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SCL_BankingInnovation_[EN]_20151226_v9

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Richard Zbinden

The document identifies 7 areas of disruption in banking: 1) SIM cards that function as bank accounts, 2) wealth management through family offices enabled by robot advisors, 3) Bitcoin becoming an accepted currency through banking APIs, 4) hybrid national cryptocurrencies issued alongside national currencies, 5) customers building their own banks through APIs, 6) privacy becoming more important than secrecy for private banks, 7) fully automated and error-free banking processes. The document discusses how these changes may impact the new customer journey in banking.

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SCL_BankingInnovation_[EN]_20151226 ºÝºÝߣshare and Linkedin Switzerland, 26 December 2015 Seven areas of disruption in banking The new customer journey in banking
SCL_BankingInnovation_[EN]_20151226 Are they disrupting the banking business? 4 January 2016The new customer journey2 They might bring me wealth too as banking provider … ILLUSTRATIVE
SCL_BankingInnovation_[EN]_20151226 Context for new customer journey in banking 4 January 2016The new customer journey3 Banks Telecoms Retailers Outsourcing provider Search-engines Distribution networks Social networks FinTech limitations/jobs not done well today How is wealth created? threats/urgency/technology (blockchain and IoT) ILLUSTRATIVE
SCL_BankingInnovation_[EN]_20151226 We identified 7 areas of disruption in banking 4 January 2016The new customer journey4 SIM card is your account Family Office 4.0 (wealth management) Bitcoin will stay and be an accepted currency Hybrid national crypto currencies Customer builds his own bank Privacy instead of banking secrecy 100% Straight Through Processing
SCL_BankingInnovation_[EN]_20151226 • Opening of a bank account will be as easy a buying s SIM card • Together with the SIM card you will get access to the internet and your private cloud storage • No additional contracts for telecom or credit card providers will be required 1. SIM card is your account 4 January 2016The new customer journey5
SCL_BankingInnovation_[EN]_20151226 • Family Office provider will enable new client segments to create and manage their wealth • Robot advisors will help to ensure to the overall custody and the execution of governance and compliance rules • Insurance and pension plans will be monitored and adapted to your peronal wealth creation • Patient dossier will become part of wealth management 2. Family Office 4.0 (wealth management) 4 January 2016The new customer journey6
SCL_BankingInnovation_[EN]_20151226 • Banking API will make Bitcoin mass market enabled • KYC and EMBARGO database suppliers will protect the Bitcoin ecosystem from fraud and money laundering 3. Bitcoin will stay and be an accepted currency 4 January 2016The new customer journey7
SCL_BankingInnovation_[EN]_20151226 • National cryptocurrencies will be issued in parallel to national currencies 4. Hybrid national crypto currencies 4 January 2016The new customer journey8
SCL_BankingInnovation_[EN]_20151226 • API (application programming interfaces) will enable the individual or corporate to create his ohn banking services 5. Customer builds his own bank 4 January 2016The new customer journey9
SCL_BankingInnovation_[EN]_20151226 • Private Banks will find a new role and protect the privacy and the digital wealth of their clients • Private Banks cannot grow the wealth of client but must be an example of preservation and good citizenship 6. Privacy instead of banking secrecy 4 January 2016The new customer journey10
SCL_BankingInnovation_[EN]_20151226 • Due to new technologies banking will be fully automated and error free • 8 modular processes will settle all financial products and contracts 7. 100% Straight Through Processing 4 January 2016The new customer journey11
SCL_BankingInnovation_[EN]_20151226 Richard F. Zbinden Software for Corporate Leaders LLC Grienbachstrasse 38 CH-6300 Zug / Switzerland phone +41 (0)41 761 9790, fax +41 (0)41 761 9794 email: rzbinden@complex-issues.ch Where to get more information on this? 4 January 2016The new customer journey12

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SCL_BankingInnovation_[EN]_20151226_v9

  • 1. SCL_BankingInnovation_[EN]_20151226 ºÝºÝߣshare and Linkedin Switzerland, 26 December 2015 Seven areas of disruption in banking The new customer journey in banking
  • 2. SCL_BankingInnovation_[EN]_20151226 Are they disrupting the banking business? 4 January 2016The new customer journey2 They might bring me wealth too as banking provider … ILLUSTRATIVE
  • 3. SCL_BankingInnovation_[EN]_20151226 Context for new customer journey in banking 4 January 2016The new customer journey3 Banks Telecoms Retailers Outsourcing provider Search-engines Distribution networks Social networks FinTech limitations/jobs not done well today How is wealth created? threats/urgency/technology (blockchain and IoT) ILLUSTRATIVE
  • 4. SCL_BankingInnovation_[EN]_20151226 We identified 7 areas of disruption in banking 4 January 2016The new customer journey4 SIM card is your account Family Office 4.0 (wealth management) Bitcoin will stay and be an accepted currency Hybrid national crypto currencies Customer builds his own bank Privacy instead of banking secrecy 100% Straight Through Processing
  • 5. SCL_BankingInnovation_[EN]_20151226 • Opening of a bank account will be as easy a buying s SIM card • Together with the SIM card you will get access to the internet and your private cloud storage • No additional contracts for telecom or credit card providers will be required 1. SIM card is your account 4 January 2016The new customer journey5
  • 6. SCL_BankingInnovation_[EN]_20151226 • Family Office provider will enable new client segments to create and manage their wealth • Robot advisors will help to ensure to the overall custody and the execution of governance and compliance rules • Insurance and pension plans will be monitored and adapted to your peronal wealth creation • Patient dossier will become part of wealth management 2. Family Office 4.0 (wealth management) 4 January 2016The new customer journey6
  • 7. SCL_BankingInnovation_[EN]_20151226 • Banking API will make Bitcoin mass market enabled • KYC and EMBARGO database suppliers will protect the Bitcoin ecosystem from fraud and money laundering 3. Bitcoin will stay and be an accepted currency 4 January 2016The new customer journey7
  • 8. SCL_BankingInnovation_[EN]_20151226 • National cryptocurrencies will be issued in parallel to national currencies 4. Hybrid national crypto currencies 4 January 2016The new customer journey8
  • 9. SCL_BankingInnovation_[EN]_20151226 • API (application programming interfaces) will enable the individual or corporate to create his ohn banking services 5. Customer builds his own bank 4 January 2016The new customer journey9
  • 10. SCL_BankingInnovation_[EN]_20151226 • Private Banks will find a new role and protect the privacy and the digital wealth of their clients • Private Banks cannot grow the wealth of client but must be an example of preservation and good citizenship 6. Privacy instead of banking secrecy 4 January 2016The new customer journey10
  • 11. SCL_BankingInnovation_[EN]_20151226 • Due to new technologies banking will be fully automated and error free • 8 modular processes will settle all financial products and contracts 7. 100% Straight Through Processing 4 January 2016The new customer journey11
  • 12. SCL_BankingInnovation_[EN]_20151226 Richard F. Zbinden Software for Corporate Leaders LLC Grienbachstrasse 38 CH-6300 Zug / Switzerland phone +41 (0)41 761 9790, fax +41 (0)41 761 9794 email: rzbinden@complex-issues.ch Where to get more information on this? 4 January 2016The new customer journey12

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