Digital Banking Ecosystem

Feb 9th, 2017

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Can you imagine a world without banks?

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People are already banking without banks

0% 100%

Disintermediation

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* Transformation of Global Banking Transactions 2015 vs. 2014

21%

Decrease in Use of Bank

Branches

42%

Increase in Use of

Banking Mobile Apps

58%

Increase in Use of Banks’

Online Portals

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Alipay $60B

SoFi $4B

Lufax $18.5B

JD Finance $7B

Stripe $5B

Credit Karma $3.5B

Global FinTech Unicorns Are Emerging as New Winners

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4.5X Sales

75% Time Deposits online

90% Account Holders Interactions

98% of all retail transactions

-45% customer dissatisfaction

30% release in branch capacity

#BBVA #Citi

Some banks are getting it right…

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…but most banks don’t know what to do next

Banks’ View of Digital Ecosystem, 2016

]

96% bankers agree with evolution of digital banking ecosystem

13% see their core systems and other technology sustaining such an

ecosystem

Banks’ View of their Core Systems to Sustain the Ecosystem, 2016

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∞ Cross/Up Sell Customer Lifetime Value

Higher Sales & Marketing

Rich Customer Experience

Expand Market Share

Uncover Opportunities

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Elevate High Level Components and Services

Micro Services Omni Channel Engagement Platform

Security

Other Data Products

AML and Fraud Detection

Digital Banking Aggregator Shared Business Rules, Automation, Customer Interaction Repository

Cloud Delivery Platform

Mortgage & Loans Origination

Saving Origination

Current Accounts Origination

Mortgage & Loans Services

Savings Services

Current Accounts Services

Analytics

ECM

Regulatory and Legal

CRM

Authentication

Advisory Services

Transformation and Integration

Services

Application Services

BPO and Managed Services

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How Elevate benefits the bank and its customers…

•  Responsive and seamless customer experience across all touch points

•  Delightful Customer Journey due to personalized products and services

•  Improve Operational efficiencies across the value chain

•  Effective and Efficient Marketing and Sales

•  Discover new markets and exploit opportunities

•  Deepen customer satisfaction and loyalty, driving long-term relationships and profitability

•  Consistency of responses minimizes friction

•  Maximizes relevance of offers and increase sales conversions

•  Beat the competition with faster innovations and smart effective targeting

Upsell Cross Sell

Improved Efficiency

Physical Digital

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“With this new digital process, we increased the quality of service to Caixa customers while reducing costs significantly.” Teotonio Costa Rezende, Housing Director, Caixa Econômica Federal

“Unisys’ leading edge technology that has allowed us to quickly bring new services and products to our customers without compromising the security of our data.” Larry Peterson, Vice President Data Processing, Union Bank & Trust

“Unisys is a strong partner in our transformation to an Omnichannel environment that provides positive customer experience.” Latin American Commercial Bank, Sr.Director

What are people saying about Unisys?

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READY TO ELEVATE

YOUR BANKING EXPERIENCE?