Invest Bank has changed its relationship with customers, providing the opportunity to gain access to financial services in a simple and safe way. Today all Invest Bank users can use the webcam of any device for identifying themselves in order to validate their data. It’s the beginning of a digital transformation projecting Invest Bank in the future of banking. This first step has been developed based on the Dotidentity solution.

2. INVEST BANCA
Digital revolution in
the investment
services
Dr. Stefano Sardelli
CEO Invest Banca S.p.A.
Managing Director Millennium Sim

4. PROCESS INNOVATION
OPENNESS TO NEW CHANNELS
AND WORK TOOLS
THIS IS INVEST BANCA TODAY

5. Come guardiamo al
futuro?
HOW DO WE LOOK
AHEAD TO OUR
FUTURE?

6. THE TECHNOLOGICAL EVOLUTION HAS CHANGED
THE SOCIAL SETTINGS

7. HABITS HAVE
CHANGED

8. TECHNOLOGY IS THE NEW
UNIVERSAL LANGUAGE

9. THE SAME DEMOGRAPHIC STRUCTURE
IS REMARKABLY CHANGED

10. DEMOGRAPHIC MOVEMENTS SUBSTATIALLY AFFECT THE
ECONOMIC GROWTH OF THE COUNTRIES
AS WELL AS CONSUMPTIONS AND THE HABITS
MOVEMENTS IN POPULATION COMPOSITION
ARE FASTER THAN WE WOULD EXPECT

11. IN THE DEVELOPED COUNTRIES, THE DEMOGRAPHIC
COMPOSITION SHOWS A PREVALING “SLOW AGING” TREND
CONVERSELY, IN THE DEVELOPING WORLD THE
DEMOGRAPHIC COMPOSITION PRIMARILY
CONSISTS OF VERY YOUNG INDIVIDUALS

12. THE «GENERATIONAL» WEALTH TRANSFER:
FROM BABY BOOMERS TO GENERATION Y
BABY
BOOMERS
Born in ‘50 / ’60 s
X
GENERATION
Born in
‘60 / ’80 s
Y
GENERATION
Born in
‘80 s/ 2000
IN THE UPCOMING YEARS A HUGE MASS OF WEALTH WILL PASS DOWN FROM THE
GENERATION THAT HAS CREATED AND ACCUMULATED WEALTH, THE «BABY
BOOMERS », TO THE NEXT ONE, OFFERING OPPORTUNITIES AND CHALLENGES FOR
THE SAVING MANAGEMENT AND FINANCIAL INVESTMENTS INDUSTRY

13. DETERMINATION
AUTONOMY
ATTENTION TO SAVING
FinancialEducationLifeStyleConsumption
SELF-CENTEREDNESS
SELF-COMPLACENCY
SOCIAL ADDICT
ATTENTION TO THE
FINANCIAL ISSUES
DOUBTS ABOUT THE FAMILY WEALTH’S FUTURE
HIGH KNOWLEDGE
DISTRUST TOWARD FINANCIAL WORLD
DUE TO THE FINANCIAL CRISES
ATTENTION TO “SOCIAL” REVIEWS
CONCERNING INVESTMENT ISSUES
DECREASED LOYALTY TO
BRANDS AND PRODUCTS
OPENNESS TO CHANGE
PROPENSITY TO FREQUENTLY
CHANGE BANK OVER TIME
PRODUCTS “IMAGE” FIRST!
ATTENTION TO THE OTHER OPINIONS EXPRESSED ON NEW MEDIA
HOMEBANKING
BRANDS COUNT IN TECH - LESS IMPORTANT IN BANKING SERVICES
GENERATIONS X and Y’s differences compared to BABY BOOMERS
THE «NEW CUSTOMERS» ARE TECHNOLOGICALLY ADVANCED

15. PEOPLE CHANGE MARKET RULES CHANGE
IN THIS NEW MARKET WE HAVE UNDERSTOOD THE
“BANK” SYSTEM CAN NO LONGER BE THE SAME

16. YESTERDAY
YESTERDAY
SLOWNESS
PREDICTABILITY
CERTAINTY
TODAY
SPEED
UNPREDICTABILITY
UNCERTAINTY
MARKET RULES
MARKET RULES

17. NEW MARKET RULES OPEN SEVERAL
FUTURE SCENARIOS DEPENDING ON THE DIFFERENT
POSITIONING ON THE MARKET
CUSTOM-TAILORED BANKSCENARIO 4
SOCIAL MEDIA BANKSCENARIO 3
EVOLUTION OF THE CURRENT BANKSCENARIO 2
REJECTION OF ANY CHANGESCENARIO 1

18. DIFFERENT MARKET POSITIONING STRATEGIES
WILL BRING DIFFERENT EXPECTED RESULTS
A. LOSS OF ATTRACTIVENESS AND LACK OF PROFITABILITY
Scenario 1 – REJECTION OF ANY CHANGE
IMMOBITITY POSES HIGH BUSINESS RISKS
THE BANK DOES NOT INVEST AND
LOSES ATTRACTIVENESS TO THE
MARKET
Scenario 4 – CUSTOM-TAILORED BANK
INVESTMENTS ARE NOT
PROPORTIONAL TO THE REVENUE THEY
GENERATE. THE BANK LOSES
STRENGTH
IN BOTH CASES, THE EXPULSION
FROM THE MARKET WILL OCCUR

19. DIFFERENT MARKET POSITIONING STRATEGIES
WILL BRING DIFFERENT EXPECTED RESULTS
B. DEVELOPMENT OF NEW ATTRACTIVENESS
Scenari 2 e 3 – EVOLUTION OF THE
BANK AND SOCIAL MEDIA BANK
THE CHANGE WILL BE CONSISTENT
AND WE WILL NEED TO RETHINK
STRATEGIES AND SOLUTIONS
FOR A BANK EVOLUTION
TO REMAIN IN LINE WITH THE
CHARACTERISTICS OF AN
INCREASINGLY ADVANCED AND
EVER-EVOLVING DEMAND

20. HOW TO INTERCEPT
THE NEW MARKET
?

21. L’ APPROCCIO
TRADIZIONALE SI
E’ RILEVATO
INADEGUATO AL
NUOVO PUBBLICO
THE TRADITIONAL
APPROACH PROVES
INADEQUATE TO
CAPTURE THE
INTEREST OF THE
NEW PUBLIC

22. WE MUST HAVE THE
RIGHT TOOLS
TO GET INTEREST AND
ACQUIRE THE
“NEW” CUSTOMERS

23. WE NEED TO FIND QUALIFIED
INTERLOCUTORS TO BE ABLE TO
PROVIDE OURSELVES WITH
INNOVATIVE TOOLS

24. CABEL
GAVE US THE OPPORTUNITY TO ESTABLISH
PARTNERSHIP WITH MARKET LEADERS
IN THE TECHNOLOGY INDUSTRY:
VAR GROUP E CISCO

25. Inspiring Innovation
Francesca Moriani
CEO Var Group

26. 190
Millions€
Revenue 30/04/2015
42Years
23
Experience
+7%
Grow 2015/2014
750
Employees
Location in Italy

27. A technology
partnerthat
has become a
partnerin the
business
evolution

28. Innovation
strategies,
specialized business
units working in
synergy

29. CUSTOMER
EXPERIENCE
MOBILE &
BUSINESS APP
E-COMMERCE
SOCIAL MEDIA
& DIGITAL PR
BIG DATA &
ANALYTICS

31. Banking sector–
dedicated centre of
expertise
Digital skills that
simplify and transform
processes

32. A partnership with Cisco that, starting from
the collaboration, enables new services

33. Revolutionise
communication with
customers to create
new business
opportunities

38. OPEN YOUR
ONLINE ASSET
MANAGEMENT

39. OPEN THE
ASSET
MANAGEMENT
ACCOUNT
WHEREVER
YOU ARE IN
ONLY 15
MIN
5
STEP

40. CONTACT
DATA
1
STEP
Registration
on the portal
MIFID
1I
STEP
Evaluation of
your risk
profile
CHOOSE A
PRODUCT
1ii
STEP
Identification of
the management
type to
implement
PERSONAL
DETAILS
1v
STEP
Data entry for
anti-money
laundering
profiling
INVESTMENT
DETAILS
v
STEP
Identification of
amounts and
alert thresholds

41. User-friendly web
design along with
ADVANCED
TECHNOLOGIES
allow to bring
easy use for
complex tasks
such as: DIGITAL SIGNATURE

42. DISTANCE RECOGNITION
An Invest Banca
Relationship
Manager in
videoconference
with the
customer, shall
carry out the
operations of
identity checking
and verification as
envisaged by the
regualtions in
force:

43. During this process, the
Invest Banca Relationship Manager
calls the customer on the phone
to confirm customer identity

44. Eventually after the positive
identity verification the
DIGITAL SIGNATURE CERTIFICATE
will be sent to the customer

45. With this simple procedure, the customer is
allowed to
SIGN CONTRACTS DIGITALLY
IN ACCORDANCE WITH
THE COMPLIANCE AND THE RULES OF LAW

46. This
procedure is
part of the
PAPER
ELIMINATION
PROCESS

47. BUSINESS and TECHNOLOGY are now
an INSEPARABLE COMBINATION

48. THE FULL INTEGRATION OF THIS PROCESS
WILL LEAD TO THE
CREATION OF NEW RULES
RELATED TO
RELATIONSHIP WITH CUSTOMERS

49. In compliance with the NEW PARADIGMS
IMPOSED BY THE MARKET

50. THANK YOU
@SsSardelli
@InvestBanca
investbanca.cominvestbanca.com
millenniumsim.it

51. FUTURE DEVELOPMENTS

52. CALENDAR
Book an appointment online with your financial advisor or
relationship manager

53. APP
MOBILE

54. APP MOBILE
Contact your financial advisor
directly from your mobile phone or tablet

55. ROBO
ADVISOR
ROBO
DVISOR
ROBO
ADVISOR
RO
ADV
ROBO INVESTOR
ADVANCED ONLINE FINANCIAL CONSULTANCY
ROBO INVESTOR