services
social graph
connections
Facebook
personal graph
personality
interest graph
what you like
Amazon recommendations
behavior graph
what you actually do
iOS9 - Music app

14. 14
wild gunman
“You mean you have to
use your hands. That’s
like a baby’s toy ”
• voice, gesture and sensors on the
body
• not only physical content but also
on emotional and physiological

15. 15
GESTURES
Make our customers'
lives easier and always
be at reach by offering
them new value-added
applications

16. 16
LIVING Services
Why do I have to check all of them?
When there is no one integrated living services

17. 17
LIVING Services
Money
Digit & BillGuard
Shopping
Leisure
Time
Health
Apple watch
Agriculture
Cities
Home &
Office
Transportation
Energy

18. 18
banks, not disrupted yet?

19. 19
not disrupted yet?
Uber & MasterPass enables customer to pay
without even making the payment

20. smart watches
20
fund transfer
acc. balances
recent trx
bill payments
merchant payments
cardless cash
CIBC Canada
Commonwealth
Levelup
24me

21. glass wares
21
voice & image recognition
nodding head gesture
eaze - NOD to pay

22. Beacons
22
PayPal anounced
check-in and pay via
Beacon in 2013
not successful so far

23. Garanti Bank IoT applications
23
Google Glass
Save Now
Campaigns
Notifications
Market Information
Smart Watch
(Sony, Gear, Apple Watch)
Save Now
Notifications
Market Information
Discounts & Campaigns
Navigation to nearest branch/atm
Smart Car & TV
Market Information
Market Commentaries
Navigation to nearest branch/atm
BLE (iBeacon)
Location based notification

24. Garanti Bank as a Living Service
24
Location Based Notifications
Customized & Personalized Dashboard
Money Management
Offers from favourite brand
*Based on the scheduled payments for the current month combined with the user’s past spending and income data,
iGaranti estimates the remaining money in user’s account for the rest of the month.

25. 25
future of banking
• Beacon and location based systems
integrated with Branch & ATM
• Oculus Rift & Video call
enriched branch experience

26. 26
future of banking
• Integrated with other services
even with the ones not
related with banking
• Open API platform
• Creating living services that
runs behind the scene
invisible banking

27. 27
future of banking
any connected device
• served at any connected device even full body bank application
• be whereever customer is
full body bank application?

29. AGENDA
• Uptake of smart devices & sensors
• Paradigm Shift
• Living Services
• Global Cases
• What we do in Garanti
• What to expect in the future for digital banking
• Key Takeaways
29

30. 30
3 essentials of Digital service
they shouldn’t care about what technology is being used
Customer exp should be simple

31. 31
3 essentials of Digital service
40 m stolen credit cards
Customer needs security

32. 3 essentials of Digital service
customer needs smart solutions and contextual services
32

33. 33
while creating the Digital service
Be the leader not the follower!
You will create the product which will
generate the Demand
be the leader create the path

34. 34
ThankS for creating this
world for us
martin cooper Steve jobs

35. Kerem Abuc
Abucov
tr.linkedin.com/in/keremabuc
abuc.kerem@gmail.com
Thank you very much
and
stay Connected
For the presentation
http://bit.ly/1Mg2Hqm