Pre-requisites & Building Blocks of your Digital Journey

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Human Centric Innovation
in Action
Digital
Transformation
Are we ready?
Fujitsu World Tour 2016
Mumbai, India
Isy Macadar
Digital Innovation
Retail Banking

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Business Transformation
Better
Faster
Cheaper
Retool the
underlying
business,
operating models
and resulting
products and
services

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Digital Transformation
Better
Faster
Cheaper
The transformation of
business activities,
processes, competencies
and models to fully
leverage the changes and
opportunities of digital
technologies

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Human Centric Innovation
in Action
Digital
Transformation
in Retail
Banking

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Digital Transformation in
Financial Services
We are experiencing how banks are reshaping themselves to adapt
to the new digital era.
Omni-channel model  A more accessible level of service any time,
anywhere and across devices - offering the right balance between
physical and digital channels.
A Real Digital Experience.

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Banks are part of a digital world
Regulation: global and local
Customer: demands and
expectations
Technology and innovation:
enabler, differentiator and
disruptor
Competitors: old and new
Society: politicians, citizens, activists

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Actors of the change
Customers
 Became the center of the game
 Demand a more win-win relationship with banks
Regulators
 Globalization, complexity, social demand and crisis have
enhanced local and regional regulation, in order to
strength the finantial system and protect customers
Retail banks
 Facing low revenue and looking for higher profitability
 Have an internal lack of flexibility and digitalization
New comers
 Leveraging current technology availability and accessibility
to approach high profitability business with companies
100% technology based

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• More accessible: wide opening times
• Cosy and modern environment
• A place to be listened: personalized attention and products
• Same experience in all channels
• Safe, simple
• Shorter Time-to-market
• Sales and consultancy driven
• Technology enabling business strategy
• All channels seamlessly integrated
Branch: enhance the relationship with the customer
Bank’s
view
Customer’s
view

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The “always
connected”
behavior generated
a security issue:
Change enabled by technology…
Smartphone, wearable devices
 In the customer hands have changed their behavior
Cloud, shared processing
 Enabling new comers to create disruptive products
Social networks
 Bank reputation suffered from crisis and now is weak in
front a very well educated customer
Smartphone and customer:
A point of no return through digital bank, that is the customer demand!

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Technology will be
required to solve privacy
and security new
scenarios
Integrated Infrastructure
to support the new
hyper-connected world
And technology will leverage the new change
BigData
 Data is the new petroleum
 Banks are machines to get and store data
 Data analytics will enable personalized products creation
Biometrics
 Our body will be our password
Social bank
 Banks infrastructure and capillarity should be used to
transform banks role, avoiding being an “utility” reputation
Privacy
and
security
Human-Centric era

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Innovation in the Digital Banking
Human Centric
Innovation
Favouring the
intra-entrepreneurs,
generating fintech ecosystems,
providing the organization
with the needed support.
New channels
appear and the
office must re-invent
itself.
Generating internal
efficiency, improving
actual business and
opening new business
lines.Client changes
Digital Banking
Re-inventing banking
value proposal beyond
what is strictly
financial.
Data Analytics

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Fujitsu FinTech consortium
2011
BBVA
EUR100 million
fund
2014
Santander
Innoventure
US$100 million
fund
2015
Initial EUR100
million Fintech
fund
Open platform for both Financial Institutions
and Fintech Startups in order to make real
the innovation in Financial Business.
Aim of accelerating open innovation of Financial
services.
More than 100 companies
• 54 domestic financial institutions
• 47 FinTech firms
Financial Innovation For Japan (FIFJ)

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The use of data provided by clients is an important asset for entities to be more
efficient and to define new business models.
Data analytics in future banking
Customer Centricity
To improve users satisfaction and to increase
knowledge towards a personalised offer.
Open Business
Together co-creation models which generate
public event’s economical and social impact.
Operating Efficiency
To improve capacities and efficiency
Optimal infrastructure location: ATM, branches.
Innovation
Use of internal and external data to generate new
business models, products or services.
Internally...
Externally...

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