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FUTURE OF BANKING

Michael Kramer, MD Germany November 2015

1

TWO WAYS TO HELL?

Evolution of

classical banking

Revolution as a digital attacker

2

TWO CULTURES TO MEET?

3

TWO EMOTOINS TO COMBINE?

Shopping

MUST DOs

Traveling

Buying a new car

Dating Listening to music

Buying

new shoes

Watching a movie Filing taxes

Saving for retirement

Tracking spending

Tracking

to dos

Paying the bills

WANNA DOs

NOT EXHAUSTIVE

4

TWO NEW BANKING APPS A DAY

5

ONE CUSTOMER FOCUS

6

SOLUTIONS, NOT PRODUCTS

YES 75%

Percentage of customers

expecting more digital services from their bank

Source: Global consumer banking survey

CORE

BANKING

Transactions

7

DAILY BANKING

8

NEW CUSTOMER TOUCHPOINTS

24/7 available

Data driven push advice

Social re-assurance

Multi-Banking-Channel

Mass Customization

PUSH PULL

9

THANK YOU.