Scene guide:

Each major scene of the video has an accompanying interactive section that shows a part of a consistent connected digital thread. The

additional content outlines the imperative for the bank, the digital imperative and the potential pieces that come together to create a

more natural, digitally infused interaction.

A sensor with a bank

account

• New potential

services and

products

• CAN WE CHANGE

VIDEO

Introduction screen

• Presents the controls

you can use to

access the digital

content and navigate

through the scenes

My people

• Intelligent services

• Video about

Innovation in

mobility

My mobile

• How mobile is more

than a small screen,

but a service pivot.

• Video about

designing physical

and digital

Contextual services

• Providng information

in context of physical

and digital

interactions

• Video about

developing a digital

proposition

My data

• Illustration of

bringing your data to

the data the bank

holds about you

Help me be the best

• How can we enable

new superpowers for

employees to be the

best they can be

• Video about the

evolution of digital beyond apps

Mobile digital stage

• New forms of

engagement along

the customer journey

API in Happiness

• The role of APIs to

enable new service

flows

• Video about the API

economy

Digital Pigs

• Building new

capabilities to

engage younger

audiences.

APR says I love you

• The changing value

exchange between

brands and

consumers

• Video about

changing

relationships

Branch as a catalyst

• How branches can

become local

catalysts for growth

• Video on the

importance of local

development

INTERNAL ONLY

EMPOWERING THE DIGITAL BANK

© 2015 Microsoft Corporation

2 online polls

with over 60k

respondents

60,000800 Physical and digital

touch points analysed in

the UK and US

800Over 40 hours of

in-person observations

across High St.

branches in the UK

406 exploration

workshops and

group sessions

6

GETTING BACK ON AN EVEN KEEL

HELP ME GROW

MAKING MORE OF WHAT WE HAVE

Rebel Rebel friends and family

Lost the carA positive distraction and a bit of weekly money

Care workerLeased a car for work, in addition to the mortgage on the

house. Paying the minimum off her Credit Card each month.2008

Rebel Rebel mobileBorrowed on a personal loan to buy a van

and build out the business2016

Save the house Borrow from parents and flexed weekly cash flow.2012

Rebel Rebel through networkBorrowed from parents to buy stock and materials

for the flowers2013

Rebel Rebel out of the shed Borrowed from parents to build out business2015

Made redundant Shifted some Credit card balances2010

Care supervisorUpgraded her lease to a nicer car. Got a new Credit

Card to do a balance transfer2009

“ ”

The freedom to pursuedigital financial services

10

Digital

customer

experiences

Modern core

systems

Journey to

the cloud

Digital

workplace &

workstyles

Advanced

analytics

Reimagine digital experiences

“The solution has

definitely helped

Nedbank gain a

competitive advantage,

putting us at the

forefront of technology

and showing that

Nedbank is really

pioneering and

innovative in its use of

technology to service

and consult clients.”

Stelios Vakis, Program Executive of

Integrated Channel Strategy, Nedbank

A new video banking

channel from the branch

to in-house experts

Achieved quick adoption

and use – 40 percent of

clients used within weeks

Improved customer

service – reduced time for

assistance, increased

recommendations by 10

percent

Reimagine digital experiences

“Windows 8 is a unique

platform, it allowed us to

combine a traditional

Windows-based financial

terminal with the new

capabilities of touch and

shared screens.”

David Montblanch Griera, Branch Channel

and Business Segments IT Manager,

CaixaBank

Create digital document

process on tablets and

smartphones

Enable digital signature

system using biometrics

Free sales managers to

bring the business to

clients anywhere, not just

in the branch

“We believe that by using

smartphone technology

in this innovative way,

Aviva will be able to tailor

premiums further to

individual drivers -

basically the premium will

be for you, not people

like you.”

Steve Treloar, retail director, Aviva

Empower an intelligent business

Quickly implemented a

new usage-based

insurance product for

commercial and personal

lines

Used mobile phone

applications to collect

driving data; incorporated

gamificaton and social

Raised net promoter

score in crowded UK auto

insurance market

“Berkshire Hathaway

Specialty Insurance is a

rapidly growing business

and needs a robust and

flexible core insurance IT

platform that gives us a

competitive advantage.”

James O. Roser, CIO, Berkshire Hathaway

Specialty Insurance

Release business agility

Leverage a best-of-breed

suite of core solutions,

delivered in the cloud

Benefit from lower IT cost

ratios and agile core

systems

More rapidly introduce

new products, enter new

markets to quickly grow

the business

LINKS WE’D LOVE TO SHARE

© 2015 Microsoft Corporation

• Empowering the Digital Bank online http://www.microsoft.com/enterprise/business-leaders/reimagine-finance/connected-digital-finance.aspx

• Read more from some of the people who worked on the research and the interactive experience

http://www.microsoft.com/enterprise/industry/banking/blog/default.aspx#fbid=qDmiAaSqvtp

• Learn more about our future productivity vision

http://www.microsoft.com/enterprise/productivityvision/default.aspx#fbid=qDmiAaSqvtp

• Join the conversation

https://twitter.com/Microsoft

THANK YOU

© 2015 Microsoft Corporation