Digital banking brings in many challenges and dangerous competition for traditional banks, However, banks have huge assets which enables them not only to survive the digital revolution but to become much more then they are today. Banks can become financial management hub for private customers by leveraging their digital assets, providing a complete customer experience and by constant innovation. See more inside.

1. Smart Players
or
Dumb pipes?
Shay Rosen
Head of Strategy & Consulting
shayr@realcommerce.co.il

2. Shay Rosen
Head of Strategy & Consulting, realcommerce
Shayr@realcommerce.co.il
http://www.linkedin.com/in/shayrosen
http://www.facebook.com/shayrs
http://www.slideshare.net/shayrs
M: 052-5118539

3. • Strategy
Business analysis, Concept creation, UX, UI
• Technology
Robust, Smart, efficient content management & e-commerce platforms
• Leadership
Powering Israel’s largest and most successful enterprises

4. Graph, charts & pies
http://www.aba.com/Press+Room/093010PreferredBankingMethod.htm - ABA

5. Current
account
Loans
Deposits
Credit/
Payments
Trade

6. Current
account
Loans
Deposits
Credit/
Payments
Trade

7. Current
account
Loans
Deposits
Credit/
Payments
Trade

8. Current
account
Loans
Deposits
Credit/
Payments
Trade

9. Dumb Pipe
Current
account
Loans
Alert
Deposits
Credit/
Payments
Trade

10. Banks competitive advantage
Extremely
Successful online banking

11. Focus on customers, not on products

13. New Vs. Existing customers
• Currently – Equal focus
• Separate sites for new customers and for existing customers service
Products
New Customers Promotion Existing Customers
Join Self Service

14. Monetize & Serve existing customers
• Smart Self Service
• Personalized product promotion
• Online sales to existing customers
Existing Customers
New Self Service
Customers Personalized promotion & sales
Join
Service

15. The Customer Journey
Browse
Information Decision Products
Buy online
•Clear •Calculators • Productize • No Branch
•Relevant •Simulators • Added value • No Call
•Transparent •Planning tools • Competitive center
•Decision •Online Advantages • Enable
supporting support closing the
•Common •Community • Build deal online
language support conversion
funnels

16. Provide The right Information

17. Help making a Decision
* Collect some useful information

18. Allow customers to Browse Products

19. Sell online

20. The new WWW

21. Innovate

22. Beware!

23. Wrap up
• Focus on customer needs not on organization constraints
• Present information in an attractive and cool way
• Support Decisions
• Be transparent and competitive
• Sell online
• Be present everywhere
• On every channel & every screen
• Build a perfect User experience

24. A bank is a financial institution and a financial intermediary that accepts deposits and
channels those deposits into lending activities, either directly or through capital markets.
A bank connects customers that have capital deficits to customers with capital surpluses
Smart players
Can Be Much More
Or
…

25. Shay Rosen
Head of Strategy & Consulting, realcommerce
Shayr@realcommerce.co.il
http://www.linkedin.com/in/shayrosen
http://www.facebook.com/shayrs
http://www.slideshare.net/shayrs
M: 052-5118539