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1 solutions for demanding business A S S E C O S E E C O N S U LTA N C Y: DIGITAL TRANSFORMATION IN BANKING F a s t - f o r w a r d B a n k i n g : T h e P o w e r o f D i g i t a l T r a n s f o r m a t i o n B u c h a r e s t, 0 2 nd J u n e Piotr Widacki, Head of Consultancy, Asseco SEE 1

2 Why digital transformation? solutions for demanding business solutions for demanding business 2

3 Uber - the world s largest taxi company that owns no vehicles 3

4 Facebook the world s most popular media owner, creates no content 4

5 Alibaba the most valuable retailer, has no inventory 5

6 Airbnb the world s largest accommodation provider, owns no real estate 6

7 Digital transformation provides measurable benefits 96% of transactions directed to remote channels (Alior Bank, Poland) 55% of credit card sales effected through digital channels (Alior Bank, Poland) 94% of transactions end-to-end automated (AIB, Ireland) 32% of all sales effected through digital channels (AIB, Ireland) >180% increase in cross-sell effectiveness due to advanced online tracking and analytics (AIB, Ireland) increase in cross-sell from 0,5 to 11 new products sales for average 1k logins to enhanced internet banking system (mbank, Poland) 15% overall reduction in branch operating costs in 2 years (AIB, Ireland) Sources: Case Study: AIB Puts Its Customers At The Heart Of Digital Transformation Forrester Research 2014; Alior Bank press conference, Warsaw 2012; mbank press conference, Warsaw

8 solutions for demanding business What do we offer? 8

9 ASEE Consultancy main areas of expertise Multichannel banking Customer acquisition and online sales Franchise development Financial data aggregation We provide direct access to internationally recognized solutions and European best practices. 9

10 ASEE Consultancy: Digital Banking Strategy: strategies for multichannel banking digital transformation bank and telecom joint venture Optimization: increase of online banking users penetration rate review of UI/UX enhancement of business processes Market review + innovations: benchmarking social media in banking brainstorming sessions innovations creation 10

11 ASEE Consultancy: Customer acquisition and online sales Strategy: online customers acquisition and new product sales remote customer onboarding process Optimization: user experience improvement conversion rate optimization cross- and up-sell processes 11

12 ASEE Consultancy: Franchise development solutions for demanding business What is franchising: granting of a license by one person (a franchisor) to another person (a franchisee), that entitles a franchisee to operate under the brand of franchisor franchise market is still developing in many industries, including financial sector and number of franchise networks and franchise branches are increasing How we can support: Initial package: feasibility study and comprehensive material for go/no-go decision Franchise network creation consultancy start-up projects Existing franchise network restructuring and optimization consultancy Consultancy in the area of franchise business processes, agreements, remuneration and motivation systems Consultancy in the area of IT systems development 12

13 ASEE Consultancy: Financial data aggregation solutions for demanding business Customer acquisition process Credit scoring and application process PFM Finance Management tools Possibility to verify and identify new customer remotely by using data from other bank. Credit process can be automated and made selfservice. It is user-friendly and saves money for financial institutions. Better insights and improved management of your finances. 13

14 Why ASEE consultancy? solutions for demanding business solutions for demanding business 14

15 Why ASEE consultancy? solutions for demanding business combination of strategic consulting approach with extensive in-house implementation experience hands-on experience from internationally awarded projects proven strategies, processes and solutions verified in various markets approach focused on customer experience and engagement we engage local experts with knowledge and experience from local markets 15

16 Direct access to internationally recognized solutions We provide direct access to European best practices: reference visits meetings with experts in various areas (strategy, channels coordination and development, IT development, remote distribution management) do s & don ts lessons learned 16

17 Potential goals and benefits Main goal: significant increase in customer acquisition and sales together with decrease in total service cost due to new technologies adoption and solutions optimization Specific goals: increase of online banking users number and their activity movement of transactions away from branches to self-service channels increase of products and services sales through online channels increase of cross-sell effectiveness through online channels optimization of internal processes and services enhancement of customer loyalty, satisfaction and retention 17

18 solutions for demanding business Our experience 18

19 Our recent engagement Telenor Banka (Serbia) first fully mobile bank in SEE successfully launched in September 2014 Asseco SEE consultancy engagement: strategy creation consultancy multichannel scoping innovations creation benchmarking, research and analysis lesson learned from similar projects 19

20 Our recent engagement T-Mobile Banking Services fully digital bank launched in Poland in May 2014 as a result of bank & telecom join venture Asseco SEE consultancy engagement: multichannel strategy creation and optimization multichannel scoping innovation creation bank and telecom synergy creation 20

21 Our recent engagement Santander Consumer Bank Asseco SEE consultancy engagement: innovations creation workshops new remote customer acquisition and online sales strategy creation consultancy new multichannel strategy creation consultancy 21

22 the biggest start-up in the European financial sector in the last 30 years one of the most innovative bank in Europe with number of international awards Asseco lead consultant engagement as a Head of the Internet Department: multichannel strategy creation and execution remote customer acquisition and online sales strategy creation and execution solutions for demanding business In-house strategic experience Alior Bank 22

23 In-house strategic experience Alior Sync the first truly virtual bank in Poland Asseco lead consultant engagement: multichannel and fully online sales strategy creation and execution number of innovative and pioneering features creation (Facebook Money Transfer, PayPal integration, PFM with 3 rd parties integration, Photo Mobile Payment, remote distribution models including first ever fully online loan process) 23

24 Piotr Widacki Head of Consultancy manager with over 12 years of experience in effectively developing and implementing strategic cross-functional initiatives in financial services rare combination of management consulting approach with extensive banking inhouse experience 6 years as a Head of Internet Department for one of the most innovative European bank - Alior Bank and the first virtual bank of the 21 st century - Alior Sync built from scratch and successfully executed multichannel banking and online distribution strategies for 2 banking start-up s in Poland author of many innovative and pioneering solutions strategy consultant for the first bank and telecom joint venture in the SEE - Telenor Bank (Serbia) strategy consultant for T-Mobile Banking Services strategic alliance project (Poland) 24

25 Asseco Consultancy for further information: Piotr Widacki Head of Consultancy Services e: m:

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