SAP Banking at IDC Bangkok 2015_Final

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The 8th Continent Guruprasad Gaonkar / Financial Services Industry Leader / SAP South East Asia September 2015

Introducing The 8th Continent

©  2015 SAP SE or an SAP affiliate company. All rights reserved. ‹#›

The World Today Introducing The 8Th Continent

It took hundreds of thousands of years for the world’s population to grow to 1 billion, and in just another 200 years or so it grew sevenfold. Today the world’s population

stands at 7.2 Billion people

Good Life

Worry

Friends

Family

Love

Needs

Work

Wealth

Little less than 1% started migrating to a newly created continent

1995

Migration of The First Billion 2005

The migration of the Second Billion 2010

The Third Billion in 2014 2014

It is 3.2 Billion ( 21% YoY) Today


The 8th Continent

Some More Facts

2.1 Billion of them are busy connecting to each

other

Social Business Commerce Traded $3.2 Trillion worth

of goods and services with an average order value of $491,

on an average conversion rate of 10%

Commerce 1.3 Billion of them spent $1.47 Trillion on Shopping

with an average order value $147

©  2015 SAP SE or an SAP affiliate company. All rights reserved. 4

5 ©  2015 SAP SE or an SAP affiliate company. All rights reserved.

The 8th Continent The world’s largest taxi

company owns zero vehicles

UBER

The world’s most valuable retailer has zero

inventory

ALIBABA

The world’s most popular media owner creates

zero content

FACEBOOK

The world’s largest accommodation provider owns zero real estate

AIRBNB

Are we waiting for someone to

create The Worlds Largest Bank

with zero bank structures?

Market Insights Data Points


Market Value Is Shifting to The 8th Continent Digital Market Place

These digital based companies have attracted $1.2 trl (excluding Alibaba)

Amazon

Yahoo

Google

Face book

eBay

Samsung

Netflix

Alibaba

Soft- Bank

Companies defining the digital customer

experience

Baidu

Tencent

Apple

Traditional Bank Digital Level of digital adoption

Bank Ranking (Accenture Banking Digital Index）

These banks attracted $411 bln

$286 bln moved away from these

banks

ICBC

CCB

Unicredit Intesa Sanpaolo

Citi

MUFG

Banco do Brazil

BOC

BBVA

ABC

Santander

BoA

HSBC

CBA

WFC

TD

RBC

Scotia JPMC

Banks leading the transition to digital customer experience

ING

Maybank DBS

DNB

Nordea

ANZ

mBank

First Rand

Data source: Annual Reports, Analyst Reports, Accenture Analysis

Dec. 2007 Feb. 2013

Estimate

Legend ( size of the bubble represent the market capitalization )

Note: All the valuation is in billion of USD

NON EXHAUSTIVE

Growth in market capitalization

+

-


So, What Did We Understand?

If you replace

with Servers and Algorithms Buildings and Humans

you make Billions


Adjusting to New Business Models

Exacerbate ongoing pressures and change the ecosystem…

Drastically changing external forces…

Consumer

Technology

Regulatory

Economic

Competition

Pressure on Revenue

Pressure on Costs

Changing Ecosystem

Necessitating changes in the business model…

New Business Model

Distribution

Innovation

Architecture


Again, What Do We Learn?

Bank Structures were built in

for the physical distribution of Paper The Last Century

in a localized network (The Branch)

New Business Models Architecture, Distribution, Innovation Examples


Architecture & Planning for Digital

Video

Example


Distribution Contextual Deals

“Contextual Deals” based on predictive analytics delivers hit rate of

400% increase in credit products 200% increase in insurance products

250% increase in savings products

Branch Online Mobile

Digital first

Example


Innovation Payments, and Social Banking

Example

Video

Holistic Framework for Digital Technology Innovation


It Is All About Moving Customer Centricity Beyond Channels Into the Heart of the Bank, to be Best Positioned for Digital Market Place

Logical Operating

Model

Centricity Product Centric

Segment Centric

Customer Centric

Branch Centric

Car

ds

Mor

tgag

es

Cas

h m

anag

emen

t

Cor

pora

te L

endi

ng

Dep

osits

Some shared enterprise

Digital ecosystem Centric

Segment specific distribution

Marketing hub

Extensive shared enterprise functions

Multi-channel

Payments hub

Customer specific experience & offerings

Customer offer assembly (financial offering)

Customer feature manufacturing

Com

preh

ensi

ve v

iew

of c

usto

mer

Ana

lytic

s

Enterprise integration

Brand and marketing

Process & Service integration


Celent Has Holistic Framework for Digital in Financial Services

Digital is about…

Underpinned by…

And requiring a change in...

In order to deliver…

Source: Celent

Delivering a customized but consistent FI brand experience to customers across all channels and points of interaction

Analytics Automation

Products and Services

Organization and People IT

Demonstrable and sustainable economic value

©  2015 SAP SE or an SAP affiliate company. All rights reserved. 17


Deliver customized but consistent brand experience across all points of interaction

Analytics

Automation

Organization, People, IT

Product & Services

Digital requires holistic framework to……….

� Recognizing that customers engage with Banking Services in a broader ecosystem

� Optimising each channel individually � Delivering on the “Omnichannel Promise

Underpinned by………….

and requiring a change in..

………and…

Holistic Framework for Digital What this Means and Components

Online

What This Means? Components

Mobile Commerce …

�  Internal Analytics - Cross-sell/Up-Sell, Service Levels, Pricing… �  External Analytics – Social, Sentiment, Advisory... �  To optimise, in real-time for each customer

Marketing Sales Service

COE

Organizational Change Management

Customer 360

�  Process Automation - STP � Document Digitization and Management � Natural Best Friend – Siri,

PFM Customer Insights

Offer Engine Social

� Organizing for Digital Transformation (COE, etc.) � Need for Cultural Change (Business & IT) �  Skill and Enablement

Service Delivery Model

Technology Assembly

� Digital Wallets � Card-Lined Offers/Merchant Funded Rewards �  Bank account-based Payments �  Value Added Services; New Monetization Services

Wallet Core Banking

Cards and Rewards


Deliver customized but consistent brand experience across all points of interaction

Analytics Automation

Organization, People, IT

Product & Services

Banks require holistic framework to……….

Underpinned by………….

and requiring a change in..

………and…

SAP Financial Services Solutions for Digital Market Place End to End Architecture

� Mobile Banking � Mobile Commerce � Omni-Channel Banking � Context Driven real-time offers � Relationship based pricing

� Customer Information Hub � Customer Engagement & Management ( Sales,

Customer Service & Marketing) �  Predictive Analytics �  Enterprise Data Warehouse

� Next Gen Human Resource Management �  Supply Chain Efficiency ( Paperless Procurement) �  Finance & Risk Transformation

� Retail Core Banking

SAP Solutions SAP Customer Examples


Platform for the Digital Centric Ecosystem

World-class User Experience

Customer Centricity

Core Operations

Risk & Finance Management

Partner Collaboration

Industry Capabilities

People-to-People collaboration

Marketplace

Finance HR Procurement IT

Line-of-Business Solutions Partner | Independent Software Vendors | Startups

Business-to-Business collaboration

Create & Build Storage & Aggregate Orchestrate & Govern Analyze & Predict Go Mobile & Secure

Powered by SAP HANA

Social Network Text Data Structured Data

Public Cloud

Private Managed Cloud

On Premise

SAP HANA®

SAP HANA


Financial Services SAP Global Customer Base

19,000+ Financial Services Customers

120 Countries 180+ Core Banking

100M + Live Bank Accounts (+75M in implementation)

200+ Mobile and / or Internet Banking 45% of Capital Markets Front and Middles Offices 300+ Core Insurance 400M + Claims Handled 1,000+ Database 160+ Cloud More than 2, 700 SAP FSI customers in APJ

©  2015 SAP SE or an SAP affiliate company. All rights reserved.

Thank you Guruprasad Gaonkar Industry Director, Head of Financial Services Industry SAP South East Asia [email protected] Linkedin: http://sg.linkedin.com/in/ggaonkar Twitter: @iGuruGaonkar


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