2. Customer Experience Solutions. Delivered.
For more insight on how to realize the Bank 2.0 vision, download our
Bank 2.0 white paper:
http://banking.backbase.com/adv/bank20-whitepaper.php
5. Rising customer expectations and the growing importance of the
Web and mobile as sales and service channels mean that
financial services e-Business executives need to fundamentally
improve the way they serve customers via digital channels.
The Big Shift : Banking has to be SUPER
5
6. Outside-In
CUSTOMER Customer Enable
EXPERIENCE
LAYER
INTERNAL Web / Mobile
SYSTEMS Enable
AND PLATFORMS
Inside-Out
The Big Shift : From Inside-Out to Outside-in
6
7. Customer Oriented
Functions & Operations
√
Innovation capability CUSTOMER
& customer orientation EXPERIENCE
LAYER
LOOSELY
COUPLED
√ Efficiency & quality
INTERNAL
SYSTEMS
AND PLATFORMS
Back Office
Functions & Processes
Backbase : New Customer Experience Layer
7
8. The Value Exchange: Drivers for effective web presence
Improve my life Buy more
•Fit my unique needs. •Acquire new customers.
•Address more of my •Increase share of
requirements wallet.
•Get longer lasting
Respect my time relationships.
•Be more convenient.
•Be faster and simpler. Cost Less
•Sell and service more
Save me money efficiently.
•Be cheaper to own. •Smarter marketing.
•Give me a better deal.
Bank 2.0: Value Exchange – Create Win / Win
Relations
8
9. Chat, Video
Alert
My Bank Bank 2.0
Dashboard Widgets
Origination / Transaction Valuable
Self-Service Content
Banking
Targeted
Engagement
Advisory
Offers Banking
Tools
Actionable
Insights
Bank 2.0 : Elements of Engagement Banking
9
10. Customer Experience Solutions. Delivered. 1
Unify Content & Applications into Seamless Journey
Customer Personal & Contextual Seamless
In Control Relevant Smart Journey
Customer Centric Experience Layer
Application CRM Process Security &
Integration Integration Integration Compliance
BUs Products Systems Processes Compliance
11. Customer Experience Solutions. Delivered. 1
Widgets (Mix & Match)
ONLINE CALL BRANCH
MOBILE CENTER OFFICE
CUSTOMER ENGAGEMENT PORTAL
PERSONALIZATION FORMS
1:1 Marketing Enrollment
(targeting, segmentation)
Re-Usable Self-Service ...
COMMUNICATION Widgets CONTENT
Chat, Mail, SMS Consistent
Across Channels
INTERNET BANKING OTHER APPLICATIONS 3TH PARTY APPS
Transactional CRM PFM
12. Enterprise portal standard: Internet Banking & Self-Service functions
Absa Fully decoupled presentation layer (implemented in 12-18 months)
Barclays Integration with 20+ heterogeneous sources and applications
Largest implementation in South Africa 12
13. Customer Experience Solutions. Delivered. 1
Enterprise Portal Framework : employee & customer facing
ABN Largest Implementation : 6 Mio active Internet Banking users
AMRO Multi channel & device delivery : internet, mobile, branch, call
Stack : Backbase + Tibco | Implementation : Cap Gemini + TCS 13
14. Customer Experience Solutions. Delivered. 14 1
Bank 2.0 : Empower all Stakeholders
Portal Manager Bank 2.0 Launchpad
(e-Business Professionals) (Your Customers)
Customer
in Control
Backbase Portal Foundation
Existing Banking Systems
16. Customer Experience Solutions. Delivered. 16 1
Bank 2.0 : Empower all Stakeholders
Portal Manager Bank 2.0 Launchpad
(e-Business Professionals) (Your Customers)
Business
in Control Customer
in Control
Backbase Portal Foundation
IT
in Control
Existing Banking Systems
17. Customer Experience Solutions. Delivered. 1
Business
in Control
Portal Manager : Configurable by Business / Marketing
17
Challenge Traditional banking sites suffer from the silo syndrome. Their public website is completely separated from their closed internet banking platform. They run on completely different technologies, making it hard to re-use assets across both platforms. Customers have to interact with multiple (often very different) websites and its extremely hard to make a seamless customer experience. Backbase Solution - Backbase Bank 2.0 Portal offers a single platform to manage, monitor and optimize all your online customer interactions. - It enables Banks to create a seamless customer journey between public and personal information and across multiple devices and channels.
Critical Business Issue Most Portals are managed by IT professionals. Its difficult for non-technical business teams to manage their Portal directly. The process to implement new functionality is too lengthy (change request procedures, complex back-end dependencies, poor Business-IT cooperation, etcetera). As a result Banks loose their flexibility and are beaten by more agile competitors. Backbase Solution - Backbase Portal Manager is a graphical user interfaces to empower non-technical business people to easily change and optimize their customer interactions (e.g. update content and web forms, update page lay-out and contents, optimize targeting rules and analyze / optimize online campaigns). Portal Manager enables non-technical people to manage and optimize the customer experience layer, and reduces their IT dependency.
Critical Business Issue Most Portals are managed by IT professionals. Its difficult for non-technical business teams to manage their Portal directly. The process to implement new functionality is too lengthy (change request procedures, complex back-end dependencies, poor Business-IT cooperation, etcetera). As a result Banks loose their flexibility and are beaten by more agile competitors. Backbase Solution - Backbase Portal Manager is a graphical user interfaces to empower non-technical business people to easily change and optimize their customer interactions (e.g. update content and web forms, update page lay-out and contents, optimize targeting rules and analyze / optimize online campaigns). Portal Manager enables non-technical people to manage and optimize the customer experience layer, and reduces their IT dependency.
Let’s take a slightly more detailed look at how this would work. You have your Banking Platform containing your existing infrastructure and the flexible presentation layer as introduced a few slides ago. Most important part of this presentation layer are widgets, the mini-applications. You can optimize these widgets for mobile devices using HTML 5 and multiple open source libraries like jQuery Mobile. Now you are able to (1) directly publish these widgets to the browser or make these widgets available as a native application using the native wrapper (2). Some reasons to choose for a native approach instead of the web approach could be extra device optimization and differentiation such as, use of caching, access to hardware for geo-location, camera usage and security. Using the widget approach gives you greater flexibility and makes sure you don’t have to develop a new application for every new device and system. With widgets on mobile, you are using the same platform as for the rest of your online banking environment: the same user experience layer, the same integration diamond and the same code. It’s a truly ‘write once, run everywhere’ solution. Tackling the biggest challenges for your mobile strategy.