From increments to exponents

13 BANKING TRENDSFOR 2013

Analytics gets realtime, and mobility isa priority

Banks will combine existing and real-time information of a customer, transaction, and product to integrate it with applications like location-based services

01

The core evolvesFrom transaction tointelligence

Transaction history will emerge as a way to identify new product / service requirements or push contextual offers

02

Time to cash in thechips on gamificationBanks look to tap into the virtual gamingecosystem or charge a fee for facilitatingend-to-end payments of virtual currencies

03

Socializing pays offwith a newrevenue stream

Social media goes from customer care to new selling opportunities – powered by peer recommendations, personalized services, and co-creation of products

04

Banker, retailer, telco,technologist: thenew gang of four

Banks go from collaboration to co-creation, with new services and products that combine offerings from banking and non-banking entities

05

The teller is a jollygood seller

A shift in mindset and training programs help tellers become trusted salespersons who understand customer needs and proactively recommend new services

06

65 plus is easier toserve than 30 minus

The rush to woo Gen Y customers will be coupled with increased focus on senior citizens globally – as they have considerable savings, want simpleproducts, and are less likely to jump ship

07

Life stage bankinggets overlaid withlifestyle banking

All customers at the same life stage like education or marriage may not have the same needs — their lifestyle – influenced by geography, culture and interests – will define their banking solutions

08

The CIO’s Agenda

Baby steps, not bigbang: progressivemodernization

Use a phased approach to avoid disruption and experience the possibilities with projects for new channels, customer segments, and lines of business

09

Try some real estateon the cloud

Use one of the big three – infrastructure, platform, or software as a service – to test the ‘cloudability’ of areas like end-user computing, payroll processing, or procurement

10

If IT is a problem,it’s also a solutionThose grappling with legacy systems needCreative thinking to build new self-healingIT layers that simplify processes andincrease automation

11

In search of the rightoutsourcing model

Rather than outsourcing everything or notoutsourcing at all, banks need to outsource the right processes to the right IT or BPO partners

12

Mobility: the ultimatetroubleshooting device

The ubiquity of mobile devices can be a great way to access and address IT problems ‘anytime, anywhere’ — solving not just their issues, but also those of their customers

13

Racing to greener pastures: 10 enterprisesustainability trends for 2013

Geared to innovate: 5 trends that will transform manufacturing in 2013

From increments to exponents: 13 bankingtrends for 2013

All winged up and ready to fly: 10 enterprisemobility trends for 2013

Taming the elephant: 10 big data trends for2013

More business and technology trends for 2013

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10 ways to transform your customer service experience in 2013

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