© 2016 IBM Corporation

Starting with Cloud … future of Banking is

Cognitive Karolina MarzantowiczIBM Distinguished Engineer@kmarzantowicz

The age of new customers Digital natives

The age of new channelsOmni channels || Smart wearable

The age of new product mixBanking and non banking products

Growth of non-interest income

The age of new insightData mining || Risk management

The age of new value propositionsLife stage and life style drivenInstant offers and gratification

Financial institutions

The

age

of n

ew

com

petit

ion

The

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of n

ew re

gula

tions

© 2016 IBM Corporation© 2016 IBM Corporation

CloudDigital

Cognitive

@kmarzantowicz

Cloud

Bank

Traditional IT

Private Cloud

Public Cloud

PaaS

SaaS

Social Business

IaaS

Global Reach

3rd parties systems

Cloud means

HYBRID

Digital

Cognitive

Cognitivecomputing

Digitalnetwork

Enablinginfrastructure

Businessecosystems

The cognitive

bank

Mobile and social

Omni-channel

Analytics

Digital operations

Customer value chains

Customer economic choices

Integration

Big data

IT infrastructure

Security

Resilience

Natural language processing

Machine learning algorithms

Ecosystem services and partners

Cognitive analytics

Within this transformation, a new type of bank is beginning to emerge – the cognitive bank

Blockchain

Client Experience Financial Analysis Risk and Compliance

Emboldened, digitally-savvy customers expect rapidly evolving new services and offerings, available 24/7

Fierce competition for customers spawns entrance of non traditional firms, consolidation

Financial data explosion make it impossible to stay current

Insight and Intelligence was identified as key focus by Financial Industry CEOs over the next 3-5 years

Enhanced regulationDodd Frank, Basel III, stress tests introduce complexity and cost

Turbulent economy increases operational risk

© 2016 IBM Corporation© 2016 IBM Corporation

Cloud is a FUNDAMENTDigital is JOURNEY

Cognitive is a DIRECTION

@kmarzantowicz

© 2016 IBM Corporation© 2016 IBM Corporation

@kmarzantowicz

Karolina MarzantowiczIBM Distinguished Engineer