thomas bryner social business
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social banking.IBM Finance Forum – Thu Mar 7, 2013; Zagreb
Thomas A. Bryner
Executive Social Business Consultant
World-wide Social Business SWAT Team
IBM Corporation
© IBM Corporation | Thomas A. Bryner | 1picture: itbdigital.com
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trends
imperatives
approach
examples
agenda
© IBM Corporation | Thomas A. Bryner | 2IBM Finance Forum; Zagreb, Croatia
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america and europe are
© IBM Corporation | Thomas A. Bryner | 3
over-banked_ Jones Lang LaSalle; Global Retail Banking 2020
IBM Finance Forum; Zagreb, Croatia
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trends & challenges
Regulations
- Solvency II
- Basel III
- CRD IV
- …more stress-tests
Regulations
- Solvency II
- Basel III
- CRD IV
- …more stress-tests
New Competitors
- TelCos, PayPal, Postal Svc
- Nonbanking (TX processing)
- Social lending / P2P
New Competitors
- TelCos, PayPal, Postal Svc
- Nonbanking (TX processing)
- Social lending / P2P
Operational Excellence
- CIR (cost-income-ratio)
- Retail margin
- ATM/Branch operations
- Logistics
Operational Excellence
- CIR (cost-income-ratio)
- Retail margin
- ATM/Branch operations
- Logistics
Marketing
- Image
- Trust
- Segmentation
- Reach
Marketing
- Image
- Trust
- Segmentation
- Reach
Internal (systemic)
Complexity
- IT
- Processes
- Risk Management
- Governance
Internal (systemic)
Complexity
- IT
- Processes
- Risk Management
- Governance
Customer
- Social
- Mobile
- Cost-conscious
- Personalized
Customer
- Social
- Mobile
- Cost-conscious
- PersonalizedStrategy
- Business Models
“PoS“ (e.g., bank-in-a-shop)
Strategy
- Business Models
“PoS“ (e.g., bank-in-a-shop)
© IBM Corporation | Thomas A. Bryner | 4IBM Finance Forum; Zagreb, Croatia
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imperatives
© IBM Corporation | Thomas A. Bryner | 5
image is everything
harnessing the potential of social and analytics
establish new business models
branch / ATM network right-sizing
from cost per transaction to cost per account
restructuring the balance sheet
Jones Lang LaSalle, Global Retail Banking 2020; EY Retail Banking 2020; Lünendonk, Zukunft der Banken 2020 IBM Finance Forum; Zagreb, Croatia
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efficiency improvements unapt to
© IBM Corporation | Thomas A. Bryner | 6
survive_ Ernst & Young; Retail Banking 2020
IBM Finance Forum; Zagreb, Croatia
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approach
© IBM Corporation | Thomas A. Bryner | 7
external:
multi-channel web experience that caters social
and builds on strong analytics
Internal:
engaging the workforce to improve innovation,
competitive intelligence, and collaboration
IBM Finance Forum; Zagreb, Croatia
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examples (just a few)
© IBM Corporation | Thomas A. Bryner | 8
Swiss Private Bank
IBM Finance Forum; Zagreb, Croatia
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© IBM Corporation | Thomas A. Bryner | 9IBM Finance Forum; Zagreb, Croatia
examples
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examples
© IBM Corporation | Thomas A. Bryner | 10IBM Finance Forum; Zagreb, Croatia
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examples
© IBM Corporation | Thomas A. Bryner | 11IBM Finance Forum; Zagreb, Croatia
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examples
© IBM Corporation | Thomas A. Bryner | 12IBM Finance Forum; Zagreb, Croatia
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approach
© IBM Corporation | Thomas A. Bryner | 13IBM Finance Forum; Zagreb, Croatia
IBM Customer Experience Suite IBM Employee Experience Suite
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thank you.
© IBM Corporation | Thomas A. Bryner | 14
Thomas A. Bryner
Executive Social Business Consultant
World-wide Social Business SWAT Team
IBM Corporation
IBM Finance Forum; Zagreb, Croatia