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DIGITAL
ECOSYSTEMS IN
THE ERA OF
OPEN BANKING
Apidays Singapore, 08/20/20, Anastasija Nikitin
COMMERZBANK’S WAY TO OPEN BA...
COMMERZBANKAT A GLANCE
8.6B
REVENUE
~48,500
EMPLOYEES
>11M
CLIENTS
~800
BRANCHES
As of 2019 1
Anastasija Nikitin, 08/20/20...
WHERE WE COME FROM
2
Anastasija Nikitin, 08/20/20, Commerzbank AG
Cluster
Lead
Chapter 1
Chapter 2
Chapter 3
Chapter 4
Cha...
1 Objectivesand Key Results
2016 20182017
201
9
SAFe® Elements
OKRs1
Companywide Backlog
Agile Delivery Model
Scrum
Amount...
CUSTOMER INTERACTIONS
AND RELATIONSHIPS ARE
TRANSFORMING
A MINDSET
CHANGE IS
NEEDED
UX is key differentiator– customers ex...
EcosystemsTraditionalBanking
Open API
…WE NEED TO PARTICIPATE IN
ECOSYSTEMS
TO STAY RELEVANT…
5
Anastasija Nikitin, 08/20/...
1. Focus on internal
efficiency with API
3. Open Banking and beyond
2. Open Banking with
selected users
FROM INTERNAL EFFI...
HUNDREDS
of corporate API events
w ith thousands of
employees
API-related
communities
API education
videos
DIFFERENT
MEASU...
1. Stakeholder
Roundtable
2. Commitment on
deliverables
3. Aligned process
on use cases
COMMITTING THE BANK
Main challenge...
Provide banking products
and services in existing
and new ecosystems.
Provide additional value
and solve pain points.
MUST...
HOW A PARTNER PROGRAM CAN
BENEFIT A BANK
Coordinate
ecosystem
players
Increase
network
Organise
ecosystem
interactions
Imp...
PARTICIPATION IN ECOSYSTEMS IS KEY
APPROACH
› Gather first experience
› Bring additional revenue
› Identify next areas to ...
WHAT BANKING ECOSYSTEMS COULD
LOOK LIKE
Example: New Home
New
Home
1
4
5
7
8
9
10
11121314
16
17
19
20
21
22
23
24
25
Bank...
THE
TIMING
IS RIGHT
› Open Banking is here to stay
› Open Banking brings along
new way of collaboration
› Open Banking off...
THANK
YOU!
Anastasija Nikitin, 08/20/20, Commerzbank AG
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apidays LIVE Singapore - Digital Ecosystems in the Era of Open Banking by Anastasija Nikitin

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apidays LIVE Singapore - Connected Core Banking
Digital Ecosystems in the Era of Open Banking
Anastasija Nikitin, Business Expert API Banking at Commerzbank

Publié dans : Technologie
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apidays LIVE Singapore - Digital Ecosystems in the Era of Open Banking by Anastasija Nikitin

  1. 1. DIGITAL ECOSYSTEMS IN THE ERA OF OPEN BANKING Apidays Singapore, 08/20/20, Anastasija Nikitin COMMERZBANK’S WAY TO OPEN BANKING & BEYOND
  2. 2. COMMERZBANKAT A GLANCE 8.6B REVENUE ~48,500 EMPLOYEES >11M CLIENTS ~800 BRANCHES As of 2019 1 Anastasija Nikitin, 08/20/20, Commerzbank AG
  3. 3. WHERE WE COME FROM 2 Anastasija Nikitin, 08/20/20, Commerzbank AG Cluster Lead Chapter 1 Chapter 2 Chapter 3 Chapter 4 Chapter 5 Chapter 6 Cell 1 Cell 2 Cell 3 Cell 4 Cell 5
  4. 4. 1 Objectivesand Key Results 2016 20182017 201 9 SAFe® Elements OKRs1 Companywide Backlog Agile Delivery Model Scrum AmountofAPIoperations OUR DELIVERY MODE STARTED WITH AN AGILE TRANSFORMATION 2019 2020 3 Anastasija Nikitin, 08/20/20, Commerzbank AG
  5. 5. CUSTOMER INTERACTIONS AND RELATIONSHIPS ARE TRANSFORMING A MINDSET CHANGE IS NEEDED UX is key differentiator– customers expect best-in-class user experiences Customer behavior pushes banks for change New entrants disrupt banking industry Banking industry becoming more driven by technology Customers have power, not companies (pull vs. push) 4 Anastasija Nikitin, 08/20/20, Commerzbank AG
  6. 6. EcosystemsTraditionalBanking Open API …WE NEED TO PARTICIPATE IN ECOSYSTEMS TO STAY RELEVANT… 5 Anastasija Nikitin, 08/20/20, Commerzbank AG
  7. 7. 1. Focus on internal efficiency with API 3. Open Banking and beyond 2. Open Banking with selected users FROM INTERNAL EFFICIENCY TO OPEN BANKING 6 Anastasija Nikitin, 08/20/20, Commerzbank AG
  8. 8. HUNDREDS of corporate API events w ith thousands of employees API-related communities API education videos DIFFERENT MEASURES TO EDUCATE THE BANK ABOUT APIS MORE THAN A HUNDRED 7 Anastasija Nikitin, 08/20/20, Commerzbank AG DIFFERENT employees trained during several API education sessions A DOZEN OF THOUSANDS of API mails distributed
  9. 9. 1. Stakeholder Roundtable 2. Commitment on deliverables 3. Aligned process on use cases COMMITTING THE BANK Main challenges • A common understanding of existing opportunities • Transparency about initiatives • Coordination of budget and resources • Use of pragmatic prototyping options • Cross-segment decisions 8 Anastasija Nikitin, 08/20/20, Commerzbank AG
  10. 10. Provide banking products and services in existing and new ecosystems. Provide additional value and solve pain points. MUST be geared around customer journeys and needs Ecosystem Participation 3Integrate partners, to deliver targeted added value for customers and reduce the time needed to provide new solutions Partner Program 2 OUR PATH TO ECOSYSTEMS Build APIs to offer banking products and services for third parties to use in their products and services, or for end customers to integrate in their processes Open API 1 9 Anastasija Nikitin, 08/20/20, Commerzbank AG
  11. 11. HOW A PARTNER PROGRAM CAN BENEFIT A BANK Coordinate ecosystem players Increase network Organise ecosystem interactions Improve customer retention Increase partner engagement Build rapport Case studies, references API features and roadmap Make products stickier 10 Anastasija Nikitin, 08/20/20, Commerzbank AG
  12. 12. PARTICIPATION IN ECOSYSTEMS IS KEY APPROACH › Gather first experience › Bring additional revenue › Identify next areas to extend participation Identify areas where touchpoints with the customer exist, e.g. › Home › Education › Tax › B2B Services (Trade Finance) BENEFITS New Home 1 4 5 7 8 9 10 11121314 16 17 19 20 21 22 23 24 25 Bank Partner / Customer Third Parties 6 15 26 18 Provide banking products and services in existing and new ecosystems. Provide additional value and solve pain points. MUST be geared around customer journeys and needs ECOSYSTEM PARTICIPATION 3 11 Anastasija Nikitin, 08/20/20, Commerzbank AG
  13. 13. WHAT BANKING ECOSYSTEMS COULD LOOK LIKE Example: New Home New Home 1 4 5 7 8 9 10 11121314 16 17 19 20 21 22 23 24 25 Bank Partner / Customer Third Parties1. Consultation 2. Location check 3. Land / property search 4. Contact Agent / Owner 5. Get price indication 6. Clarify pre-financing 7. Notary appointment 8. Sign contract 9. Informationon renewable energy 10. Consider friends‘ experiences 11. Get cost indication 12. Plan house / living 13. Compare costs 14. Employ architect 15. Evaluate homeconstruction loan 16. Conclude financing 17. Conclude personal insurance 18. Find and employ construction company 19. Conclude insurances 20. Find and employ craftsmen 21. Plan and instruct kitchen / furnishing 22. Select electricity & gasprovider 23. Employ relocation service 24. Select TV- and phoneprovider 25. Engage householdhelp 26. Conclude supplementary financing Obligations that customer has to face when building a new house Source: Der Bank Blog 6 15 26 18 12 Anastasija Nikitin, 08/20/20, Commerzbank AG
  14. 14. THE TIMING IS RIGHT › Open Banking is here to stay › Open Banking brings along new way of collaboration › Open Banking offers new products and services with a customer-centric approach Let’s collaborate Let’s build together Let’s standardize 13 Anastasija Nikitin, 08/20/20, Commerzbank AG
  15. 15. THANK YOU! Anastasija Nikitin, 08/20/20, Commerzbank AG

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