CSC Proprietary and Confidential 1April 10, 2014

The Relationship between Financial Institutes and CustomersIs Changing.

yesterday – today - tomorrow

CSC Proprietary and Confidential 2April 10, 2014

Next Gen Companies Are Offering Banking Services

Credit Platformfounded 2013Employees 109

2 Mrd €

Direct Bankfounded 2003Employees 59

-1.9 M€

Credit Platformfounded 2005Employees 52

ca 400 M€

CSC Proprietary and Confidential 3April 10, 2014

Financial Institutes Must React

If you decide to compete, how?

Avoid?

Compete?

Ignore?

CSC Proprietary and Confidential 4April 10, 2014

Next Gen Banking Products are derived from realeconomy businesses.Next Gen Banking Products are derived from realeconomy businesses.

HousingHousing

MortgageLoan

MortgageLoan

Privat PurchaseOf Used ArticlesPrivat PurchaseOf Used Articles

P2P Paymantvia Handy

P2P Paymantvia Handy

POS PurchaseWashing Machine

POS PurchaseWashing Machine

DeferredPayment

Credit

DeferredPayment

Credit

Real Economy BusinesReal Economy Busines

Stock PurchaseStock Purchase

Credit Securedby Securities

Credit Securedby Securities

Car PurchaseCar Purchase

FinancingVia House Bank

FinancingVia House Bank

Overdraft of private accountOverdraft of private account

OverdraftAgreementOverdraft

Agreement

InvestitionInvestition

Crowd FundingCrowd Funding

Complementary Banking ProductComplementary Banking Product

What does a bankneed to offer these

products?

Privat Purchasevia Internet

Privat Purchasevia Internet

Paymentvia PayPalPayment

via PayPal

Competency 1: Creative ThinkingHow can you create financial products which integrate intoreal world business?

CSC Proprietary and Confidential 5April 10, 2014

Competency 2: Managing ComplexityEnabling varying collaborations within and outside yourcompany.

Service provider

Customer

Agent

Bank

CSC Proprietary and Confidential 6April 10, 2014

ConvergedIT

Analytics

CloudPlatforms

Social

Mobile andMachine

Apps Mod

Cyber

As-a-Service

TechnologyTrends

AgileDevelopment

Five Essential Technology Areafor Success in Digital Business

Mobility &Machine

Big & FastAnalytics

CloudPlatforms

NextGenApplications

CyberProtected

Competency 3: Understanding how new technologydisruptions are fueling the shift in digital business

CSC Proprietary and Confidential 7April 10, 2014

Competency 4: Speed

© Strategic Speed, Harvard Business Press 2010

CSC Proprietary and Confidential 8April 10, 2014

Fixpoints in this agile process are the Digital BusinessStrategy and the platform (design) for digital business.

Mobility &Machine

Big & FastAnalytics

CloudPlatforms

NextGenApplications

CyberProtected

Five Essential Technology Areafor Success in Digital Business

Five Essential Technology Areasfor Success in Digital Business

Overall Blueprint &Implementation Roadmap

Used to create

Manage theTransformation

A Bridge from 1st & 2nd Generation IT into the3rd Generation

3rd Generation Business-ITGovernance Model

Recognizing the Shift of IT’s Rolein the Business

Digital Business Strategy

CSC Proprietary and Confidential 9April 10, 2014

Each element of the program has to be aligned to the commonblueprint.

CSCIndustry

ApplicationsConnectedCar

Sales Accelerator

Car Configurator

ConsumerConnecte

d Apps

CSC’s Blueprint for the Service-Enabled Enterprise to Enable Digital Business

CSC Proprietary and Confidential 10April 10, 2014

FuturEdgeSMFuturEdgeSM

FuturEdge is CSC's brand of services that take our clientsto the digital economy. FuturEdge spans CSC’s portfolio ofservices to take our clients to the service-enabledenterprise.

FuturEdge Accelerators is a portfolio of offerings that spanssix key disciplines and is designed to be the starting pointto facilitate a client’s journey to the service-enabledenterprise.

What is FuturEdge?Providing the tools for the Service-Enabled Enterprise

FuturEdgeAcceleratorsFuturEdge

Accelerators

CSC Proprietary and Confidential 11April 10, 2014

Service-Enabled Enterprise

Executing the Journey to the Service-Enabled Enterprise

Strategy &Strategy &ArchitectureArchitectureStrategy &Strategy &

ArchitectureArchitectureOperational Planning &Operational Planning &

RoadmapRoadmapOperational Planning &Operational Planning &

RoadmapRoadmapDelivery &Delivery &

TransformationTransformationDelivery &Delivery &

TransformationTransformationManagement / ContinuousManagement / Continuous

ImprovementImprovementManagement / ContinuousManagement / Continuous

ImprovementImprovementSourcing & ExecutionSourcing & Execution

StrategyStrategySourcing & ExecutionSourcing & Execution

StrategyStrategy

Cloudified EnterpriseSolution

Implementation

SaaSImplementation

FuturEdge forModernization:Rationalization,

Migration,Re-engineering, &

DevelopmentServices

FuturEdge:Management & Broker

Services(a.k.a., AMaaS)

Big Data &Analytics

ConsultingServices

CybersecurityConsulting

Services

CybersecurityaaS Offerings

Big Data &Analytics

aaS Offerings

GIS aaSOfferings

Cloud aaSOfferings

Value Lever Offerings drivelarger transformation and

long-term managed servicesopportunities!

Current IT Landscape• Asset-ownership• Custom solutions & services• Labor-intensive• High costs of Run & Maintain• Long-term, fixed EA contracts

Digital BusinessStrategy &

GovernanceAccelerator

ApplicationTransformation

Accelerator

InfrastructureTransformation

Accelerator

Big Data & AnalyticsTransformation

Accelerator

MobilityTransformation

Accelerator

CybersecurityAssurance

Accelerator

CSC Proprietary and Confidential 12April 10, 2014

Service-Enabled Enterprise

Better concentrate on a few aspects!

Strategy &Strategy &ArchitectureArchitectureStrategy &Strategy &

ArchitectureArchitectureOperational Planning &Operational Planning &

RoadmapRoadmapOperational Planning &Operational Planning &

RoadmapRoadmapDelivery &Delivery &

TransformationTransformationDelivery &Delivery &

TransformationTransformationManagement / ContinuousManagement / Continuous

ImprovementImprovementManagement / ContinuousManagement / Continuous

ImprovementImprovementSourcing & ExecutionSourcing & Execution

StrategyStrategySourcing & ExecutionSourcing & Execution

StrategyStrategy

SaaSImplementation

FuturEdge forModernization:Rationalization,

Migration,Re-engineering, &

DevelopmentServices

FuturEdge:Management & Broker

Services(a.k.a., AMaaS)

Big Data &Analytics

ConsultingServices

Big Data &Analytics

aaS Offerings

Cloud aaSOfferings

Value Lever Offerings drivelarger transformation and

long-term managed servicesopportunities!

Current IT Landscape• Asset-ownership• Custom solutions & services• Labor-intensive• High costs of Run & Maintain• Long-term, fixed EA contracts

Digital BusinessStrategy &

GovernanceAccelerator

ApplicationTransformation

Accelerator

Big Data & AnalyticsTransformation

Accelerator

MobilityTransformation

Accelerator

CSC Proprietary and Confidential

Thank you for your attention

Questions welcome

CSC Proprietary and Confidential 14April 10, 2014