Uae-NO1 Black Magic Specialist In Lahore Black magic In Pakistan Kala Ilam Ex...
Mega Banking Trends and IT Transformation
1. Mega trends in Retail Banking
3. International RISE Workshop (Jun 15, 2012)
Frank Schwab
http://www.rise-research.org/?p=438 http://www.FrankSchwab.de
6. Reverse mortgage
Borrower older than 62 years
Borrower must occupy the property as their principal residence
No minimum income or credit requirements
No payments are required on the mortgage
Not subject to income tax payment
Maximum lending limit of $625,000.00
Payment is taken as line of credit, lump sum, or monthly payments
13. It is difficult to make predictions,
especially about the future
Sir Winston Leonard Spencer-Churchill
14. Knowledge Society The Rise of BRIC
Female Shift
Change of Demographics
Globalisation
Information Technology
Climate change
Mobility
Environmental Awareness
Urbanisation
Internet
Individualisation
15.
16. Characteristics of Mega Trends
Long term – impact > 5 to 10 years, sometimes decades
Influences our view of the world
Influences our values
Influences our thinking
Changes demand for products and services
22. 11 Mindsets to identify Mega Trends
1. While many things change, most things remain the same
2. The future is embedded in the present
3. Focus on the score of the game
4. Understand how powerful it is not to be right
5. See the future as a picture puzzle – your idea guided by a few fixed stars combined into
a single vision
6. Don’t get so far ahead people don’t know you’re leading
7. Resistance to change falls if benefits are real
8. Things we expect to happen always happen more slowly
9. You don’t get results by solving problems, but by exploiting opportunities
10. Don’t add unless you subtract
11. Don’t forget the ecology of technology – ask what’s enhanced, diminished, or replaced
23. Mega trends in Banking
Increase of
regulatory requirements
25. Basel III – Additional Core Tier 1 Capital Requirements
European Banks
In Billion $
2.330
2010E
2.990
2015F
660
Source: McKinsey
26. Basel III – Additional Core Tier 1 Capital Requirements
US Banks
In Billion $
1.790
2010E
2.610
2015F
820
Source: McKinsey
27. By Juni 2012 European Banks need
additional 106 Billion Euro Tier 1 Core Capital
30
5.1
1.3
4.1
2.9
14.7
8.8
Source: European Banking Authority EBA, October 2011
in Billion Euro
26.1
7.8
1.4
3.6
28. Return on Equity (ROE)
2007 2010
Europe
16,7%
7.9-9.2%
2015E
7.4-8.6%
Source: McKinsey
35. COMMERZBANK
Integration of Dresdner Bank becomes more
expensive ...
... IT drives total integration costs from 2.0 to
2.5 Billion Euro ...
Source: manager magazin online, November, 25th 2009
37. Mega trends in Banking
Increase of
regulatory requirements
Legacy technology Consolidation
38. Withholding tax
Several 100.000 bank customers
need to wait a couple of month to
finalize their tax statements. The
reason: Some banks failed to
change their IT systems.
Source: May 2010, Financial Times Deutschland
44. Example Workflow
NOS öffnen ► Kunde suchen
NOS-Übersicht ► Partner / Adressen ► Anzeigen / Ändern ► Bestätigung ►
Änderung der Telefonnummer? ► bestätigen / Ändern ► Ausdruck bestätigen ►zurück
zur Übersicht
NOS-Übersicht ► Produkt / Ändern ► Einlagen / Termingeldprolongation ►
Daten ändern ► bestätigen ► zurück zur Übersicht
Einmeldung in KIM ► Starten von KIM ► Anmeldung ► Kunden suchen ► neuen
Eintrag wählen ► Daten einpflegen ► Abschluss anlegen ► Daten eingeben ►
bestätigen ► zurück zur Übersicht
¨ Customer approaches service desk
¨ Customer informs the bank about address change
¨ Advisor notifies a due “time deposit” in the customer’s portfolio
37 Clicks
51. Mega trends in Banking
Increase of
regulatory requirements
Legacy technology
Changing
customer behaviour
Consolidation
52.
53. 2011 20162012 2013 2014 2015
662 M
4.03 B
Source: Cisco, 2012
Number of internet capable mobile devices
54. 72% Watching TV
Playing
Video Games
Listen to
music
Reading
newspapers
Reading
books
Internet
Smartphones are used always and everywhere
Sources: The Mobile Movement Study, Google/Ipsos OTX MediaCT, Apr 2011
Base: Smartphone Users (5013)
Q. In general, which of the following media-related acOviOes do you do while also using the Internet on your smartphone?
78. User interface Functional Productivity
oriented
Processes Fix coded Flexible
Services
Application
centric
Service-
oriented
& packaged
More and more banks follow new paradigms towards IT
81. Infrastructure
Services
Processes
User interface Functional Productivity
oriented
Fix coded Flexible
Application
centric
Service-
oriented
& packaged
High
variety
Industrialised
& low cost
More and more banks follow new paradigms towards IT