paths to digitalization - institute for social banking€¦ · paths to digitalization –...
TRANSCRIPT
Paths to digitalization
ISB Summer School – 2017
Why?
3
4
PSD2
5
PSD2
6
PSD2
7
Why?
9
Identify your pain points
1. Reduce Compliance, IT & DevOps costs?
10
Identify your pain pointsReduce compliance, IT & DevOps costs*
11
Identify your pain points
1. Reduce compliance, IT & DevOps costs?
2. Deliver new services clients are demanding?
12
Identify your pain pointsDeliver new services clients are demanding*
13
Identify your pain points
1. Reduce Compliance, IT & DevOps costs?
2. Deliver new services clients are demanding?
3. Improve time-to-market of new products?
14
Identify your pain pointsImprove time-to-market of new products
15
Identify your pain points
1. Reduce Compliance, IT & DevOps costs?
2. Deliver new services clients are demanding?
3. Improve time-to-market of new products?
4. Expand client base?
16
Identify your pain pointsExpand client base
17
Identify your pain pointsExpand client base*
18
Identify your pain points
1. Reduce Compliance, IT & DevOps costs?
2. Deliver new services clients are demanding?
3. Improve time-to-market of new products?
4. Expand client base?
5. Find more options to invest? (ratio deposits vs. loans)
19
Identify your pain pointsFind more options to invest – Robo advisory
20
Identify your pain pointsFind more options to invest – Robo advisory
Image: Betterment
21
Identify your pain pointsFind more options to invest – Long tail
20 / 80
What?
23
Digital BankingTechnology, platform, architecture
24
Digital Banking2-speed banking
25
Digital BankingCommunity banking
26
Digital BankingOpen banking
27
WhatCulture & processes
How?
29
30
31
How?
Inner path Best-in-class
Spin-off Coopetition
33
Inner path
34
Inner PathDigital maturity
35
Inner PathHype cycle of technologies
36
Inner PathHype cycle of digital banking
Inner path Best-in-class
Spin-off Coopetition
38
Best-in-class
39
Best-in-class
Inner path Best-in-class
Spin-off Coopetition
41Spin-off
Inner path Best-in-class
Spin-off Coopetition
43Coopetition
44Coopetition
45Paths to digitalization – Coopetition, platforms, BaaS
46
47Coopetition
48Coopetition
49
CoopetitionBlockchain
50
CoopetitionBlockchain
51
CoopetitionBlockchain
Do you need a blockchain?
No.
52Coopetition
1. Inner path 2.Best-in-class
3.Spin-off 4.Coopetition
Hands-on!
5th path
55Values basedSpeculative
Van
guar
dLe
gacy
Dig
ital
Social-life based
?
Digital Social Banking
56
57
If you want to build a ship, don't drum up people to collect wood and don't assign them tasks and work,
but rather teach them to long for the endless immensity of the sea.
—Antoine de Saint-Exupery
Thank You
59