4. WORKFORCE
OPERATIONAL
MODEL
INFORMATION
CUSTOMER
EXPERIENCE
LEADERSHIP
TRANSFORMATION
AREA
develop
&
execute
digital
vision
omni-‐channel
experience
informaAon
as
a
service
operaAonal
readiness
empower
connect
leverage
talent
5. KEY DIGITAL REVOLUTION DRIVER
1.
Customer
Behavior
2.
Technology
Innova:on
3.
Landscape
of
Compe::on
6. You
have
got
to
start
with
the
CUSTOMER
EXPERIENCE
and
work
back
toward
the
technology
–
not
the
other
way
around.
“ “
CUSTOMER
BEHAVIOR
7. SINGLE
CHANNEL
BANK
CENTRIC
MULTI
CHANNEL
BANK
CENTRIC
OMNI
CHANNEL
CUSTOMER
CENTRIC
CUSTOMER
EXPERIENCE
TRANSFORMATION
CUSTOMER
BEHAVIOR
8. CUSTOMER
INTELLIGENCE
CUSTOMER
BEHAVIOR
360°
view
of
customer
across
products
devices
channels
other
touch-‐points
collect
iden:fy
manage
distribute
4
1
2
3
9. TECHNOLOGY INNOVATION AS ENABLER
1.
Enterprise
Service
Bus
2.
Big
Data
Analy:c
3.
On-‐demand
Compu:ng
10. Enterprise
Service
Bus
Enterprise
Service
Bus
Backend
/
Host
/
3rd
Party
Core
Card
Loan
Collec:on
SKN
RTGS
SWIFT
Bank
Assurance
Bill
Payment
Treasury
RemiZance
Other
Data
Warehouse
/
Big
Data
/
Analy:c
Master
Data
ETL
HDFS
Map
Reduce
Report
Dashboard
Enterprise
Service
Bus
Conven:onal
Channels
Digital
Channels
Other
Touch-‐points
G
O
V
E
R
N
A
N
C
E
S
E
C
U
R
I
T
Y
TECHNOLOGY
INNOVATION
AS
ENABLER
On-‐demand
Compu:ng
Pla]orm
Infrastructure
as
a
Service
Pla]orm
as
a
Service
High
Availability
11. ALL NEW LANDSCAPE OF COMPETITION
1.
Peer
Banks
2.
Telcos
3.
Technology
Companies
4.
Startups
12. Local
Bank
Conven:onal
Bank
Sharia
Bank
Foreign
Bank
Telkomsel
Indosat
XL
Smar]ren
Google
Facebook
Apple
Paypal
cekaja
mobil123
veritrans
jojonomic
aturduit
LANDSCAPE
OF
COMPETITION
rumah.com
PRE
DIGITAL
DIGITAL
Samsung
13. TAKEAWAYS
Enterprise-‐wide
commitment
is
mandatory
to
start
the
journey
Inevitable
transforma:on
includes:
Internal
–
execuAve
board,
operaAonal
model,
and
workforce
empowerment
External
–
customer
experience
and
informaAon
management
Leverage
the
technology
to
understand
customer
beZer
than
himself
CompeAAon
is
fierce,
embrace
partnerships
and
make
the
brand
stronger