Celero brings a rich history and extensive experience in the co-operative financial services sector. The only Canadian company included in the 2017 IDC Top 100 FinTech Rankings, Celero provides full-service, end-to-end IT, that meets the unique needs of credit unions and financial institutions. As the needs of clients shift to meet the financial service delivery demands of the technology savvy member, so too is Celero evolving with the credit union system. Celero is helping clients build their future delivery in key strategic areas: Digital and Mobile Banking; Enhanced IT services; and Modernizing Core Banking. For more information, visit the company's website at www.celero.ca.

1. Confidential © Celero
1
Celero Overview
Digital Disruption & Transformation

3. Product To Customer
ECONOMIC SHIFT
Digital Technology
CONNECTED SMART WORLD
Global Entrepreneurship
STARTUPS
Cheaper, Better, Faster, Personalized Choices
USER EXPERIENCE
New Generation, New Thinking, New Needs
TRANSFORMATION

4. EXPERIENCE
Instant Omnichannel
Buy
Borrow
Pay

5. AUTONOMUS ORDERING
Frictionless Commerce

6. Consumer Expectation
EXPERIENCE
INCLUSION
HOPE
Social Perspective
DEMOCRATIZE
DECENTRALIZE
P2P
SOCIAL VALUES
Digital Transformation
DIGITIZATION
DIGITIALIZATION
Technology Enablers
CLOUD
AI
BLOCKCHAIN
DIGITAL IDENTITY
COGNITIVE COMPUTING
OPEN BANKING
IoT
Business Enablers
FINTECH
CHALLENGER BANKS
NEO BANKS
BaaP
Digital Economy
DIGITAL ASSET & TOKENIZATION
DIGITAL CURRENCY
Regulatory Enablers
PSD2
GDPR

8. GLOBAL FINTECH
ADOPTION INDEX
18%

9. PLATFORM
Digital First
One Service
Full Stack Service
CHALLENGER NEO
Banking
Service
Payment
Service
Lending
Service
Account
Service
Curated Digital
Market Place

10. Account
ServicesPayment
Services
Investment
Services
Secondary
Bank
Lending
Services
Fintech
ServicesInsurance
Services
Open Banking
Primary
Bank
Regulatory
Controls
Self
Sovereign
Identity

11. Intelligent
Business
Processes
Decision &
Recommendation
Engine
Smart Agents
COGNITIVE
INTERACTIONS
BOTS
Cognitive Banking

12. My bank has no bots
Mine too ……
PERSONALIZATION
Expectation of

13. Mechanization
Mass Production
Computerization
ARTIFICIAL NARROW
INTELLIGENCE
Intelligent Automation
ARTIFICIAL GENERAL
INTELLIGENCE
Autonomous Systems
ARTIFICIAL SUPER
INTELLIGENCE

14. Robotic Process Automation
Emulating Human Execution of Definable, Repetitive Tasks
Apply
Approve
Close & Fund
Appraise
Underwrite

15. Blockchain / Distributed Ledger
DIGITAL ASSET / VALUE EXCHANGE
Digital asset designed to work as a
medium of exchange that uses
cryptography to secure its transactions
SMART CONTRACTS
Digital contract execution protocol
allows automated enforcement of laws,
regulations
DIGITAL IDENTITY
Consumers to control their own identity
and share between trusted entities with
their consent
FINANCIAL DISINTERMEDIATION
Digitally enabled businesses,
society and economy
2008 / 09 ECONOMIC CRISIS
Need to democratize &
decentralization

16. Market
Place
CHALLENGER BANKS NEO BANKSTRADITIONAL BANKS
BANK AS A PLATFORMS FINTECHS NON-TRADITIONAL BANKS

17. Digital Transformation
It Is Not About You – It is About Your Customers Future Experience

18. AMBITION
VISION
DIGITIZE
DIGITALIZE
CULTURE
INNOVATE
OPTIMIZE
BUSINESS MODEL
The Journey
USER EXPERIENCE

19. FINANCIAL
EXPERIENCE
FINANCIAL
INCLUSION
FINANCIAL
HOPE

20. Brand Identity - Financial Institution Partner
60 e-commerce
companies in 14
categories like
travel, health,
hospitality etc.

21. fintechs
Digital Dilemma

22. What Is Your Digital Ambition ?
DIGITALLY
ENHANCED
BUSINESS
DIGITALLY
TRANSFORMED
BUSINESS
DIGITAL
BUSINESS

23. “We want to be the D in GANDALF”

24. Who Is Your Partner?

25. COMPETE
INCUBATE
COLLABORATE
Navigating Digital Storm

26. Decentralization
of “Power”
Connected Global
Ecosystem
UX - Startup
Nexus
Speed Of Digital
Transformation AI – Business
Differentiator
Disappearance of
“Brand Monopoly
& Loyalty”
Culture of
Innovation &
Outside-In Thinking
Rate Of Technology
Evolution
Consumer Centric
Economy
Risk of Not Doings vs Risk of Doing

27. “inclusion” – outside in thinking
NOT just “growth” – inside out thinking
how to innovate & disrupt?
EXPERIENCE
INCLUSION
HOPE

28. Confidential © Celero
Thank You