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Lubomir Olach, 6th Digital Banking Forum

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Ομιλία – Παρουσίαση: Lubomir Olach, COO, Director of International Development and Member Relations, EFMA
Τίτλος παρουσίασης: «Exploring Innovation Trends in Retail Banking 2019»

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Lubomir Olach, 6th Digital Banking Forum

  1. 1. 1 Innovation Trends 2019
  2. 2. 2 - tom lineBOT NICHE SME WORKFORCE TRANSACTIONS OPEN APIs . Reinvented 4 actions Value Proposition Interface is nice WOwRKFORCE OPEN AVPI
  3. 3. What’s the focus of your innovation effort WORKFORCE OPEN BANKING GAMIFICATION INTRAPRENEURSHIP LEVEL OF MATURITY LOW MEDIUM HIGH LOW MEDIUM HIGH GROWTH RATE 2018 VS 2017 NICHE FINANCIAL COACHING CHATBOT SME MEDIUM LOWHIGH NUMBER OF INNOVATIONS
  4. 4. 4 EMMA, the home and renovation loan virtual assistant Turn home-related conversations into smart and guided loan opportunities. AI flavored. Placeyourscreenshothere
  5. 5. 5 BOT – tom line Algorithms, rules, treatment library Customer service Requests for assistance BOT CUSTOMER Yesterday BANK Today CRM info Selling processes Brand-consistent personalities and tone of voice Requests for quotations/ simulations Tailored offers
  6. 6. 6 BOT – tom line z Cominvest is a robo advisory solution that serves the need of all 3 customer types: self-directed, validator and delegator using the same investment algorithm ImaginBank chatbot A chatbot on Facebook that allows users of the social network to check exclusive offers and discounts for customers interactively Cominvest Turn home-related conversations into smart and guided loan opportunities. AI flavored. EMMA
  7. 7. 7 PURPLE A universe of interconnected, phygital services and touchpoints designed and tailored around entrepreneurs and their accountants' needs. Placeyourscreenshothere
  8. 8. 8 Willingness to pay New niche "X" New niche "Y" New niche "Z" - Age: xx - Mindset: xx - Lifestyle: xx - … - Age: yy - Mindset: yy - Lifestyle: yy - … - Age: zz - Mindset: zz - Lifestyle: zz - … Priority target CUSTOMER BASE NICHE is nice
  9. 9. 9 Augmented Agricultural Banking App Transformation of whole agricultural ecosystem with disruption of traditional ways and user behaviors by letting users to directly connect to engineers via digital channels and creation of a banking backed technology enhanced intelligent and algorithm driven agricultural platform which has never done before NICHE is nice Ditto by Travelex is the first bank designed entirely to meet the needs of regular travellers, making it easy to live across currencies Ditto by Travelex A universe of interconnected, phygital services and touchpoints designed and tailored around entrepreneurs and their accountants' needs PURPLE
  10. 10. 10 Augmented Agricultural Banking App Transformation of whole agricultural ecosystem with disruption of traditional ways and user behaviors by letting users to directly connect to engineers via digital channels and creation of a banking backed technology enhanced intelligent and algorithm driven agricultural platform which has never done before NICHE is nice Ditto by Travelex is the first bank designed entirely to meet the needs of regular travellers, making it easy to live across currencies Ditto by Travelex A universe of interconnected, phygital services and touchpoints designed and tailored around entrepreneurs and their accountants' needs PURPLE
  11. 11. 11 SME Fintech Ecosystem Focused fintech ecosystem to enhance the bank's offering in terms of Value Added Services and core banking products (e.g. lending). Placeyourscreenshothere
  12. 12. 12 Ancillary VAS Fintech ecosystem Bank's Value Added Services 1.0 Fintech ecosystem Bank's Value Added Services X.0 Core Business Core Business BUSINESS BOOSTING VAS Ancillary VAS SME. Reinvented
  13. 13. 13 mPower Business Starter mPower Business Starter is a revolution to new business opening process by integrating government, bank and accounting services into an easy and intuitive experience, which makes you a complete entrepreneur in 10 minutes instead of minimum 10 days SME. Reinvented Idea Hub Express is unique mobile co-working space on tracks & bank branch at the same time Idea Hub Express SME Fintech Ecosystem Focused fintech ecosystem to enhance the bank's offering in terms of Value Added Services and core banking products (e.g. lending)
  14. 14. 14
  15. 15. 15 mPower Business Starter mPower Business Starter is a revolution to new business opening process by integrating government, bank and accounting services into an easy and intuitive experience, which makes you a complete entrepreneur in 10 minutes instead of minimum 10 days SME. Reinvented Idea Hub Express is unique mobile co-working space on tracks & bank branch at the same time Idea Hub Express SME Fintech Ecosystem Focused fintech ecosystem to enhance the bank's offering in terms of Value Added Services and core banking products (e.g. lending)
  16. 16. 16 Chat Me&mAIA Artificial + "natural" intelligence to give answers to all customer needs and inquiries. Real time. Delightfully. Placeyourscreenshothere
  17. 17. 17 FROM TO Robo advisor intelligence Robo for advisor intelligence One intelligence Customers Robo advisory tools Advisor's digital communication tools Escalation Self service Human Based WOwRKFORCE
  18. 18. 18 ISP Digital Learning A new Learning Portal and smartphone app to disrupt the traditional banking workforce training concept, increasing employees’ engagement and making them “falling in love” with our new Netflix-inspired digital learning service WOwRKFORCE Employee Personal Assistant is an app for managing and organizing work in retail branch network and exchanging urgent information via mobile phone, designed for heads of retail branches, their regional supervisors and bank service divisions Employee Personal Assistant ChatMe & mAIA Artificial + "natural" intelligence to give answers to all customer needs and inquiries. Real time. Delightfully
  19. 19. 19 ISP Digital Learning A new Learning Portal and smartphone app to disrupt the traditional banking workforce training concept, increasing employees’ engagement and making them “falling in love” with our new Netflix-inspired digital learning service WOwRKFORCE Employee Personal Assistant is an app for managing and organizing work in retail branch network and exchanging urgent information via mobile phone, designed for heads of retail branches, their regional supervisors and bank service divisions Employee Personal Assistant ChatMe & mAIA Artificial + "natural" intelligence to give answers to all customer needs and inquiries. Real time. Delightfully
  20. 20. 20 MARKETPLUS Endless offer to end customers through an open ecosystem of apps from fintech, insurtech and tradetech. Bank as a marketplace made true. Placeyourscreenshothere
  21. 21. 21 FROM TO Open bank offer Open API for fintech Account aggregation Partnership with GAFAA Core bank offerPartnership with GAFAA Fintech offer (e.g PFM) Account aggregation Bank "Y" offer (e.g. funds) Bank "X" offer (e.g. loan) Core bank offer + Open AVPI Value Proposition Interface
  22. 22. 22 Finance Bay is a marketplace where customers can “shop” for trusted FinTech, InsurTech, TradeTech apps BBVA API MarketBBVA API Market is the open and global API platform from BBVA Open AvPI Value Proposition Interface Fidor FinanceBay MARKETPLUS Endless offer to end customers through an open ecosystem of apps from fintech, insurtech and tradetech. Bank as a marketplace made true
  23. 23. 23 Finance Bay is a marketplace where customers can “shop” for trusted FinTech, InsurTech, TradeTech apps BBVA API MarketBBVA API Market is the open and global API platform from BBVA Open AvPI Value Proposition Interface Fidor FinanceBay MARKETPLUS Endless offer to end customers through an open ecosystem of apps from fintech, insurtech and tradetech. Bank as a marketplace made true
  24. 24. 24 TIPS Spending behaviors + expense forecast + mindset segmentation to coach on tailored, smarter financial decisions. Proactively and contextually.
  25. 25. 25 TRANSACTIONS 4 actions Lead / action generation-oriented Information-oriented Pull & batch Push & contextual Expected role Engagement Logics From What May Raise Numbers To What Numbers May Raise
  26. 26. 26 Market-1st Omni-Channel Personalisation Leveraging advanced Data Science to power best-of-breed personalised digital experiences for customers Maturity tracking is an automated system that accumulates information, approaches customers at the right time with the best offer available to gain their deposit Maturity Tracking TRANSACTIONS 4 actions TIPS Spending behaviors + expense forecast + mindset segmentation to coach on tailored, smarter financial decisions. Proactively and contextually
  27. 27. 27
  28. 28. 28 MEETING LIFE VALUES AS EMERGING THREAD OF THE WHOLE RETAIL BANKING INNOVATION COMMITMENT
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  30. 30. 30 LIFE VALUES AS LENS
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  33. 33. 34 Lubomir Olach COO, Director of International Development Efma lubomir@efma.com @LubOlach Thanks! Any questions?

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