the new banking
TRANSCRIPT
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The New Banking
Julio CarvalhoPresales Director @ CA Technologies - LATAM
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BANK≠
BANKING
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BANK
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BANKING
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“BANKING is necessary,banks are not..”Bill Gates, 1994
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THE SHIFT
PRODUCT
EXPERIENCE
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WHERE IT ALL
BEGAN?
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Banking Timeline
1200 DC First Retail banks in Greece
1694 First Central Bank in England
1969 First Cash ATM (Sydney,
AUS)
1970 First Telephone Banking
1983 First Online
Banking
1999 First Mobile
Banking
2005 First Fintech Startups Banks?
Today
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What banks want?
+Customers
+Assets +Profit
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What users want?
Frictionless
P2P Lending
Context Free
Wealth Management
Real-time Advisory
BiometricsCustomization
Instant
BitcoinPay by selfie
No-branches
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Some numbers
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Millennial Disruption Index(MDI)
• 3 Years• 15 Categories• 200+ Interviews • 10.000+ Respondents
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would rather go to the dentist than listen to what banks are saying71%
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Are open to switching banks in the next 90 days
1 in 3
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would be more excited about a new offering in financial services from Google, Amazon,
Apple, than from their own nationwide bank
73%
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“- You need an ATM to get cash!”
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“-People need banks to lend money from.”
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What to expect?
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AI and Algorithms to replace human-driven
tasks
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Natural Language Processing (NLP)
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Conversation as the new UI
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“My dear, here we must run as fast as we can, just to stay in place. And if you wish to go anywhere you must run twice as fast as that.”
― Lewis Carroll, Alice in Wonderland
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Thanks
The New BankingJulio CarvalhoPresales Director @ CA Technologies - LATAM