Internet und Vertriebswege-Integration - auf dem Weg zur vollelektronischen Bank

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1 Internet und Vertriebswege-Integration - auf dem Weg zur vollelektronischen Bank Fraunhofer IAO 06. Februar 2001 Kai M. Morscheck Director Product Management Brokat AG, Stuttgart Financial Systems Division Version 1.0, 28/08/2000

2 CONTENT Market Solution Conclusion 2

3 CONTENT Market Solution Conclusion 3

4 BROKAT IS AN e-business HYPERGROWTH COMPANY BROKAT AT A GLANCE September 17th 1994 founded in Germany by 5 Partners st VC Funding by Technologie Holding, Munich nd VC Funding by Vertex, Singapore September 17th 1998 IPO at the Neuer Markt in Germany Entrepreneur of the Year Award 1999 by Ernst & Young Partnership with Nokia for Mobile-Banking in 2000 Strong international presence 4

5 BROKAT IS A GLOBAL PLAYER Today 30 subsidiaries in 16 countries, more than 1400 employees worldwide Tokio San Jose Hong-Kong Singapore Stuttgart Stockholm London Amsterdam Luxembourg Leipzig Budapest Paris Zuriche Vienna Milano Sydney 5

6 CONCENTRATE ON e/m-finance AND e/m-commerce SOLUTIONS FOR VERTICAL MARKETS Brokat AG e/m-finance e/m-commerce Brokat Financial Systems Brokat Commerce Systems Partner Solutions Twister the e-services Plattform Brokat Twister Division 6

7 MARKET LEADER IN e-banking AND e-brokerage THE BRAND BROKAT STANDS WORLDWIDE FOR e-finance Market share in German-speaking nations % * Market share in Europe about 40% * Global market leader e-banking and e-brokerage * European market leader of Internet financial services solutions ** Market leader mobile banking*** Over 2000 financial companies using Brokat solutions worldwide *) Meridien Research 11/99 and 8/98, **) Celent 11/00, ***) Celent 10/00, 7

8 WHO S WHO IN INTERNET BANKING INTERNET BANKING/BROKERAGE CUSTOMERS e-banking / e-brokerage 8

9 CONTENT Market Solution Conclusion 9

10 EVOLUTION OF ELECTRONIC BANKING MODELS Phase I Web Enabling Phase II Electronic Services Phase III Electronic Bank Enabling established banks for internet banking Security requirements Basic connectivity Isolated management of web channel Internet platform Enhanced back office integration (Enterprise Application Integration) First multichannel requirements (Customer Interaction) Enhanced business logic e-services Platform Outsourced backoffice Shift of business logic Enhanced multichannel capability International approach Virtual bank (electronic bank with financial applications) Customer Relationship Management Decision support Intermediary business 10

11 MARKET REQUIREMENTS I...doing business... ANYTIME ANYWHERE 11

12 MARKET REQUIREMENTS II...using... ANY DEVICE ANYTIME ANYWHERE 12

13 MARKET REQUIREMENTS III Entwicklung der Internet-Nutzung Anzahl der Internet-Anwender in Deutschland Source: Finanzdienstleistungen im Internet Interesse, Dienstleistungen online abzuwickeln Banking (privat) 46.2 Wertpapierhandel 39.9 Banking (geschäftl.) 22.4 Intra-Day-Trading 17.4 Kreditaufnahme 12.8 Baufinanzierung

14 MARKET REQUIREMENTS IV European Mobile Penetration Rates, Finland Norway Sweden Italy Denmark Portugal Austria United Kingdom Switzerland Netherlands Belgium Germany France Spain CAGR in % Source: JPMorgan,

15 MARKET REQUIREMENTS V Marktuntersuchungen belegen, dass 80 % aller Kunden zukünftig verschiedene Zugangswege zu ihrer Bank wünschen, d.h. sowohl die Filiale als auch das Internet. Nur 10 % der Kunden wollen ausschließlich online mit ihrem Kreditinstitut kommunizieren und komplette Geschäftsabschlüsse vom Angebot bis zum Abschluss im Netz tätigen. Die restlichen 10 % wollen ihre Bankgeschäfte nur über die Filiale tätigen. Die Filiale wird sich künftig immer mehr vom bloßen Point of Sale für Bankprodukte und deren Abwicklung hin zu einem Know-how Zentrum für beratungsintensive Spezialprodukte entwickeln, indem ein umfassendes Kundenmanagement betrieben wird. Source: Bundesverband deutscher Banken, 15

16 MARKET REQUIREMENTS VI The number of Europeans banking via Interactive TV will increase from 573,000 in 2000 to more than 6.1 million in Source: Datamonitor 16

17 ONE VERSUS MANY requirement one device Island capabilities any device multichannel capabilities content management content generated at single point content from multiple points in enterprise customer management view customer activity on web site match customers to channels optimize level of service order management enable online transactions provide order status split orders to multiple back-end systems and suppliers track inventory levels in all channels customer service manage on-line help coordinate service across channels guided selling guide customers to appropriate solutions based on their needs make guided selling tools available to all channels 17

18 MORE CUSTOMER INTERACTION CHANNELS AND MORE PRODUCTS End devices Increasing complexity Backoffice heterogeneous system environment interface problems high process costs incomplete customer information no single point of information 18

19 REDUCING COMPLEXITY IS MISSION CRITICAL Concentration on core competence is a way to reduce complexity Outsourcing of non-usp s* a logical result * unique selling proposition Pure online banks are becoming virtual Customer Specialists e.g. Netbank or first-e Traditional privat banks (Product Specialists) are reducing complexity e.g. Sal. Oppenheim & Cie Processing Specialists are increasing the processed volume e.g. European Transaction Bank 19

20 REDUCING COMPLEXITY LEADS TO BUSINESS DISAGGREGATION Business disaggregation and the e-front-office Customer Secure Communication Customer Specialists e-front-office Max. Customer Attraction and Retention CRM Traditional Business Distributed Processing Processing Specialists Max. Efficiency and Precision Product Specialists Product Definition and Creation 20

21 CONTENT Market Solution Conclusion 21

22 INTEGRATED e-business PLATFORMS ADDRESSING e-business PAINS Relate To Your Customer Integrate Your Back-Office Customer Interaction (CI) CRM Components / Business Services Enterprise Application Integration (EAI) e-services Platform Host Your Applications & Handle Your Mission-Critical Transactions Integrate & Manage All Functional Elements Enterprise Application Server Security Integrated tools and Methodologies 22

23 GENERIC SOLUTION Financial Enterprise Application Integration Services: Market Data Order Routing CRM Solution Payments Processing Clearing and Settlement Customer Interaction Services for Internet, Mobile Phone, Call Center... Financial Protocols and Backoffice systems e-services Platform Application modules for e-banking and e-brokerage with Financial Base 23

24 SAMPLE SCENARIO One of many possible scenarios: The user enters the request for a certain title in his WAP device... 24

25 SAMPLE SCENARIO receives the current quote in real or near time... 25

26 SAMPLE SCENARIO orders the title... 26

27 SAMPLE SCENARIO and receives a message that his portfolio benchmark has changed. 27

28 CONTENT Market Solution Conclusion 28

29 CONCLUSION - FUNCTIONAL REQUIREMENTS Multi-channel customer interaction Easy Back Office integration (EAI) Single point of customer information CRM-enabled 24h/7d availability Role based concept High security standards Time-to-market Functional scalability and modularity Technical scalability and performance Flexibility and future proof Investment protection 29

30 THANK YOU FOR LISTENING Brokat Financial Systems 30

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