Inclusive Growth with Disruptive Innovations Gearing up for Digital Disruption
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1 Productivity in Indian Banking: 2015 Inclusive Growth with Disruptive Innovations Gearing up for Digital Disruption 24 August 2015
2 FinTech's in Personal Banking Bharat P_Presentation - FIBAC 2015.pptx 1
3 FinTechs in SME banking Bharat P_Presentation - FIBAC 2015.pptx 2
4 1000+ FinTechs live today, $11B+ already invested and counting 10 years ago 5 years ago Today Emergence of lending platforms like peer to peer Emergence of new cluster in real estate funding Emergence of cryptocurrency Early players in credit/ debit cards, payments and security Strong growth in payments: transfers, processing, etc. Total Companies: ~250 ~500 2x ~1,000 Total Funding: $<1Bn $2Bn 6x $11Bn LEGEND: Payments Lending Security Investments Planning Credit/Debit Cards Note: 980 companies related to retail banking were discovered with Quid and allowed to cluster based on similar products, technology, customers etc. Quid database includes companies who have received equity investment since Publically available information on product, business, funding etc is then collected for the company lifetime. Source: Quid, BCG analysis. Bharat P_Presentation - FIBAC 2015.pptx 3
5 FinTechs in India Area Objective Companies in the Indian market Payment disruptions B2C payments B2B payments Paytm icash Card MobiKwik Money on Mobile PayMate Citrus Payment Solutions ItzCash Oxigen Paycash C2C payments MOWA Instamojo CIBOLA Technologies SME lending Capital Float SMEcorner Lending innovations P2P lending Crowd funding Rang De Faircent Milaap i-lend Wishberry BitGiving Ketto Fundlined Data and analytics based lending IndiaLends LendingKart Technology back-end solutions Ezetap mfino Airpay Payment Services Circleitup epaisa Source: BCG analysis. Bharat P_Presentation - FIBAC 2015.pptx 4
6 Business models turned upside down Sell first and engage after Engage first and sell after Marketing Traditional business model Products sales Marketing + advocacy Crossand upselling Crossand upselling Digital business model "free" service Loyal user Data analytics Loyalty (after sales) Products sales Online business models (cost/price advantage) vs. digital business models (customer experience) Bharat P_Presentation - FIBAC 2015.pptx 5
7 Operating models polar opposites Traditional bank operating model Fintech / Digital operating model Efficiency Standardization Innovation Individualization $ Price and proximity 24 Service and availability Loyalty through after sales service Richness through personal relationship Loyalty through free pre-sales service Richness through smart data Closed platforms Open platforms $ $ Few large scale investments $$$ $$$ Many small scale investments Long term projects Rapid prototyping Bharat P_Presentation - FIBAC 2015.pptx 6
8 What should the banks do? Leader Experiment Ecosystem Develop a innovative customer experience and operating model Fundamentally reinvent the business model beyond conventional banking scope Pace Extinction Evolution Digitize and refine existing customer experience Follower Source: BCG analysis. Narrow Scope Broad Based Bharat P_Presentation - FIBAC 2015.pptx 7
9 What will be the future of bank branch? Bharat P_Presentation - FIBAC 2015.pptx 8
10 Adapting to digital will require changes on many fronts Organizational agility Culture of experimentation Digital technology adoption Flexible architecture Digital talent Strategy adaptability Integrated systems and data Straightthrough processing Analytics driver decision Seamless making multi-channel presence Bharat P_Presentation - FIBAC 2015.pptx 9
11 Service Oriented Creating agile friendly bank IT architecture Hairball IT architecture... Key impact of lean and agile IT architecture Core systems / repositories Front end Applications Core banking Call center Impact From To Loan management Card management Debit card management Transaction systems Trading platform Wealth management CRM ATM Switch Mobile banking Internet Banking Payment systems Collections systems 1 2 Effort for new developments Time for development 5 10 project teams X 3 4 months < 2-3 lean integration teams 0.4X 0.6X 3-4 weeks Core systems / repositories Core banking Front end Applications Call center 3 No. of systems interfaces M x N M + N >400 1 ~50 Loan management Card management Debit card management Transaction systems CRM ATM Switch Mobile banking Internet Banking 4 Duplicate systems 20 systems None Trading platform Wealth management Payment systems Collections systems 5 Data, document mgmt systems >10 systems 2... to a modular (SOA) IT architecture Bharat P_Presentation - FIBAC 2015.pptx 10
12 Cybersecurity mitigation approaches creating bad customer experiences Bharat P_Presentation - FIBAC 2015.pptx 11
13 Thank you bcg.com bcgperspectives.com
14 Fintech's in Personal Banking Bharat P_Presentation - FIBAC 2015.pptx 13
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