crown perth - pexa · 3 10:05am the world of banking today 30 mins sean langton, bank west 10:35am...
TRANSCRIPT
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Crown Perth
8 March 2018
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Chief Customer Officer, PEXA
Your MC for the day
Lisa Dowie
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3
10:05am The world of banking today 30 mins Sean Langton, Bank West
10:35am Future of property 25 mins Ronak Bhimjiani, REIWA
11:00am Morning tea 20 mins
11:20am PEXA Update 15 mins Angella Chick, PEXA
11:35am Landgate Update 15 mins Brook Durling, Landgate
11:50am Cyber Security 30 mins Andrew Cann, Office of WA Government
12:20am Lunch 40 mins
1:00pm Plenary Sessions 85 mins
PEXA Platform
PEXA Projects
Practitioner Panel Session
Law Society – JFGC Update
2:25pm Bank Panel Session 45 mins Hosted by Marielle Yeoh, PEXA
3:10pm Close – Drinks & Canapes
TODAYS AGENDA
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Group Executive, Customer & Revenue, PEXA
Welcome
Mike Cameron
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WINAn evening with
Hillary Rodham Clinton
Melbourne - 10 May 2018 7:30PM
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Chief Technology Officer, Bankwest
The world of banking today
Sean Langton
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The Digital Revolution in Financial Services
Sean LangtonChief Technology Officer, Technology & Transformation, Bankwest
seanflangton
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Artificial Intelligence
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Driverless cars
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Augmented Reality
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Virtual Reality
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Drones
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Brainwaves
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Biological Computing
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Every Industry faces disruption
Time
Te
chno
logi
cal I
nnov
atio
n
Eco
nom
ic Grow
th
The rate of disruption
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Capture Deliver
Digital Business Models
Arrange NEEDVALUE
© Digital Infusions 2017
Mode 2: Disruptive thinking
Mode 1: Efficiency thinking
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Artificial Intelligence accurately
predicts your propensity
And advises financial
position, credit scores
and costs
Real Estate Apps feeds data from
AI API’s and recommends houses
and suburbs
Provides a Virtual Reality
experience to filter prior to
home visits
Lending is pre-approved on
range of platforms: Bank, Peer
to Peer, Crowdfund, Shared
ownership
Robotic Process Automation
takes care of data entry tasks
Buyer
negotiates
settlement date
in an App
Smart Contracts on a
Blockchain assure all
conditions prior to
settlement
Drones inspect
Building condition
report and valuation
confirmation
AI assesses Fraud
Risks
Furniture moved by driverless
trucks
“Just Walk In” Home Buying Experience
ThinkingFinding a
HouseBorrowing
MoneyPaying Moving In
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So, what about us?
How is industry responding
to these challenges??
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$7.2TValue of Australian
property market
~1M Property transactions
per year
~12,000Conveyancing Practitioners
Australia-wide
~156Financial Institutions
Australia-wide
8 Land Registries & Revenue Offices
© Property Exchange Australia Limited (PEXA) 2017.
The Australian property market at a glance
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Industry collaboration has transformed origination…
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Payments…
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“the bank got the mortgage doc wrong”
1 in 3 found the process stressful
1 in 5 experienced a delay in settlement
Found
settlement
difficult
The median delay was 7 days with (on
average) 3 people
being affected by those delays
And property settlement
17%
“bank cheque wrong by 50c – missed settlement”
PEXA PWC Digital Property Report 2015: Consumers suffer stress & delays in current settlement arrangements
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Live in VIC, NSW, WA, QLD & SA
140+ Financial Institutions joined network
5,580+ Practitioner firms are active Australia-wide
Over 887,000 transactions completed
Over $105 billion worth of property valued settled
Top five ranking in Deloitte’s ‘Tech Fast’ 500 Asia Pacific companies’ list
© Property Exchange Australia Limited (PEXA) 2017.
PEXA has experienced remarkable adoption
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So, what about us?
How is Bankwest transforming??
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Bankwest Customer behaviour defines our agenda
StoreMonthly decreasing
InternetMonthly decreasing
MobileDaily increasing
WearablesSeveral times a day increasing
InterconnectedAlways on increasing
Nu
mb
er o
f in
tera
ctio
ns
Reven
ue p
er interactio
n
Experience EconomyProduct Economy
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You’ve got to start with the customer experience and
work back toward the technology - not the other
way around.
- Steve Jobs -
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What customers want and expect…Digital, Frictionless & Enabling
Always Available, Anywhere
Personalised
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Technology▪ Cloud Platform, API Enabled Open Technology▪ Robotic Process Automation▪ Artificial Intelligence▪ Wearables
requires a transformation…
“Blaze” Operating Model▪ Customer Centric▪ Agile Ways of Working▪ Cross-Functional Teams
Culture▪ Learning Culture▪ Inclusive, Open, Valuing Diversity▪ Autonomy, Mastery & Purpose
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Analytics Chapter
Products Chapter
Engineering Chapter
Design Chapter
Cloud Native Digital Platform
TRIBEMulti Disciplinary Team
Rapid Feature Delivery
End to End CX Ownership
Persistent Funding
Process & System Owners
Innovative Culture
Technology Platform
Self Service via APIs
TRIBE TRIBE
Self Service via APIs Self Service via APIs
Technology Platform Technology Platform
…in how we work
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[email protected] Dynamic application
status
[email protected] 577 509
James McAdoo
Progress Bar
Applicant details
Home Buying Tracker
Loan details
Security details
Customer feedback driving innovative solutions
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• VUCA - Avoid ‘yesterday’s logic’
• 4th Industrial Revolution: just beginning
• Industry Collaboration delivers growth
• Customer Centricity
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Ronak Bhimjiani, Manager, Economics & Research, Real Estate Institute WA
Future of property
Ronak Bhimjiani
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Property market conditions
and outlookRonak Bhimjiani, Manager, Economics & Research, REIWA
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Established market
conditions
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Median price and sales
Source: REIWA/Landgate (December 2017)
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Where the action is occurring
Source: REIWA/Landgate (December 2017)
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Top suburbs by growth
Houses Units
Suburb Growth Suburb Growth
Coolbinia 36.3% North Coogee 41.9%
North Beach 26.5% East Fremantle 12.9%
Applecross 22.6% West Leederville 12.8%
North Fremantle 19.8% North Perth 7.8%
Cottesloe 15.4% Claremont 4.2%
Source: REIWA/Landgate (Year to December, filtered for suburbs with more than 30 sales)
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Low interest rates
Source: REIWA, RBA
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Growing income levels
Source: REIWA, ABS
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Greater affordability
Source: REIWA, Landgate, ABS
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Steady sales
Source: REIWA, Landgate
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Listings for sale
Source: reiwa.com
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Myth-busting supply
Source: REIWA/ABS (August 2016)
Most
supplied
Per cent
listed for sale
Least
supplied
Per cent
listed for sale
North Coogee 6.3% Nedlands 0.4%
Northbridge 3.7% Greenwood 0.4%
Jolimont 3.1% Leeming 0.6%Filtered for suburbs with greater than 10 listings for sale
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New dwellings forecast
Source: REIWA, ABS, Housing Industry Forecasting Group (HIFG)
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Rental market trends
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Population drives rental
demand
Source: REIWA, ABS
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Leasing and tenure time
Source: reiwa.com
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Listings for rent
Source: reiwa.com
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Median rents
Source: reiwa.com (December 2017)
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Vacancy Rate
Source: REIWA member survey
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2018 outlook
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REIWA 2018 Outlook
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20 minutes
Morning Tea
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Executive Manager Practitioner Services WA, PEXA
PEXA update
Angella Chick
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66
5,574 Practitioner Firms
activated
4,176 Practitioner Firms
utilising
110,310PEXA Transfer
Transactions
Completed
PEXA’s Journey - 2017 to 2018
1 March 2017
3,442 Practitioner Firms
activated
2,086 Practitioner Firms
utilising
15,062PEXA Transfer
Transactions
Completed
1 March 2018
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67
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• WA Banking Symposium – round 3 held yesterday
• Guideline review and orchestration of guidelines tool
• Transfer Checklists for the majors online
• Discharge Authority preferences now online
Industry Collaboration
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• PEXA Direct Specialists/Virtual Specialists:
Angella Chick
Executive Manager Practitioner Services WA
• Community
Sign up at community.pexa.com.au
• PEXA Support Centre
1300 084 515
Support available in your area
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Account Manager - Land and Property, Landgate
Landgate update
Brook Durling
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The Journey to 100% Digital
Brook Durling
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What have we achieved so far?
• Enabled Landgate for electronic lodgement
• First electronic transaction 2014
• Standalone mortgages and discharges August 2016
• Refinances December 2017
• All eligible transactions 1 May 2018 (WC, D, T, M, C)
• Reduction in turnaround times for simple dealings
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Current position
• 35% increase of electronic lodgments in past quarter
• Over 50% eligible documents are being lodged
electronically
• Enhancements to online plan creation and lodgment
functionality
• Easier access to online services (single logon)
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Future vision
• 100% digital data (plans, new titles and dealings)
• All transactions lodged electronically
• Real time processing of dealings
• Real time approval and issue of land titles for all
deposited and strata plans
• Real time registration of all interests in land
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Thank you
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Chief Technology Officer, Western Australian Government
Cyber Security
Andrew Cann
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GOVERNMERNT OF
WESTERN AUSTRALIA
Office of the Government
Chief Information Officer
Digital - Changing the Cyber Security Landscape
Andrew Cann
GCIO8 March 2018
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Global
Australia
Hootsuite – 2018 Global Digital Report
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Hootsuite – 2018 Global Digital Report
Australian Attitudes
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SaaS
IaaS PaaS
…
f
APP1 APP3APP2
A B C D E F G H I
The Digital Paradox
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Damage Short and Long Term• Investigation• Breach Notification• Post-Breach Customer Protection• Regulatory Compliance• Legal Fees and Litigation• Security Improvements
• Increased cost to raise debt
• Lost customer relationships
• Lost contract revenue
• Devaluation of trade name
• Loss of IP
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SME’s -The New Targets?
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•‘Secret’ blueprints of
new ASIO HQ stolen
•Chinese hackers believed
to be behind theft
•Blueprints show security,
IT system layouts
•Agents hacked the 3rd
party contractor
http://www.abc.net.au/news/2013-05-27/asio-blueprints-stolen-in-major-hacking-operation/4715960
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Average Time to Detect a breach? - 191 days
Average Time to Contain a breach? –
Reputation brand damage from a breach? – 21%
Time to recover brand from a breach? – 11.8 months
Organisations dis-incentivised from declaring
66 days
Ponemon Institute 2017 Cost of Data Breach Study
Cyber Incident Impact
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Notifiable Data Breach • All entities subject to Privacy Act with turnover >$3
Million Annually;
• There is unauthorised access to, or unauthorised
disclosure of personal information, or a loss of
personal information, that an entity holds;
• This is likely to result in serious harm to one or more
individuals, (includes reputational) and
• The entity has not been able to prevent the likely risk of
serious harm with remedial action.
OAIC - Data Breach Preparation and Response
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You must notify any individuals that are at
likely risk of serious harm as a result of a
data breach; and
You must also notify the Australian
Information Commissioner.
Incentive to PreventOAIC - Data Breach Preparation and Response
Notifiction
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How Do Attacks Occur?
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Attack Vectors • Email – 90% of attacks start here. Scams such as phishing and
whaling
• Websites—malicious links can trigger attacks
• Smartphones, Tablets, Laptops—leave the controlled network, subject to potentially malicious wi-fi networks
• Thumbdrives/Portable Hard Drives—bypass network security by plugging in to computers directly
• Attachments to emails—files pretending to be safe actually run harmful code
• Internet Connectivity—anything that connects to the internet can be attacked
• Via other internal computers—once malware gets in to one machine, it can spread on internal networks 89
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Scammers, Hackers and Cyber Criminals will target
what the weakest link in security...people.
• 90% of cyber attacks begin with email and social
engineering.
• Clever tricks are used so curiosity overpowers
common sense.
• Tricks can include perfectly legitimate like logos
and email addresses.
How Attackers Really Get In!
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Lookout for Emotional Response!
•Curiosity – Gee that looks interesting
•Fear – OMG!
•Urgency – Process this right now!
Lookout for these emotions being triggered as a warning that something is not right.
Make processes clear and embedded from the top down.
Develop a culture where validating and confirming is the norm.
Address the three key components…
91
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Security - People, Process & Technology
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People• Education - Have a basic security policy and make all new starters read it.
• Awareness - Recognise and follow safe online practices (awareness training).
• Have a go to person for security…like a fire warden.
Process• Change default passwords across all systems to something new.
• Create non-administrator level accounts.
• Protect critical information
Technology• Allow automatic updates of your computers.
• Make sure Windows Defender (or other AV product) is switched on.
• Secure any remote access services
Security – The Basics
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•Before you click on a link in an unsolicited email;
- could it be a phishing attempt?
•Before you transfer money because of the email from your CEO;
- could it be a whaling attempt?
•Before you open unexpected attachments;
- could they be full of malware?
•Before you plug in that USB stick you found lying around;
- could this be a social engineering trick?
•Before you use public wi-fi to do work related tasks;
- could someone nearby be snooping on you?
•Before you tell social media everything about yourself;
- could you be giving too much away?
•Before you copy sensitive work related information onto a portable device;
- is the information protected if the device is lost or stolen?
Think Cyber
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Security Partnership
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Resources
• https://youtu.be/8-8dZ--OIho
• CERT Australia –
• Cyber Security Small Business Program Grants up to $2100 for testing.
• Stay Smart Online Small Business Guide
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40 minutes
Lunch
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25 min Plenary Sessions (Choose 3)
PRACTITIONER PANEL SESSION
Astral Ballroom
Engage with your peers on tips for future
proofing your business
PEXA PROJECTSStudio 1
PEXA’s solution for the
developer market
PEXA PLATFORMStudio 2
Gain an insight into the future of the PEXA
platform
LAW SOCIETYThe Studio
Changes to the Joint Form General
Conditions
SESSION START TIMES: 1:00 | 1:30 | 2:00
PEXA staff will direct you at the end of the lunch break
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Nicole Akatos Operations Manager, ANZ
Timothy Graham Executive Manager Mortgage Industry, Home Ownership Services, Westpac
Gary Howard General Manager Lending Operations, NAB
Suzanne Turnbull Executive Manager, Digital Lending Operations, CBA
David Morrissey Executive Manager Digital Operations, Bankwest
Bank Panel Session
HOST: Marielle Yeoh,
Chief Financial Services Officer, PEXA
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Thank you for attending