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FUTURE OF BANKING
Michael Kramer, MD Germany
November 2015
1
TWO WAYS TO HELL?
Evolution of
classical banking
Revolution as a
digital attacker
2
TWO CULTURES TO MEET?
3
TWO EMOTOINS TO COMBINE?
Shopping
MUST DOs
Traveling
Buying a
new car
DatingListening
to music
Buying
new shoes
Watching
a movieFiling taxes
Saving for
retirement
Tracking
spending
Tracking
to dos
Paying the
bills
WANNA DOs
NOT EXHAUSTIVE
4
TWO NEW BANKING APPS A DAY
5
ONE CUSTOMER FOCUS
6
SOLUTIONS, NOT PRODUCTS
YES
75%
Percentage of customers
expecting more digital
services from their bank
Source: Global consumer banking survey
CORE
BANKING
Transactions
7
DAILY BANKING
8
NEW CUSTOMER TOUCHPOINTS
 24/7 available
 Data driven push advice
 Social re-assurance
 Multi-Banking-Channel
 Mass Customization
PUSH PULL
9
THANK YOU.

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Future of Banking