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Paths to digitalization
ISB Summer School – 2017
Why?
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PSD2
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PSD2
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PSD2
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Why?
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Identify your pain points
1. Reduce Compliance, IT & DevOps costs?
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Identify your pain pointsReduce compliance, IT & DevOps costs*
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Identify your pain points
1. Reduce compliance, IT & DevOps costs?
2. Deliver new services clients are demanding?
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Identify your pain pointsDeliver new services clients are demanding*
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Identify your pain points
1. Reduce Compliance, IT & DevOps costs?
2. Deliver new services clients are demanding?
3. Improve time-to-market of new products?
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Identify your pain pointsImprove time-to-market of new products
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Identify your pain points
1. Reduce Compliance, IT & DevOps costs?
2. Deliver new services clients are demanding?
3. Improve time-to-market of new products?
4. Expand client base?
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Identify your pain pointsExpand client base
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Identify your pain pointsExpand client base*
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Identify your pain points
1. Reduce Compliance, IT & DevOps costs?
2. Deliver new services clients are demanding?
3. Improve time-to-market of new products?
4. Expand client base?
5. Find more options to invest? (ratio deposits vs. loans)
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Identify your pain pointsFind more options to invest – Robo advisory
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Identify your pain pointsFind more options to invest – Robo advisory
Image: Betterment
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Identify your pain pointsFind more options to invest – Long tail
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What?
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Digital BankingTechnology, platform, architecture
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Digital Banking2-speed banking
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Digital BankingCommunity banking
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Digital BankingOpen banking
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WhatCulture & processes
How?
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How?
Inner path Best-in-class
Spin-off Coopetition
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Inner path
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Inner PathDigital maturity
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Inner PathHype cycle of technologies
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Inner PathHype cycle of digital banking
Inner path Best-in-class
Spin-off Coopetition
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Best-in-class
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Best-in-class
Inner path Best-in-class
Spin-off Coopetition
41Spin-off
Inner path Best-in-class
Spin-off Coopetition
43Coopetition
44Coopetition
45Paths to digitalization – Coopetition, platforms, BaaS
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47Coopetition
48Coopetition
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CoopetitionBlockchain
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CoopetitionBlockchain
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CoopetitionBlockchain
Do you need a blockchain?
No.
52Coopetition
1. Inner path 2.Best-in-class
3.Spin-off 4.Coopetition
Hands-on!
5th path
55Values basedSpeculative
Van
guar
dLe
gacy
Dig
ital
Social-life based
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Digital Social Banking
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If you want to build a ship, don't drum up people to collect wood and don't assign them tasks and work,
but rather teach them to long for the endless immensity of the sea.
—Antoine de Saint-Exupery
Thank You
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