reinventing the bank for the digital world

0 Copyright 2016 FUJITSU

Fujitsu Forum 2016

#FujitsuForum


Reinventing the Bank for the Digital World

Elenice Macedo

Head of Financial Services

Business and Application Services

Fujitsu EMEIA


How will

European

banks look in

10 years?


Even change is changing

Bank

Customer

Market

New competitors

Regulation

Shareholders

Political system

Use of cash

The European banking sector is facing challenges on all sides. From new technologies, new market players and new regulations:

Empowered customer

High regulation

Competition from new business models

Low interest rates

New technologies


Customer • Less loyal

• Digital

• Transparency


Market and

regulation

• Low interest rates

• Growing regulation

• Shareholders

• New technologies


Customer

- Less loyal

- More digital

- Less branch

Market and regulation

- Low interest rates

- Growing regulation

- New technologies

New entrants

• Speed

• Ease of

engagement

• Flexibility


Digital transformation at 3 levels

7

Apply digital to a function or a product and service

Digital Project Apply digital to the heart of

business

Digital Business Co-create greater value with partners

Digital Arenas

Idea

Evaluation

Trial

Prototype Digital Technology

Digital Business Platform

Digitalized Product or

Service

Operation Marketing

Customer Interface

Mobile IoT

Cloud

Security AI

Analytics

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Mobility Quality of Life

Safety


Digital Revenue

Different banks have different digital strategies

Early adopters 20 %

Branch-based model: engagement with customers

A superior customer service culture

FinTech partnerships

IT-platform restructuring allowing new services

Disruptors 3%

Simple products and processes are the norm

Agile corporate culture

iPads, free wifi, 3D printers

Small business

Doing basics well and focus on customer have established a long and strong life

Does not appear in hard numbers, and yet investment is requested

10 years

Cost

Traditional 77%

Repricing and ending free services

Governance simplification

Branch restructuration

Operation centralization

Digitization of key processes

Nothing new, but all together and effectively executed make a difference


Fujitsu deploys an

end-to-end solution:

• Devices

• Middleware

• User application

• Services and

innovation

A pillar for the new bank


Robotic Process Automation


It automatically processes transactions, manipulates data, triggers responses,

and communicates with other systems as necessary

Emulates the work of a human agent, using screen and keyboard, to drive applications

and execute system-based work

Robotic - Robots, but actually are software tools

Combine user interface (UI) recognition technologies and workflow execution


Enhanced security for a new world


New security for a new world

Create list of Web assets analyzed, with a virtual and real-time inventory upgradeable via Web

New and growing scenario

New problem Assets not visible to the security team

External Sources

Targeted Unmanaged

Unkown Digital Assets

> 80%

46,2%

> 66%

Digital, clean and easy to understand for identifying violations and malicious brand assets easily.

Creating digital assets.

FUJITSU IQ Solution


To be or not to be an open platform

Bank as a Service Just for friends

Allows producers and consumers to connect to a platform

Specialized in current account service

Connect customers with selected third-party providers

Improve the digital

experience integrating

specialized third parties. Openness

Traditional

Current distribution model

Provides own current own portfolio

If it’s working….


Our Approach to Digital

14

Portfolio of technologies and services, driving digital transformation

Hyperconnected API Economy

Existing Business

Applications

Existing Business Digital Business

Industry specific services

Mobile IoT Analytics Security

Cloud

Value Creation

AI

Copyright 2016 FUJITSU


Financial Solution "Finplex"


MetaArc Digitalize with Confidence

MetaArc delivers Digital Transformation.

MetaArc comprises a comprehensive set of Solutions, Services, Cutting Edge Technologies and Engages our Eco-system of Partners.

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Human Centric Intelligent Society

You can download the complete study

http://newpaceofchange.com/

http://newpaceofchange.com/