[MIX2018]Making Banking Joyful-DBS數位轉型之路 - 何子明 / 台灣星展銀行 董事總經理
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何先生於 2014 年 3 月加入星展銀行（台灣）擔任董事總經理一職，2001 年 6 月加入星展銀行的投資銀行部擔任董事總經理一職。在加入星展銀行之前，何先生自 1998 年起在美國摩根大通銀行於亞洲的全球電信、傳媒與科技集團擔任負責人。何先生職業的開端是於紐約的大通銀行作為一名兼併與收購部門的專家，之後他專攻於紐約及亞洲之傳媒與通信業。 何先生在擔任星展亞洲融資首席執行官之前，曾於 2009 年擔任星展銀行中東地區負責人，2010 年擔任星展銀行之馬來西亞負責人，並於 2001 至 2011 年中期間擔任星展銀行電信、傳媒與科技行業（TMT）全球負責人。
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[MIX2018]Making Banking Joyful-DBS數位轉型之路 - 何子明 / 台灣星展銀行 董事總經理
- 2. Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. DBS Bank accepts no liability whatsoever with respect to the use of this document or its contents. MIX 2018 Making Banking Joyful DBS 數位歷程 May 2018
- 3. 星展銀行-亞洲最佳銀行 如今更是 全球最佳數位銀行 為何星展是最佳數位銀行？ 一切都是由重新定義 “銀行業務”開始。 從新加坡的行動電子錢包到印度的首家純數位化銀行；完全無紙化， 客戶無需簽名確認， 也不必前往分行辦理手續。再從市場上唯一為中 小企業打造的社群平台到在亞洲各地舉辦的黑客松和金融科技實習機 會等等，這些都只是星展被視為世界最數位化銀行的理由之一。隨著 貫徹星展集團想要塑造愉悅的銀行體驗（Making Banking Joyful） 的目的，數位轉型在整個銀行都四處都可見。
- 4. 文化轉型
- 5. BANK TECH FIRM Hierarchical Risk adverse Own everything Flat structure Experimental Eco system player
- 6. DBS – 22,000名員工 的新創公司 生態圈與空間 產業結盟 50+來自產、官、學各界的夥伴，還有智庫 等，利用業界最頂尖的研究與先進想法 DBS HotSpot 我們很積極的與新創圈建立關係，向DBS HotSpot就是一個Preaccelerator 的專案 獨立的空間 一個開放辦公室的概念，用來連絡感情的交 誼廳還有用來專注學習的專門空間，鼓勵合 作與創意發想。DBS Asian是我們最新的空 間讓員工可以創造象徵性的客戶體驗並與科 技金融圈培養合作 平台與工具 1,000次的實驗 自2015年起，我們已經執行超過 1000次的實驗，證明創新的文化在 許多組織裡可以更深更廣。我們鼓 勵員工成為內部創業家，在提供指 導與資金後，有一些人在白天工作 之外也創立了自己的新創公司 大量使用雲端工具 DBS是新加坡第一個使用微軟Office 365的企業。 Office 365是一個雲端 的生產力科技工具，讓員工可以隨 時隨地近行協同工作與會議，並在 線上行成一個更有凝聚力的社群 未來的職場 沉浸於體驗式的學習 透過星展所舉辦的數位課程、 黑客松、孵化器/加速器以及金 融科技連盟，員工已俱備實驗 與創新的觀念。我們同時也有 數位代表，促進員工間的數位 能力 增近數位技能 我們雇用客戶體驗設計師、編 碼師、軟體工程師與數據分析 師來增近數位能力
- 7. DBS ACADEMY - 2015DAC@MBFC - 2012 NEW DBS INNOVATION FACILITY! LAUNCHING ON 14th NOV, 2016 JOYSPACE - 2016 Joyful Space
- 8. DBS TW new Office - 2017 8
- 9. MOJO 9
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- 11. Attractive Package Learn, solve, build, network and get paid doing it! Expert Mentorship Tap into the wealth of knowledge and gain first hand advice from DBS mentors. Innovation & Entrepreneurial Training Innovation and entrepreneur workshops to take your product / solution to a higher level. Exclusive Pitching Pitch your product prototype to a panel of DBS executives to explore go-to-market potential.
- 12. 科技轉型
- 13. Exponential Technologies 13 By Eric “Astro” Teller
- 14. 14 REGULATION NEGOTIATION ECOSYSTEM INTEGRATION DATA-DRIVEN BUSINESS MODEL DIGITAL INITIATIVES INNOVATION/ DIGITAL STRATEGY Artificial Intelligence (Cognitive Computing)
- 15. Innovation Focus of 2017 15 Business Agile 採行敏捷式開發的精神與方法 Data Driven 透過資料分析，發現客戶需求，制訂決策 API Economy 策略結盟，建立以客戶為中心的 Ecosystem Artificial Intelligence 運用人工智慧，增進營運效率 AI
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- 21. 更大的信箱空間 & 雲端硬碟 • 從200MB升級至100GB • 每個人享有1TB超大容量 ，可隨時、隨地處理文件 和資訊 文件共編功能 在瀏覽器上與同事即時、共同編輯與分 享文件 三道雲端資料保密措施 • 資料標準防護-RMS • 資料進階防護-DLP • 駭客攻擊防護-Advanced Threat Protection 企業Skype 視訊會議 隨時開啟視訊會議，節省時間，提升跨 部門、跨地區的溝通效益 企業社群平台Yammer 更快速的討論、分享，強化員工間的交 流 SharePoint 協助內部各式文件資源的分類整合，建立 內部知識庫系統，讓各種累積下來的知識 成果可以共享、共用 Office 365 特色
- 22. 數位銀行案例
- 23. POSB智慧夥伴計畫 23 POSB於10/20/2017宣布開始測試全球首個POSB智慧夥伴計畫 (POSB Smart Buddy Programme)，此計畫藉由修改後的智慧手 錶或學生證，提供新加坡的孩童一個校內的非接觸式支付生態系統 ，家長可利用手機APP了解孩童於校內的支出及儲蓄行為，並提供 互動且有趣的方式培養學生明智的消費及儲蓄習慣。
- 24. 星展集團推出新加坡最大的C2C汽車買賣平台- DBS Car Marketplace 24 • 星展集團8/10/2017宣布與sgCarMart和Carro合作，正式推出新加坡最 大的C2C汽車買賣平台-DBS Car Marketplace (go.dbs.com/car) ，這 是自新加坡金管局（MAS）今年6月允許銀行經營電子媒合平台後，市 場上第一個由銀行推出的線上買賣平台 • DBS Car Marketplace為汽車買賣雙方提供 一站式解決方案： • 賣家可以免費刊登物件在sgCarMart和 Carro上 • 買家在平台上購車能享有星展集團的車 貸優惠利率1.99％ • 可以直接在平台與賣家預約試乘，成交 後平台也提供雙方免費的車子過戶服務
- 25. 案例分析: 星展Digibank • 印度第一個純數位化銀行 (mobile- only bank) • 完全無紙化，客戶無需簽名確認， 也不必前往分行辦理手續 • 在90秒內即可完成開戶手續 • 人工智慧，機器學習 • 生物識別系統 • 1年內超過100萬名客戶 • 相對設立1家傳統的銀行，Digibank 只要1/5的資源
- 27. 資訊安全
- 29. Cybrfit 29
- 30. Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. DBS Bank accepts no liability whatsoever with respect to the use of this document or its contents. We’re 40 now from 10 countries. We speak Indonesian, Japanese, Mandarin, Cantonese, Hokkien, Ming Nan, Hindi, Malay, Thai and English (plus one British accent) CBG User Experience & Design Defining Joyful Banking Experience
- 31. Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. DBS Bank accepts no liability whatsoever with respect to the use of this document or its contents. OUR MISSION We aim 1) to help business leaders realize their visions 2) to deliver what customers really need 3) to partner with technology to build a flexible & long-term service platform. And gradually iterate to innovate.
- 32. Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. DBS Bank accepts no liability whatsoever with respect to the use of this document or its contents. In another words, we aim to use design thinking & process to help DBS—Designing Right Things and Designing Things Right. Designing the right thing Designing things right OUR MISSION
- 33. Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. DBS Bank accepts no liability whatsoever with respect to the use of this document or its contents. Don’t focus on showcasing new technology. Focus on the benefits or how it make customer’s life better. HOW WE DO THING (CREATING PRODUCT SPIRIT) Standard Efficiency Refinement DATA TELLS GOOD STORY DIAMOND CUTSETS THE LONGSHOT
- 34. Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. DBS Bank accepts no liability whatsoever with respect to the use of this document or its contents. Be a better designer, leader, coach and mentor Practice the design thinking, UX Methods Apply DLS2.0 Evangelize UX at broader scale Improve how we deliver products Build a holistic digital channel customer journey with consistent experience on desktop, laptop, tablet, and mobile Deliver our digital products to our customers with design thinking and customer-centric design. Deliver what our customers want Build design capabilities within DBS CBG Banking by design Aligned to: 3) Employee Aligned to: 4) Regional (Key Priorities) Aligned to: 6) Enabler (Key Priorities) Aligned to: 1) Shareholder Aligned to: 7) Pride 1Build a World Class Design Team 😎 3Define Core Experiences & Services 🤔 4Scale Best Design Practice & Process 😓2Design Best- in-class Digital Touchpoints 😅 5Move Up UX Maturity at DBS Bank 😇 OUR MASTER PLAN (2014–2017)
- 35. Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. DBS Bank accepts no liability whatsoever with respect to the use of this document or its contents. Determine the Standard of Success PRODUCT SPIRIT #1 SET THE STANDARD
- 36. Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. DBS Bank accepts no liability whatsoever with respect to the use of this document or its contents. Accomplish, with least waste of time and effort PRODUCT SPIRIT #2 EFFICIENCY
- 37. Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. DBS Bank accepts no liability whatsoever with respect to the use of this document or its contents. Remove impurities or unwanted substance, to improve clarity PRODUCT SPIRIT #3 REFINEMENT
- 38. Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. DBS Bank accepts no liability whatsoever with respect to the use of this document or its contents. 1. Build a World class Design Team 😎 2. Design Best-in- class Digital Touchpoints 😅 3. Define Core Experience & Initiatives 4. Scale Best Design Practice & Process 5. Improve UX & Design Maturity at DBS Bank 😇 🤔 😓 Make Design a Priority 2017
- 39. DLS 0 – TW iB DLS 1.0 – SG iB
- 40. DLS 1.0 – SG DBS mB DLS 1.0 – SG POSB mB
- 41. DLS 1.5 – SG iWealth Web & APP
- 42. DLS 2.0 – SG pWeb
- 43. AFTERBEFORE
- 44. DLS 2.0 – SG Life Style DLS 2.0 – SG PayLah!
- 45. THANK YOU! Partner & Empower our Future