reinventing the bank for the digital world
TRANSCRIPT
0 Copyright 2016 FUJITSU
Fujitsu Forum 2016
#FujitsuForum
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Reinventing the Bank for the Digital World
Elenice Macedo
Head of Financial Services
Business and Application Services
Fujitsu EMEIA
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How will
European
banks look in
10 years?
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Even change is changing
Bank
Customer
Market
New competitors
Regulation
Shareholders
Political system
Use of cash
The European banking sector is facing challenges on all sides. From new technologies, new market players and new regulations:
Empowered customer
High regulation
Competition from new business models
Low interest rates
New technologies
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Customer • Less loyal
• Digital
• Transparency
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Market and
regulation
• Low interest rates
• Growing regulation
• Shareholders
• New technologies
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Customer
- Less loyal
- More digital
- Less branch
Market and regulation
- Low interest rates
- Growing regulation
- New technologies
New entrants
• Speed
• Ease of
engagement
• Flexibility
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Digital transformation at 3 levels
7
Apply digital to a function or a product and service
Digital Project Apply digital to the heart of
business
Digital Business Co-create greater value with partners
Digital Arenas
Idea
Evaluation
Trial
Prototype Digital Technology
Digital Business Platform
Digitalized Product or
Service
Operation Marketing
Customer Interface
Mobile IoT
Cloud
Security AI
Analytics
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Mobility Quality of Life
Safety
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Digital Revenue
Different banks have different digital strategies
Early adopters 20 %
Branch-based model: engagement with customers
A superior customer service culture
FinTech partnerships
IT-platform restructuring allowing new services
Disruptors 3%
Simple products and processes are the norm
Agile corporate culture
iPads, free wifi, 3D printers
Small business
Doing basics well and focus on customer have established a long and strong life
Does not appear in hard numbers, and yet investment is requested
10 years
Cost
Traditional 77%
Repricing and ending free services
Governance simplification
Branch restructuration
Operation centralization
Digitization of key processes
Nothing new, but all together and effectively executed make a difference
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Fujitsu deploys an
end-to-end solution:
• Devices
• Middleware
• User application
• Services and
innovation
A pillar for the new bank
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Robotic Process Automation
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It automatically processes transactions, manipulates data, triggers responses,
and communicates with other systems as necessary
Emulates the work of a human agent, using screen and keyboard, to drive applications
and execute system-based work
Robotic - Robots, but actually are software tools
Combine user interface (UI) recognition technologies and workflow execution
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Enhanced security for a new world
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New security for a new world
Create list of Web assets analyzed, with a virtual and real-time inventory upgradeable via Web
New and growing scenario
New problem Assets not visible to the security team
External Sources
Targeted Unmanaged
Unkown Digital Assets
> 80%
46,2%
> 66%
Digital, clean and easy to understand for identifying violations and malicious brand assets easily.
Creating digital assets.
FUJITSU IQ Solution
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To be or not to be an open platform
Bank as a Service Just for friends
Allows producers and consumers to connect to a platform
Specialized in current account service
Connect customers with selected third-party providers
Improve the digital
experience integrating
specialized third parties. Openness
Traditional
Current distribution model
Provides own current own portfolio
If it’s working….
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Our Approach to Digital
14
Portfolio of technologies and services, driving digital transformation
Hyperconnected API Economy
Existing Business
Applications
Existing Business Digital Business
Industry specific services
Mobile IoT Analytics Security
Cloud
Value Creation
AI
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Financial Solution "Finplex"
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MetaArc Digitalize with Confidence
MetaArc delivers Digital Transformation.
MetaArc comprises a comprehensive set of Solutions, Services, Cutting Edge Technologies and Engages our Eco-system of Partners.
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Human Centric Intelligent Society
You can download the complete study
http://newpaceofchange.com/
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