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Branch Transformation
Driving home the digital innovation advantage, securely and efficiently!
Confidential. Copyright © 2018 Aurionpro Solutions. All rights reserved.For More Information visit: https://ace.aurionpro.com/
Opportunities and risks from an increasingly
complex regulatory and competitive environment
Banking has changed!
Confidential. Copyright © 2018 Aurionpro Solutions. All rights reserved.
Competition Intensifies
Technology Disruptors
New Entrants
& more…
& more…
& more…
“Customers have a greater
choice, improved security and
demand superior digital driven
customer experience”
Why Branch Transformation is critical
• Biggest cost item for a Retail bank (circa 40-60% of total
cost); Lloyds Bank estimated cost > £3Bn/yr
• Branch transactions cost 40 times > online transactions
• 15% of branch network is unprofitable
Why branches are relevant…
• 70% customers prefer branch close to where they live
• Proximity to branches is the top reason for new account
openings
• UK bank branches have >67 Million transactions / week
• Key services – account opening, mortgage, loan, credit
card, cash/cheque deposit need branches. Customers
still prefer to ‘go’ and do these transactions in physical
spaces
• Enhancing brand loyalty
For More Information visit: https://ace.aurionpro.com/
How would you like to amplify the
power of digital innovation through a branch?
Seamless
omnichannel
experience
across access
points
Maximize
revenue share
of wallet
Intensify
your
customer’s
loyalty
Reduce
cost of
branch
operations
Confidential. Copyright © 2018 Aurionpro Solutions. All rights reserved.For More Information visit: https://ace.aurionpro.com/
Confidential. Copyright © 2018 Aurionpro Solutions. All rights reserved.
Branch Transformation
Digitally Amplified Experience driven by
Personalization, Automation and Analytics will
power Customer Experience Transformation
Enhanced Self
Serving Hubs across
multiple
products/services
Increased High Value
Sales and Customer
Experience
• Digital Branch Kiosks (Branch-in-a-box machines)
• Real-time video chat pods (for consultation, verification etc.)
• Advanced scanning options (for capturing KYC)
• Voice, Fingerprint biometrics to deliver card less transactions
• Real-time card (debit/card) dispensing & activation
• Digitization of Account Opening, Mortgage, Retail self-care processes (Digital-kiosk integration)
• Video walls, Digital Signage to deliver real time & personalized information (Lending rates, FX, NPS etc.)
• Virtual queue management (based on customer category) enhanced by iBeacon technology
• Real time branch analytics; Cross/Up sell recommendations
• Terminal free environment; moving agents to tablets
Click here to view scratch use case demo: https://youtu.be/3RWSAusZ8Ls
For More Information visit: https://ace.aurionpro.com/
Aurionpro ‘Smart Branch’ Transformation
Revenue Maximization
Intensify Loyalty
Enhance Efficiencies
• Digitization of Account
Opening, Mortgage,
Retail self-care
processes
• Advanced scanning
options (for capturing
KYC)
• Real-time card
(debit/card) dispensing
& activation
• Voice biometrics
• Video chat
• Real time branch
analytics; Cross/Up sell
recommendations
• Next generation
platform for managing
digital signage solutions
including centralized
control & analytics
• Interactive statements
delivered on Digital
channels with printing
capabilities on the
kiosks
• Video walls, Digital
Signage to deliver real
time & personalized
information (Lending
rates, FX, NPS etc.)
Aurionpro Customer Engagement (ACE) Platform
Automation Analytics Personalization
Confidential. Copyright © 2018 Aurionpro Solutions. All rights reserved.
For More Information visit: https://ace.aurionpro.com/
`
Digitally wired customer
centric platform
Rich & consistent
experience
Enhanced straight
through processing
Modernising customer
engagement
Digital touch points
with rich media curation
Coherent feedback
loop & addressing
Extreme personalized
service / content
Deep customer insights
via analytics
Own your
customer’s digital footprint
powered by
Confidential. Copyright © 2018 Aurionpro Solutions. All rights reserved.For More Information visit: https://ace.aurionpro.com/
Key Benefits
Confidential. Copyright © 2018 Aurionpro Solutions. All rights reserved.
• Smart branches are ~25% smaller than traditional branches; can be opened
for longer hours
• Smart branches can deliver ~5% improvement in operating costs and ~1%
increase in new revenues
• Branch network can expand in unusual but useful locations such as inside
malls, inside large departmental stores, etc.
• Seamless Omnichannel experience with process that pans across online,
mobile and branch with consistent, simplified and immersive customer
experience.
• Digitization of key retail banking processes – Lending, Mortgage, Credit Card,
Account Opening etc.
• Introduce new products e.g., Loyalty cards, 3rd party white labeled products
Potential Business Impact (Estimated) per year
£400M
in savings
£70M
additional revenue
For More Information visit: https://ace.aurionpro.com/
Confidential. Copyright © 2018 Aurionpro Solutions. All rights reserved.
Case Study
• Building and rolling out a next-generation branch template to enable extreme
automation, personalization while reducing cost of branch operations to less than
25%
• We transformed banking experience for the bank’s customers with an automated
Smart Branch solution which resulted in savings of 35 people/branch (front and
back office) - Powered by Digital Branch DX product powered by the ACE
Platform
Aurionpro’s digital branch transformation for a leading public sector bank with 15000
branches in India, empowered the bank to offer quicker and more efficient services to
attract customers, generate leads, cross-sell various banking products and enhance the
overall branch banking experience.
Learning from global success stories
Learn from India’s leading bank that leveraged Branch Transformation to amplify sales reach
and redefine customer experience while reducing TCO on branch operations
For More Information visit: https://ace.aurionpro.com/
Interaction Points
Solutions
Digital Signage DX
Traffic Management
Feedback System
Smart Kiosks
PoS
Interact DX
Digital Gift DX
Customer Insights
Media Management
Digital Branch DX
EMV Card Printer
Video Teller Machine
Features & modules
• Seamless integration with existing systems
• Multi-source content input
• Compliant and certified
• Identity integrity and authentication
• Personalization framework
• Support across on-premise & cloud
• New age experience design
• Extreme personalization with automation & analytics
• Integrated platform for multi-tenet delivery
• Pre-configured Industry workflows
• Rich media curation & delivery
• Voice of customer feedback loop
Services
Assess & Plan Design & Deploy Grow & Nurture
• Service Experience Strategy
• Digital Experience Strategy
• Digital Experience Design
• Service Area Design
• Technology Architecture
• ADX Implementation
• System Integration
• App Development
• Hardware/Software manufacturing
• Digital Enablement
• Measurement & metrics
• Communications Mgmt.
• Listening & Analysis
• Surveys and Research
• Experience Enhancement
ACE Offerings - At a Glance
Digital Signage Devices Mobile Tablet Web Print Email Voice Text
A seamless experience across all touch points
Confidential. Copyright © 2018 Aurionpro Solutions. All rights reserved.For More Information visit: https://ace.aurionpro.com/
Let’s Get Started
Confidential. Copyright © 2015 Aurionpro Solutions. All rights reserved.
Pilot project to showcase Branch Transformation Impact
3 day workshop to scope up Branch Transformation
roadmap based on your objectives, initiatives
Demo of our ACE powered products
For More Information visit: https://ace.aurionpro.com/

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Trends in digital banking

  • 1. Branch Transformation Driving home the digital innovation advantage, securely and efficiently! Confidential. Copyright © 2018 Aurionpro Solutions. All rights reserved.For More Information visit: https://ace.aurionpro.com/
  • 2. Opportunities and risks from an increasingly complex regulatory and competitive environment Banking has changed! Confidential. Copyright © 2018 Aurionpro Solutions. All rights reserved. Competition Intensifies Technology Disruptors New Entrants & more… & more… & more… “Customers have a greater choice, improved security and demand superior digital driven customer experience” Why Branch Transformation is critical • Biggest cost item for a Retail bank (circa 40-60% of total cost); Lloyds Bank estimated cost > £3Bn/yr • Branch transactions cost 40 times > online transactions • 15% of branch network is unprofitable Why branches are relevant… • 70% customers prefer branch close to where they live • Proximity to branches is the top reason for new account openings • UK bank branches have >67 Million transactions / week • Key services – account opening, mortgage, loan, credit card, cash/cheque deposit need branches. Customers still prefer to ‘go’ and do these transactions in physical spaces • Enhancing brand loyalty For More Information visit: https://ace.aurionpro.com/
  • 3. How would you like to amplify the power of digital innovation through a branch? Seamless omnichannel experience across access points Maximize revenue share of wallet Intensify your customer’s loyalty Reduce cost of branch operations Confidential. Copyright © 2018 Aurionpro Solutions. All rights reserved.For More Information visit: https://ace.aurionpro.com/
  • 4. Confidential. Copyright © 2018 Aurionpro Solutions. All rights reserved. Branch Transformation Digitally Amplified Experience driven by Personalization, Automation and Analytics will power Customer Experience Transformation Enhanced Self Serving Hubs across multiple products/services Increased High Value Sales and Customer Experience • Digital Branch Kiosks (Branch-in-a-box machines) • Real-time video chat pods (for consultation, verification etc.) • Advanced scanning options (for capturing KYC) • Voice, Fingerprint biometrics to deliver card less transactions • Real-time card (debit/card) dispensing & activation • Digitization of Account Opening, Mortgage, Retail self-care processes (Digital-kiosk integration) • Video walls, Digital Signage to deliver real time & personalized information (Lending rates, FX, NPS etc.) • Virtual queue management (based on customer category) enhanced by iBeacon technology • Real time branch analytics; Cross/Up sell recommendations • Terminal free environment; moving agents to tablets Click here to view scratch use case demo: https://youtu.be/3RWSAusZ8Ls For More Information visit: https://ace.aurionpro.com/
  • 5. Aurionpro ‘Smart Branch’ Transformation Revenue Maximization Intensify Loyalty Enhance Efficiencies • Digitization of Account Opening, Mortgage, Retail self-care processes • Advanced scanning options (for capturing KYC) • Real-time card (debit/card) dispensing & activation • Voice biometrics • Video chat • Real time branch analytics; Cross/Up sell recommendations • Next generation platform for managing digital signage solutions including centralized control & analytics • Interactive statements delivered on Digital channels with printing capabilities on the kiosks • Video walls, Digital Signage to deliver real time & personalized information (Lending rates, FX, NPS etc.) Aurionpro Customer Engagement (ACE) Platform Automation Analytics Personalization Confidential. Copyright © 2018 Aurionpro Solutions. All rights reserved. For More Information visit: https://ace.aurionpro.com/
  • 6. ` Digitally wired customer centric platform Rich & consistent experience Enhanced straight through processing Modernising customer engagement Digital touch points with rich media curation Coherent feedback loop & addressing Extreme personalized service / content Deep customer insights via analytics Own your customer’s digital footprint powered by Confidential. Copyright © 2018 Aurionpro Solutions. All rights reserved.For More Information visit: https://ace.aurionpro.com/
  • 7. Key Benefits Confidential. Copyright © 2018 Aurionpro Solutions. All rights reserved. • Smart branches are ~25% smaller than traditional branches; can be opened for longer hours • Smart branches can deliver ~5% improvement in operating costs and ~1% increase in new revenues • Branch network can expand in unusual but useful locations such as inside malls, inside large departmental stores, etc. • Seamless Omnichannel experience with process that pans across online, mobile and branch with consistent, simplified and immersive customer experience. • Digitization of key retail banking processes – Lending, Mortgage, Credit Card, Account Opening etc. • Introduce new products e.g., Loyalty cards, 3rd party white labeled products Potential Business Impact (Estimated) per year £400M in savings £70M additional revenue For More Information visit: https://ace.aurionpro.com/
  • 8. Confidential. Copyright © 2018 Aurionpro Solutions. All rights reserved. Case Study • Building and rolling out a next-generation branch template to enable extreme automation, personalization while reducing cost of branch operations to less than 25% • We transformed banking experience for the bank’s customers with an automated Smart Branch solution which resulted in savings of 35 people/branch (front and back office) - Powered by Digital Branch DX product powered by the ACE Platform Aurionpro’s digital branch transformation for a leading public sector bank with 15000 branches in India, empowered the bank to offer quicker and more efficient services to attract customers, generate leads, cross-sell various banking products and enhance the overall branch banking experience. Learning from global success stories Learn from India’s leading bank that leveraged Branch Transformation to amplify sales reach and redefine customer experience while reducing TCO on branch operations For More Information visit: https://ace.aurionpro.com/
  • 9. Interaction Points Solutions Digital Signage DX Traffic Management Feedback System Smart Kiosks PoS Interact DX Digital Gift DX Customer Insights Media Management Digital Branch DX EMV Card Printer Video Teller Machine Features & modules • Seamless integration with existing systems • Multi-source content input • Compliant and certified • Identity integrity and authentication • Personalization framework • Support across on-premise & cloud • New age experience design • Extreme personalization with automation & analytics • Integrated platform for multi-tenet delivery • Pre-configured Industry workflows • Rich media curation & delivery • Voice of customer feedback loop Services Assess & Plan Design & Deploy Grow & Nurture • Service Experience Strategy • Digital Experience Strategy • Digital Experience Design • Service Area Design • Technology Architecture • ADX Implementation • System Integration • App Development • Hardware/Software manufacturing • Digital Enablement • Measurement & metrics • Communications Mgmt. • Listening & Analysis • Surveys and Research • Experience Enhancement ACE Offerings - At a Glance Digital Signage Devices Mobile Tablet Web Print Email Voice Text A seamless experience across all touch points Confidential. Copyright © 2018 Aurionpro Solutions. All rights reserved.For More Information visit: https://ace.aurionpro.com/
  • 10. Let’s Get Started Confidential. Copyright © 2015 Aurionpro Solutions. All rights reserved. Pilot project to showcase Branch Transformation Impact 3 day workshop to scope up Branch Transformation roadmap based on your objectives, initiatives Demo of our ACE powered products For More Information visit: https://ace.aurionpro.com/