presented by : dr. johan bosch mobile : +254 708 662 966...
TRANSCRIPT
Disclaimer
Without Prejudice of Rights
The presenters apologise in advance in the case of
offending or provoking any member of the audience in
any manner whatsoever.
Contents
• Audience
• Pain points of CIO’s in Africa
• Banking solutions in Africa
• Life of a vendor in Africa
• An IT Governance Approach
• What or who is driving the banking strategy ?
Kenya
Zimbabwe
Nigeria
Botswana
Ethiopia
Zambia
Tanzania
South Africa
Uganda
Ghana
Pain-points of CIO’s in Africa
• People
• Process
• Technology
• Energy
• Time
• Money
Banking solutions in Africa
Banks – Untapped markets ?
Lets Build a Bank 101 …
maximum impact
support the priorities
• In order to bring lasting change, we must first prioritize the things that will bring about the
• Then we must organize schedules and resources that will
about that change
• Finally, we need to mobilize people to be able to take action and bring
mobilize
mobilize support the priorities
• Then we must schedules and resources that will
organize prioritize organize
Lets Build a Bank 101 …
maximum impact
• In order to bring lasting change, we must first the things that will bring about the
about that change
• Finally, we need to people to be able to take action and bring
prioritize
prioritize organize mobilize
Our New Bank
Requirements analysis completed
eChannels selected
ERP System – RFP / RFI ?
Our New Bank
BLAH
BLAH
BLAH
BLAH
BLAH
BLAH
BLAH
But this is not what we want!
The Perfect Solution … Business Demand Projects Output and Quality
Banking not for the faint hearted !
Who is our client ?
Who is our client ?
Investment ?
The Banking Dilemma
World War III ?
Definition of a clear strategy !
“An affordable bank to the communities where
communication and technology is a challenge”
What is our BHAG ??!!
• 14 million users made mobile payments in RSA
• Value of these transactions ZAR 7 billion
• 120 million African users making payments
• Value of cell phone tx in Africa ZAR 60 billion
• 15 billion mobile users
• Embrace ICT companies and Retailers
• Fibre – Seacom, WACS, Mobile networks
• We have lots of Sun in Africa – Use it !
Opportunities !
Connectivity !
Top 20 mobile operators in Africa
Africa Mobile Penetration - 2011
• ATM
• Mobile Banking
• Internet Banking
• Kiosks
• POS Devices
• Branches and Cash
• IVR
• Card – EMV Chip
• P2P, B2P, B2B – eCash, M-Pesa etc…
• Social Banking
• Agency Banking
What channels (IT & Comms) ?
Evolution of Services and FI
Location location location….
• Micro Loans
• Deposits
• Stokvels
• P2P, B2B, B2P
• Really understanding the client or end user…
What Markets
• ATM
• Mobile Banking
• Internet Banking
• POS Devices
• Branches and Cash
• IVR
• Card – EMV Chip
• Social Banking
• Agency Banking
• P2P, B2P, B2B
What channels ?
• Size and complexity of banking not understood
• M-Pesa, Other Mobile Money Initiatives
• Vendors are not Africa ready (USSD?)
• Total cost of ownership not understood
• ICT partnerships in country
Challenges
• Legacy systems and infrastructure
• Fraud – Good client / bad client (bio-metrics)
• High costs of implementation
• Markets are complex – Africa not Europe / USA
• Governance, Risk, Compliance
• Security – PCI DSS, POPI etc.
• Licensing fees are too high
Challenges
Insource or Outsource - IAAS
• Bank as a Service ?!!
• Infrastructure as a Service
• Platform as a Service
• Software as a Service
• Agnostic Systems
• Interoperability
• Integration, integration, integration
What is the service
• The only constant is change
• ICT, retailers and bank will become more integrated
• Smart phone use will increase over time (youth take on)
• True customisation like nothing before
• New changes
• Channels and services in the “sticks” with green technology
Intelligent GL with built in Business Intelligence and CRM
Predictions - Innovations
BHAG
IT andBusinessStrategy
Big Data BI MIS ESS
PoliciesStandardsPrinciples
LegalGovernance
RiskCompliance
Processes Procedure
TrainingAwareness
Governance Structures
and Projects
Architecture
Best Practice
CobiTITIL Change ManagementChange Management
Human Capital
Per
form
ance
Man
agem
ent B
enefits
Tracking
STRATEGICLEVEL
OPERATIONALLEVEL
IT Governance
IT Governance Framework (CobiT)
IT Governance Framework (CobiT)
BAAS in the cloud ?
Innovation - Zafin
• IT Governance in the cloud (grc-audit.com)
• IT Governance Frameworks in the cloud
• eLearning and Awareness in the Cloud
• Free up the CIO’s time
• Kudos with internal and external audit
• Kudos Governance Risk and Compliance
Governance is an ENABLER ….
…. Not a BARRIER
Governance Engine and Health
