Bolero - From digital laggard to frontrunner

Bolero - From digital laggard

to frontrunner

Who are we?Who are we?

Exceeding targets

Average number of new clients/day

Q4 2013 Q1 2016

5 - 10

50 - 60

x10

Total number of clients

Q4 2013

100(index)

Q1 2016

300

x3

% of active clients remained the same

Number of transactions

x1,9

201220132014

2015

Increased brand awareness

Top of mind

x2

Aided

x1,8

8.791

7.661

4.838

4.282

1.274

1.143

662

8.959

Twitter followers (Belgium)

34,43

5,96

2,3

0,94

0,93

0,74

0,43

161,26

(Belgium) Ratio Twitter followers /Employees

Digital Transformation?

(…) paradoxically perhaps (…) return to the fundamentals of supply, demand, and market dynamics to clarify the sources of digital disruption and the conditions in which it occurs”McKinsey quarterly, March 2016


Digital

Disruptors CLASSICAL STRATEGIC APPROACH

Mobile

FintechBlockchain


But ‘digital’ has created a whole new world


Choose profitable growth!

Get a top team with a clear mission and a fanatical drive

An entrepreneurial and innovation culture is key

A lion never loses sleep over the opinions of sheep.”

“

quote_paneel_595x600_lion_20150325.indd 1 10/04/15 15:07

The problem is not the problem. The problem is your attitude about the problem.Do you understand?”- Captain Jack Sparrow

“

quote_paneel_595x600_jacksparrow_20150401.indd 1 10/04/15 15:08

Entrepreneur :Someone who jumps off a cliff and builds the plane on the way down.”

“

quote_paneel_595x600_diver_20150325.indd 1 10/04/15 15:08

You don’t learn to ski by staying on the piste.You grow as an individual when testing your boundaries and venturing into unknown territories beyond your comfort zone.”

“

quote_paneel_750x520_sneeuw_20150318.indd 1 10/04/15 15:02

New governance and roles at Bolero & KBC Securities level

Conversation Manager

Innovation Team Fintech Screening Community

Crowdfunding team

Start-up Private Equity Fund

New governance and roles at KBC level

Digital Business Unit

Extensive fintech screening team

Incubator Technology Labs

in 2012C

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laptop_nieuw.pdf 1 12/07/13 16:22

Houston we have a problem

Website not anymore state of the art and lagging behind

No mobile applications

3. 4.1.Operating at a loss

Most expensive in themarket: acting as ablocking factor? Onlyplayer still chargingcustody fee…

Limited structuralcooperation with thenetwork

Product offer limited and lagging well behind the market

Small (but very motivated) team however governancewith the bank not yet clear

Brand quite unknown

5. 7.

2.

6. 8.

Source: Strategic analysis Bolero 2012

KBC securities research and

analysts (Koen De Leus, Tom Simonts, etc.), and dealingroom expertise

Unique access to:

a large part of the banking population via KBC and CBC

listed Belgian companies viaKBC securities WE NEEDED TO INVEST

AND ADDRESS OURWEAKNESSES.

TO CONTINUE AS WEWERE DOING WASNOT AN OPTION…product

factories like KBC Asset Management

3.

2.

4.

Do we still have a chance?

1.


† We are brokers

† That’s our DNA

† Very hard to copy

Going forward

3.1.PRICING

ONLINE POSITIONING MARKETING

COOPERATIONEVERYTHING BETTER

4.

2.

5.


Price at par

Content the broadest

Platform Europe’s best

Service the finest

Strategy is about making choices

WE CHOOSE TO BE INNOVATION LEADER

2.

Three colleagues from Bolero and equiTas conducTed a comprehensive field trip in The us

Get into the mud ...

together from the startand

Multi touchpointcommunication

Strategic partner

State-of-the-art platform developers

Integration brings coherence & speed

Design, design, design

Why Kunstmaan?

Your brand is a crucial part of the transformation

Your brand is a crucial part of the transformation

† Build upon your growth vision and strengths

† Create your ownable position aligned with your DNA

† Build your brand identity to claim this position

Our brand reflects our USP’s

1. Expertise that can be trusted

2. Stock exchange updates

3. Guidance by top analysts

4. The world in your hand

5. A powerful platform, excellent service

6. Sharp prices and many advantages

Logo then: 1 version Logo now: 2 options

Strong brand identity starting with a logo update

+

De kleuren: print

Kleur-gradiënt voor grote titels — zeer matig te gebruiken

April 2014

Gradiënt

Lineaire gradiënt

100% KBC-lichtblauw

100% Paars 01

Een onderneming van de KBC-groep

Babyblauw, secundaire kleur C: 50% M: 100% Y: 0% K: 0%Oceaanblauw, secundaire kleur C: 100% M: 60% Y: 15% K: 0%Bijna-zwart, secundaire kleur C: 100% M: 55% Y: 0% K: 75%Paars 03, secundaire kleur C: 100% M: 100% Y: 20% K: 15%Paars 02, secundaire kleur C: 75% M: 100% Y: 0% K: 0%

Paars 01, primaire kleur C: 50% M: 100% Y: 0% K: 0%

KBC-lichtblauw, primaire kleur C: 100% M: 0% Y: 0% K: 0%

KBC-donkerblauw, primaire kleur, eveneens de kleur van het logo C: 100% M: 55% Y: 0% K: 55%

1 heldere accentkleur voor CTA’s C: 0% M: 75% Y: 95% K: 0%

Grijs C: 50% M: 40% Y: 30% K: 0%

Strong brand identity with an extended color range

Strong brand identity supported by our iconic ‘B’

Strong brand identity across all touchpoints

Infopack Welcome Pack Order deskPlatform

EventsVIP ClientsWebinar/AcademyINDXmagazine

Trips for investors

Een reisarrangement van

Programma

Voorjaar 2016


Programma

Najaar 2015


Programma

Najaar 2015

Campaign

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Voor elke belegger

MachtigMakkelijk

Fully embrace new technologiesWith today’s speed of technological

innovation you cannot choose to be a follower. You will end up outdated before

you know it.”

Fully embrace new technologies

† You cannot afford not being aware

† Build your ecosystem

† Jump and try things out

† Scan and screen continuously what is going on in the outside world

† Make choices aligned with your strategy

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Then Now

Implementing a top-notch fully responsive platform

† Streaming quotes of millions of financial products

† Unprecedented scalability and performance

† Live updates of graphics on every device

† Responsive on every device

† Multi-layered architecture for unlimited scaling-up

† Web services layer with access to the data of a large number of external providers & to the KBC Securities mainfame

† Full security in terms of identification and online payment

† Separate layer ready for new mobile applications

The power of the middle layer

Allows to have the front end independently developed by inside and outside partners

Aiming for technological leadership...

Worldwide EFMA Accenture

Award Winner

1st worldwide bank/broker with a crowdfunding platform

1st European bank/broker with blockchain app

1st European bank/broker with

Apple watch

... and exploring new creative paths

Een andere kijk...30/11/2016 - Museum M, Leuven

OP ZOEK NAAR UTOPIA 20.10.2016 >< 17.01.2017

Virtual reality

Robot process automation

Museum M

Artists

Design is keyToday there is no successful implementation of technological innovation possible without delightful user experience. And a delightful user experience requires strong design thinking.”

Design thinking drives innovation (...) Design has a voice in nearly every important decision that the company makes (...) Design rethinks the entire customer experience.” Indra Nooyi, CEO PepsiCo & Mauro Porcini, Chief Design Officer PepsiCo, HBR Sept 2015

Design is key

Sharp design

† Imputes the quality and values of the brand

† Makes the user experience fast, easy and delightful

† Transforms and optimizes all business processes

Design is a plan for arranging elements in such a way as best to accomplish a particular purpose.”Charles Eames, Architect, Graphic and Industrial Designer, Filmmaker

Who ever said that pleasure wasn’t functional?Charles Eames, Architect, Graphic and Industrial Designer, Filmmaker

Built on in-depth expertise

Our own expertise

Study of best in class

examples

Surveys

User focus groups

Expertise from

traders in the dealing

room

Simplicity, app-look & feel

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Close

Financial

KBC (KBC)ISIN: BE0003565737

EURONEXT BRUSSELS

Buy / Sell Full details

LAST(01/10/14 - 10:23)

CHANGE(-0,72%)

BID ASK

42,17 -0,305

42,155 42,18

LOW

42,09HIGH

42,585

OPEN CLOSE

42,25 42,475

CURRENCY VOLUME

EUR 94.905

Add to watchlist

Analysis & Insights

Show tips

Summary News & calendar Outlook & analysts Accounting data Depth of the market

Price chart

09:15 09:30 09:45 10:00 10:15 10:30 10:45

42,60 EUR

42,50 EUR

42,40 EUR

42,30 EUR

42,20 EUR

42,10 EUR

42,32 EUR

Price/ Earnings

12

12,22

Price/Book

1

1,12BELOWBOOK

VALUE

ABOVEBOOKVALUE

Analysts recommandations

8 4 7 3 0

Buy Outperform Hold

Underperform Sell

NUMBER OF ANALYSTS

CONSENSUS TARGET PRICE

22

33,50 EUR

47,42 EUR

LOW

AVERAGE

2.947

Search

Native apps

Apple watch iOs phone & tablet Android phone & tablet

Coming soon

Have people talking with people

People love people, not algorithms

Steven van Belleghem, When digital becomes human,

2014

Meeting our clients

A good old magazine about people

Going on holiday together

Tutorials & webinars

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Events

Hand in hand with our branch colleagues

Happy to be part of KBC

Digital transformation?

Choose profitable growth!

Design is key

Have people talking with people

Get a top team with a clear mission and a fanatical drive

Fully embrace new technologies

Your brand is a crucial part of the trans-formation

Follow Bart on Twitter@VanhaerenBart

Contact [email protected]

Follow Kunstmaan on Twitter@kunstmaan

Contact [email protected]

EFMA Accenture Award Winner

Best online Broker 2015

1st worldwide bank with crowdfunding

platform

1st European bank with blockchain app

1st European bank with dedicated Apple

watch app

Effie winner 2015

Bolero - From digital laggard to frontrunner

Internet

Transcript of Bolero - From digital laggard to frontrunner