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WOW!DIGITAL

TRANSFORMATION

52

Transform plans intoreality

53

Customer

Consumer segment

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55

ArchitectureOrganization Agility Infrastructure

Efficiency

“People Ready”

“Cost/Value Conscious”

“Tech Ready”

Available and reliable

systems

• Value driven prioritization of resources

• Accountability

Tech enablerHigher frequency and

value deliveries

Specialization and

technical proficiency

56

1 Affluent branches and other special formats not focused onconsumer segment are not included.

▪ Optimizing branch formats and footprint

▪ Migrating customer interactions toalternative and digital channels

▪ Scaling remote advisory as a new channel

▪ Boosting sales framework and customers’ interactions based ondata

▪ Applying advanced analytics as mainengine for leads generation

▪ Developing digital marketing capabilities

▪ Promoting digital education

▪ Developing digital journeys for sales, servicing and transactions

▪ Optimizing performance management model for a digital enviroment

57

Retail Banking Retail BankingConsumer segment

Wholesale Banking

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