09.00 09.40 sap - jans peter - sap bankacılık stratejisi transformasyon ve yalınlaştırma
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09.00 09.40 SAP - Jans Peter - SAP Bankacılık Stratejisi Transformasyon ve YalınlaştırmaTRANSCRIPT
SAP BANKING SUMMITA New Aproach
SAP Banking Strategy – Transform and SimplifyJens-Peter Jensen
Global Head of Banking Architecture & Technology Solutions
© 2012 SAP AG. All rights reserved. 3
Financial Services - Global Customer Base
17,000+
120
180+
100M +
200+
45%
300+
400M +
1,000+
160+
of capital markets front and middles offices
live bank accounts (+75M in implementation)
Mobile and / or Internet Banking
Financial Services Customers
Countries
Core Banking
Core insurance
Claims Handled
Database
Cloud
© 2012 SAP AG. All rights reserved. 4
The 4 Phases of EvolutionOur Journey to become the Industry Cloud Leader
GT
M
Strate
gy
Banking
So
lu
tio
n
Strate
gy
I. Standardization
Products
II. Verticalization
Business Processes
Industry Segments
Retail Banking
Commercial Banking
Capital Markets
Central Banks
Wealth Management
Other Financial Institutions (e.g. Development Banks)
Solutions
III. Localization
Market Requirements
Geographical
Expansion
Localized Solutions
IV. Simplification
Ease of Consumption
Market Penetration
Top 100
Top 1000
Top 10000
Focus
Phases
Cloud Solutions
Standard Functionality
Solutions People ResultsPurpose Innovations Ecosystem Join UsHome InnovationsImagine
© 2013 SAP AG. All rights reserved. 5Confidential
© 2012 SAP AG. All rights reserved. 6
Real-Time PlatformThe Opportunity – Best of Both Worlds
Real-Time Banking
Imagine EVERY service and information were
available before you have even asked for it
Customer Value
IT Simplification
Imagine every information is stored only ONCE
and available for ALL use cases
TCO reduction
Transact
Analyze
Event Event
SAP HANA Platform
10,000x Faster Process massive amounts of data, and
deliver information at unprecedented speeds
Vastly Simplified ITDeployable on-premise or in the cloud, SAP
HANA dramatically simplifies complex and
expensive
IT architectures
Simplify your technology stack with the SAP HANA platform
Applications Analytics
Insight to ActionContextual. Real-time. Closed-loop.
Simplify your user experience with a mobile-first experience
Mobile First Experience
SAP HANA Platform
Applications Analytics
© 2012 SAP AG. All rights reserved. 9
Let’s Build Better Banks
Technology plays a key role in driving the Transformation
• Changing from product driven to customer centric approach
• Overcome process boundaries resulting out of silo approach
• Layered componentized SOA architecture as key enabler
Paradigm: Industrialize at the back – differentiate at the front
Appli-cation
Appli-cation
Appli-cation
Appli-cation
Front End / Multi Channel
Process Orchestration
BusinessFunctionality
BusinessFunctionality
© 2012 SAP AG. All rights reserved. 10
SAP for Banking Platform Strategy
Technology Innovation Drives Business Innovation & Simplification
Retail
Banking
Commercial
Banking
Wealth
ManagementCentral Banks &
BuzDevBanks
OmniChannel
Sales andService
Operations
Risk and Compliance
Financec
Human Resoruces
Capital
Markets
Procurement
Information Technology
Technology and Platform
Leveraging Cross Industry Application Platform
Omnichannel Banking Platform
Core Banking Platform
Finance & Risk Platformbased on Real-Time Data Platform
Real-Time
Data
Platform
Leveraging Cross Industry Technology Platform
1. Omnichannel Platform
Mobile First
Customer intimacy
Analytics as integral part of
customer service
2. Core Banking Platform
Ready to use service
Cornerstone of real-time banking
For customer centricity same as for
compliance
3. Finance & Risk Platform
Consistent and comprehensive
Simplified and open
Easy to be adapted to new
compliance requirements
© 2012 SAP AG. All rights reserved. 11
What’s Top of Mind?Front Office
Customer
Front Office
Digital
Customer
TECHNOLOGY
Mobility,
Social, UX
New
Co
mp
e-
tito
rs
© 2012 SAP AG. All rights reserved. 12
Customer Centric Banking – Preparing for the Segment of OneOmnichannel, Sales and Service Platform
SERVICEMARKETING
SALES
Mobile
Powered by
SAP HANA
End-to-end,
Core Banking Processes
ANALYTICS
Online Branch
Channel
Contact
Center
CUSTOMER
Customer Insight
Loyalty
Flexible Product
Bundling & Pricing
Social CRM & Sentiment
Analysis Omnichannel
Real-Time Offer
Management
© 2012 SAP AG. All rights reserved. 13
National Bank of CanadaCutting Mortgage Adjudication Time by 70% with SAP® CRM
CMP27028 (13/08)
Company
National Bank of Canada
Headquarters
Montreal, Quebec
Industry
Banking
Products and Services
Commercial and retail banking and financial
services
Employees
20,000
Revenue
CAD 5.3 billion
(USD 5.06 billion)
Web Site
www.nbc.ca
Partners
Accenture, SAP Services
The company’s top objectives
Create the ultimate customer experience in terms of simplicity and value delivered
Improve advisor efficiency by standardizing, simplifying, and automating mortgage process
activities
Fulfill initial customer needs and then cross-sell and up-sell additional products
The resolution
Built a customer experience matrix covering 20 business scenarios for evaluating applications
Selected and implemented the SAP® Customer Relationship Management (SAP CRM) application
Changed business processes to match SAP software best practices
The key benefits
Freed advisors to spend more time understanding customer needs
Enhanced customer satisfaction
Increased customer retention and revenues
“With SAP CRM we demystified our siloed areas and integrated our
processes through all our channels and lines of business. It gave us a
foundation for growing the business .”
Paolo Pizzuto, Senior Vice President of Business Process Reengineering,
National Bank of Canada
-70%Time to approve a customer’s loan
request
-50%Mortgage origination costs
>4Additional products typically up-
sold to mortgage buyers
Customer
© 2012 SAP AG. All rights reserved. 14
SAP Infinite Insight powered by SAP HANA
Potential increase in take up rate of offers and
campaigns (SAP Infinite Insight, Bank of Austria)
400%
Increasing 7xresponse rate vs.
control group
Lloyds Bank cuts
modeling time from days
and weeks to hours
Response rate in first campaigns up 160% and a 35% increase in sales
© 2012 SAP AG. All rights reserved. 15
What’s Top of Mind?Middle Office
Core Operations
Middle Office
Time to
market
TECHNOLOGY
Cloud
© 2012 SAP AG. All rights reserved. 16
Industrialization = Standardization + Agility
Deposits
Loans
Leasing
Payments
Funding
…
© 2012 SAP AG. All rights reserved. 17
Deutsche Bank: Retail Banking Platform for multiple BrandsStandardize operations, differentiate towards the customer
25%Lower unit costs per
transaction
63%Reduction in legacy
product portfolio
60%Fewer interfaces to maintain
30%Faster time to market for
new products
360°real-time customer view
across all channels
© 2012 SAP AG. All rights reserved. 18
CBA gained “sustainable competitive advantage”
Source: CBA annual reports, analyst and approved project presentations; 2012 Operational Income AU$ 20B (~€14B)
Retail Banking Services
before
50%
23
48
75%
2
1
Data Centers
Customer Impacting
Incidents/year
IT spend on
Innovation
after
610 18Products
∆ Time-to-Market -75%
Roadmap Internal Metrics
External Metrics
© 2012 SAP AG. All rights reserved. 20
TECHNOLOGY
What’s Top of Mind?Back Office
Finance and Risk
Back Office
Regulated
Transparency
Big Data
RO
I,
CA
PE
X
O
PE
X
© 2012 SAP AG. All rights reserved. 21
SAP is transforming the Office of the CFO and CRO
© 2012 SAP AG. All rights reserved. 22
Office of the CFO / Customer Examples
Accounting for Financial Instruments
Reporting & DisclosureConsolidationGeneral Ledger
Legal entity level solutions
(detailed granularity)
Group level solutions
(aggregated granularity)
Market leading in Banking
Unrivalled single and parallel processing
Faster legal compliance
Last miles of financial / legal / regulatory reporting
XBRL-based statements(e.g. new EBA FINREP)
Support disclosure process
Parallel ledger architecture
Flexible & reconciled multi- dimensional Accounting
Integration to other non-banking subledgers
Accounting Subledger on contract/position level
Multi-GAAP architecture
General Ledger Integration
© 2012 SAP AG. All rights reserved. 23
Real-time decision making for Credit Risk on HANA
Product: Risk Datamarts built on HANA
Business Challenges Reporting too slow
No mobile capabilities
No ad hoc interactive analysis up to transaction level
Limited intra-day stress testing capabilities
Slow time to development
System landscape too complex
Technical Challenges
High data volume
Too long loading time of aggregates and reports
Benefits
Meet business user benefits
Support “Principles for effective risk data aggregation and risk reporting”
Simplify system landscape
Real-time ad hoc analysis mobile enabled
Data Access >480 Mio records
Stress Testing
and risk
aggregationon demand
3 WeeksPoC implementation
© 2012 SAP AG. All rights reserved. 24
What’s Top of Mind?Bringing it all together
Finance and Risk
Back Office
Regulated
Transparency
Big Data
RO
I,
CA
PE
X
O
PE
X
Core Operations
Middle Office
Time to
market
TECHNOLOGY
Cloud
Customer
Front Office
Digital
Customer
Mobility,
Social, UX
New
Co
mp
e-
tito
rs
© 2012 SAP AG. All rights reserved. 25
SAP is seen as a leader by key Analysts
Core Banking Platform
Source: 2013 Forrester Research
Finance & Risk Platform
Source: 2013 Chartis
Digital Banking Platform
Source: 2013 Gartner
© 2012 SAP AG. All rights reserved. 26
Simplification of Consumption – Banking in the Cloud
© 2012 SAP AG. All rights reserved. 27
Key Takeaways
Adapt or be obsolete!
Banking is undergoing a massive & rapid transformation – that is
technology led & enabled – SAP has the scale and scope to partner globally
and effectively with major Financial Institutions
Think BIG, start small, scale fast!
No competitor is matching our scale of investment in innovation and
commitment in bringing new solutions to the market
Overcome the resistance to change!
Jointly with our partner ecosystem and our customers we will build better
banks for the future
1
2
3
Thank You!
Jens-Peter JensenGlobal Head of Banking Architecture & Technology Solutions
SAP AGDietmar-Hopp-Allee 16D – 69190 [email protected]