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Kundenbedarf durchanalytische Funktionenidentifizieren
Schwenk in Richtung neuerTechnologien, Channels undWegen zum Kunden
Industrialisierung derProzesse bei gleichzeitigerIndividualisierung
Innovationen imBankgeschäftüberlebens-notwendig
Nutzung undVerschränkung der Kanäleals Voraussetzung für einintegriertes Kundenerlebnis
FinTech Startups gewinnen mitinnovativen Geschäftsmodellenan Bedeutung
PlattformDigitale Transformation und Zukunft desBankings
21. April 2015 bei PwC Österreich
Herausforderungen in Banken?
Rasche Reaktion und Anpassung der Produktzyklen aufÄnderung der Kundenbedürfnisse und Regulatorien
>600maccounts
Market cap:389.9bn
1,4bn usersMarket cap:
226.5bn
244m usersMarket cap:
177.7bn
155m usersMarket cap:
72.4bn
332m usersMarket cap:
33.2bn
800miTunes Acc.Market cap:
737.4bn
500musers
Sold forUSD22bn
117m usersSold for
USD1.5bn
1bn usersSold for
USD1.7bn 618m usersMarket cap:
$231bn
427k FTEMarket cap:
186bn
200m userMarket cap:
17.6bn
500m usersMarket cap:
$73bn
>13m usersMarket cap:
808.1m
Yandex95m usersMarket cap:
$4.8bn
>300musers
(Skype)Market cap:
353.1bn
141K FTEMarket cap:
$32.4bn
Selection of leading technology companies worldwide
3
Global digital ecosystems are on the rise
Termine• ca. 1 Event / Quartal im PwC Office
• 23. Juni, 22. September, 1. Dezember
• Zeitrahmen von 8:30-10:30 Uhr
Agenda• Diskussion der jüngsten Trends /
Schwerpunktthemen
• Offene Diskussion durch Teilnehmer(Chancen, Risiken, Entwicklungmöglicher Strategien)
Ziele• Diskussion von Fokusthemen
• Informeller / bankenübergreifenderErfahrungsaustausch & Meinungsbildung
Teilnehmer• Bereich Strategie, (Digitaler) Vertrieb und
(Segment-)Steuerung, ChannelManagement, Innovationsmanagement
• Nach Schwerpunkthema:Servicedienstleister, Gastsprecher,….
Plattform Digitale Transformation und Zukunft des Bankings
Vorstellungsrunde
Name
Firma, Funktion
Bezug zu Digital Transformation
The breakthrough of new technologies and its impact on existingbusiness models is still to come
1999-2007:Increasing digitalization
S
SocialMedia
MobileSolutions
AnalyticsCloud
Computing
• New partnering-models
• Flexible value chain networks
• Service-orientation
• Convergence of industries(Consolidation)
• Internet as sales channel
• New digital market places
• Digitalization of products
• Digitalization of processes
From 2007:Establishment of disruptive
technologies
Tomorrow:New digital ecosystems
Change of Business Models
&
Three Top Tech Players are leading the Top 5001
10
9
8
7
6
5
4
3
2
1 Apple 737,4bn
Google 389,9bn
Exxon Mobil 359,2bn
Berkshire Hathaway 350,1bn
Microsoft 347,5bn
Wells Fargo 281,3bn
Johnson & Johnson 278,4bn
Wal-Mart 266,8bn
China Mobile 261,5bn
General Electric 255,5bn
Market Cap.
The Rise of Digital Ecosystems: Global technology companies creatingdigital ecosystems and preparing the disruption of other industries
Four important drivers will change banking in Europe
Important drivers affecting product and service distribution
Increasingcompetition
Stricter investorprotection rules
Changingcustomerbehaviour
Ongoingdigitization
How are customersbehaving and what arethey demanding?
How do new digital businessmodels increase market shareand why are they successful?
How do banks usecooperations, partnershipsand insights to transformtheir business into digital?
Banks operate in aregulated market, whatare key points to beconsidered for digital?
Banking Industry
Digitisation
New business opportunities New user experience
• Business and user insights:Real time insights inform about what,when, and how we interact with usersand how we operate
• New value pools and value shifts:Opportunities for major shifts in valueoccur as market structures andcompetitive dynamics are permanentlychanged
• Productivity: Efficiency andeffectiveness gains from innovation andautomation: processes, tools,and work routines
• Personalisation and customisation
• Interactive, immersive experiences
• Real-time data and analytics
• Online- and offline integration
• Content as advertising
• Leveraging the crowd
On the innovation curve digitisation triggers new businessopportunities and enables new user experience in digital channels
Generally, there are two different business model approaches andplayers in the banking industry
"I already have an established digital platformand a strong online DNA that I would like use inorder to move into new industries and togenerate new revenues."
"I solve a very specific customer problem in thefinancial world by profound technological orprocedural changes that offer added value tocustomers."
Self-image Self-image
Digital Banking PlayerSolution-oriented business model approach
• Pace and flexibility in theimplementation of onlinebusiness models & securitydue to existing structures
• Being able to set up newproducts and services quickly
• Established market position &online DNA (employees)
• Co-dependencies to scaleproducts faster (iPhone withApple Pay)
• Deep know-how about thedigital customers, their needs,and digital distributionchannels
Capabilities
Pure Digital PlayerPlatform-driven business model approach
• Know-how and expertise in thefinancial industry and thechallenges
• Specific procedural andtechnological solutions
• Pace in the implementation ofideas and disruptiveinnovations
• Agile approach and fastadaptability
• Strong expertise on digitaltarget groups and their needs
Capabilities
BankingIndustry
Pers
onal
Finance
Manag
em
ent
Ass
et&
Wealth
Manag
em
ent
Lend
ing
Op
era
tio
ns
Paym
entTra
nsa
ctio
ns
Fintechs acting in silosTraditional bank as full service provider
Traditional bank
Personal FinanceManagement
Asset & WealthManagement
PaymentTransactions
CrowdFunding &P2PLending
Bank LoanPlatform
CrowdInvesting
Online Broker
InvestmentPlatforms
Mobile Bank
MobilePayment
OnlinePayment
E-Wallet
FinancialManagement
SavingsManagement
P2PLendingwith Bank
LendingOperations
Digital disruption will hit banks bit by bit – FinTechs are leading theway
A wide range of banks are already partnering, collaborating, orprototyping with FinTechs
Screening of startups & investors Matchmaking between startups
& investors Consulting for Intern. Growth &
Scaling Assistance in Fundraising & Exits
Build up of infrastructures for growth through resources andaccess
For investors
PwC Accelerator
PwC Accelerator
PwC’s Accelerator International Network
Diskussion & Fragen
Zukunft des Private Banking?• Diskussion Herausforderungen im Private Banking• Digitaler Generationswechsel• Übergreifende Plattform-Lösungen (live Prototyp)
Compliance im Digitalen Zeitalter?• Diskussion regulatorischer Herausforderungen• Sicherstellung der Erfüllung der Compliance-Anforderungen in
digitalen Geschäftsmodellen?
Prozessautomatisierung• Automatisierungspotenziale im digitalen Zeitalter• Plattform- und Architekturvoraussetzungen• Demo Workflow-Systeme
Zukunft der Filiale?• Anpassung des Filalnetzes an Kundenbedürfnisse• Filialnetzwerkoptimierung und Filialtypologien• Integration mit digitalen Vertriebskanälen
Mögliche Fokusthemen für die kommende Plattform am 23. Juni
Do you know PwC?
• We have more than 180,000employees
• Thereof more than 2,000 expertsin the fields of digitaltransformation including customerstrategy, multi-access andanalytics/big-data
• We supported many similarprojects with international HVBpeers but also outside financialservices
• We know how to establish trust aswe are the Nr.1 in IT security andanalytics/forensics
• We safeguard the realization ofany digital transformation throughour integrated and agile approach
• We have strong partnerships inthe digital ecosystem
• 150 Experts
• CoE: DigitalTransformation
UK
• 1,100 Experts
• TechnologyInstitute
• Mobile Lab
US
• 90 Experts
• CoE: RetailBanking
• CoE: Mobile
• CoE: CRM
Germany /Austria
PwC’s global network:> 2,000 “digital” experts
PwC global DigitalTransformation Hub
Our team’s expertise
Strategists
InformationArchitects
Engineers
Creative
Designers
Technologists
Data Scientists Researchers
Ethnographers
• 75 Experts
• CoE: DigitalTransformation
Australia
• 650 Experts
• Delivery &InnovationLab
India,China
• 80 Experts
EU others
PwC is one of the largest consulting firms in the field of digitaltransformation
Programme Management
EvolveStrategize& Assess
Design Construct Implement Operate Review
Günther SeyerTechnology ConsultingT: +43 676 833 77 5118M: [email protected]
Julia TanasicDigital TransformationT: +49 170 1575846M: [email protected]
Enrico ReichePwC’s AcceleratorT: +49 151 16781604M: [email protected]
Johannes WolfslehnerStrategy & OperationsT: +43 699 16305315M: [email protected]
Ihr Umsetzungspartner im Bereich Digital Transformation
