finacle - banking & technology trends 2013 | technology innovations
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From increments to exponents
13 BANKING TRENDSFOR 2013
Analytics gets realtime, and mobility isa priority
Banks will combine existing and real-time information of a customer, transaction, and product to integrate it with applications like location-based services
01
The core evolvesFrom transaction tointelligence
Transaction history will emerge as a way to identify new product / service requirements or push contextual offers
02
Time to cash in thechips on gamificationBanks look to tap into the virtual gamingecosystem or charge a fee for facilitatingend-to-end payments of virtual currencies
03
Socializing pays offwith a newrevenue stream
Social media goes from customer care to new selling opportunities – powered by peer recommendations, personalized services, and co-creation of products
04
Banker, retailer, telco,technologist: thenew gang of four
Banks go from collaboration to co-creation, with new services and products that combine offerings from banking and non-banking entities
05
The teller is a jollygood seller
A shift in mindset and training programs help tellers become trusted salespersons who understand customer needs and proactively recommend new services
06
65 plus is easier toserve than 30 minus
The rush to woo Gen Y customers will be coupled with increased focus on senior citizens globally – as they have considerable savings, want simpleproducts, and are less likely to jump ship
07
Life stage bankinggets overlaid withlifestyle banking
All customers at the same life stage like education or marriage may not have the same needs — their lifestyle – influenced by geography, culture and interests – will define their banking solutions
08
The CIO’s Agenda
Baby steps, not bigbang: progressivemodernization
Use a phased approach to avoid disruption and experience the possibilities with projects for new channels, customer segments, and lines of business
09
Try some real estateon the cloud
Use one of the big three – infrastructure, platform, or software as a service – to test the ‘cloudability’ of areas like end-user computing, payroll processing, or procurement
10
If IT is a problem,it’s also a solutionThose grappling with legacy systems needCreative thinking to build new self-healingIT layers that simplify processes andincrease automation
11
In search of the rightoutsourcing model
Rather than outsourcing everything or notoutsourcing at all, banks need to outsource the right processes to the right IT or BPO partners
12
Mobility: the ultimatetroubleshooting device
The ubiquity of mobile devices can be a great way to access and address IT problems ‘anytime, anywhere’ — solving not just their issues, but also those of their customers
13
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From increments to exponents: 13 bankingtrends for 2013
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10 ways to transform your customer service experience in 2013
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