This document discusses how digital transformation can help banks adapt to changing customer expectations and industry forces. It outlines DXC's digital transformation offerings focused on customer experience, digital workplace, business optimization, and systems of insight. The presentation demonstrates capabilities like customer 360 views, business process optimization, financial insights, and bot automation. It also discusses DXC's agile delivery approach and partnership with startups to bring new offerings to market. DXC positions itself as the largest independent Microsoft Dynamics partner with deep industry expertise to help banks transform digitally.

1. DXC Proprietary and Confidential
June 28, 2018
DXC Dynamics 365
Smarter banking in the customer-driven world
• Lori Murray, Global Product Leader, Microsoft Practice, DXC Technology
• Kate Wilson, Research Director – Australia and New Zealand, RFi Group
• Matthew Carr, Practice Advisor, Microsoft Practice, DXC Technology
Contact - SV - Status

2. June 28, 2018 2DXC Proprietary and Confidential
Agenda
1. Forces moving the industry to Digital
2. DXC Digital Transformation offerings
3. Demonstration
4. Backing Australian FinTech?
5. Why DXC

3. June 28, 2018 3DXC Proprietary and Confidential
Forces Moving the Industry to Digital

4. June 28, 2018 4DXC Proprietary and Confidential
Rise of
Non-Traditional Players
Innovation
Forces shaping the Financial Services Industry
Regulatory
Compliance
Expansion
Strategies
Higher
Capital Restriction
New
Business Normal
Cost
Efficiency
Dwindling
Customer Loyalty
Rise of
millennials
Security
Breaches
Millennials already
make up 22% of
the population, will
form 50% of the
workforce in just 5
years
Only 25% of
customer base for any
given bank indicate
brand loyalty
Innovative banks are
likely to see a 62%
growth over the next 5
years vs. a market
average of 35%
1 in 4 Australians are
aware of at least one
FinTech provider
operating in the market
Top 50 banks
estimate 5,000 -
15,000 employees
are focused on
managing regulatory
change and
compliance
71% of the banking
CEOs see cyber
insecurity as a threat to
their business, more
than any other sector
In the next 5 years,
digital sales have the
potential to account for
40+% of inflow
revenue in the most
progressive
geographies and
customer segments

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ATM
Online
Call Center Social
Branch
E-Mail
SMS
An increasingly connected digital
world has changed the way
customers engage with brands.
The expectations and comparisons
they’re making are not bank to
bank, but across industries.
In an age of commoditised products
and services, companies look to
customer experience as a key
competitive differentiator.
BOTS
How is consumer engagement with digital channels
changing?
Mobile

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What do consumers use digital channels for?
Customer Needs…
• I want my day-to-day transactions
to be seamless and effortless
• I want to be rewarded for being a
loyal customer
• I want services that are tailored to
my needs
• I want to believe that I have the
best deal
I’ll only go to a branch for
something big or to
resolve a problem.
Source: RFi Group
82%
79%
79%
71%
52%
48%
47%
46%
42%
41%
39%
38%
37%
37%
31%
27%
Transferring money to family/ friends
Checking account balances/ transactions
Paying bills
Updating personal details
Making changes to products
Asking questions about a new product
Applying for a credit card
Applying for a savings account
Applying for a transaction account
Making a deposit into an account
Applying for a term deposit
Applying for a personal loan
Seeking investment advice
Applying for an investment product
Resolving a problem or complaint
Applying for a home loan
% of consumers performing the following tasks via digital channels
AUSTRALIA
H1 2017 H2 2017

7. June 28, 2018 7DXC Proprietary and Confidential
There is room for growth in mobile banking usage
among older consumers
74% 75%
71% 72%
64%
61%
69%
61% 63%
46%
32%
20%
8%
36%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
18-24 25-34 35-44 45-54 55-64 65+ Total
% of consumers in Australia who use digital banking at least weekly via:
Web browser Mobile banking app
Source: RFi Group Australian transaction account survey (n=2,000)

8. June 28, 2018 8DXC Proprietary and Confidential
66%
73% 75% 77%
71% 71% 73%
76%
66%
50%
40%
26%
17%
41%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
18-24 25-34 35-44 45-54 55-64 65+ Total
% of consumers in New Zealand who use digital banking at least weekly via:
Web browser Mobile banking app
…And in New Zealand for mobile banking app usage
Source: RFi Group New Zealand Payments survey (n=2,000)

9. June 28, 2018 9DXC Proprietary and Confidential
of bankers agree that the industry is
evolving to become a series of inter-connected
digital financial services within a secure and
regulated ecosystem…
96%96%

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…only 13% see themselves as prepared to
support such an ecosystem
13%

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…only 13% see themselves as prepared to
support such an ecosystem
Decide what kind of financial services organisation
you are going to be
Select the right strategy
Build the right digital foundation with partners that
understand the strategy
Choose a partner that will be part of the entire
journey
How do you prepare?
13%

12. June 28, 2018 12DXC Proprietary and Confidential
DXC Digital Transformation Offerings

13. June 28, 2018 13DXC Proprietary and Confidential
The Drive to Digital
Transform with open and connected
systems
• Build the network that appeals to future
generations
• Shift from product to customer centric
strategies
• Greater need for cloud-based solutions
for agility
• Adopting an innovation culture to adopt
and experiment quickly is the key to
success
• Look outside the industry at successful
innovation approaches, implementations
and drive innovation through partnership
Digital Business
Empowering a high quality, committed
workforce
• Reduction of resources in “business as
usual” to areas of growth, for example
move branch activity to advisory and
complex services
• Emphasis on analytics, social media,
digital channels, mobile and robotics to
create new revenue streams
• Modernise and automate the business
processes associated with legacy
platforms
• Deeper insight through unified data and
migration from data to intelligence
Digital Workplace
Migration towards the age of the
customer
• Connect with customer when, where
and how they want
• Deliver seamless, intuitive and easy
access to customer
• Mine data to create a 360 view of your
customer
• Understand what and where your
customers engage
• Increased focus on customer
intelligence and target marketing
Digital Experience
By 2020, customer experience will overtake price and product as the key brand differentiator

14. June 28, 2018 14DXC Proprietary and Confidential
Systems of
Insight
While a unified data platform is key to compete in the digital age…
DXC Digital Differentiators
Social Mobile IoT Optimisation
Machine
Learning
Cognitive
Systems
Artificial
Intelligence
Robotics Open API
Systems of
Engagement
Insight
Enablers
PowerApps / Flow
Common Data ServiceMicrosoft 365
SERVICEPLATFORM MARKETING SALES SOCIAL
Social Understand what the clients want and what they are saying about your
organisation and proactively react.
Example: Linkedin Sales Navigator can include an individual profile
directly into your CRM to allow an advisor to engage and sell better
Robotics BOTS / Conversation as a Service (CaaS) powered by AI and Natural
Language Processing
Example: 24x7 omni channel to capture and convert relevant and
actionable offers
Optimisation System Automation and Straight Through Processing
Example: Loan Processing and Disbursement in 5 minutes
Machine
Learning
Build insights and context behind your data, then establish predictive
patterns
Example: Personalised of relevant offerings to increase conversion,
next best action/offer based on developed propensity models
IOT Know Your Customer (KYC)
Example: When a customer walks into a branch, act accordingly with
concierge services

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Process Transformation
Common application platform: PowerApps, Microsoft Flow, Common Data Service
DXC’s Microsoft 365 Suite of Cloud Offerings
Microsoft Dynamics 365 DXC Industry Accelerators D365 Cloud Assessment
Branch Transformation
Microsoft Office 365Microsoft Azure
QuickStarts are:
• Engagements with defined deliverables
• Development of full migration project
• Fixed price bundles designed to support agile
business dynamics
QuickStarts provide:
• A simplified buying experience
• Value-based outcomes at a lower risk
• Demonstrable benefits … in 12 weeks or
less!

16. June 28, 2018 16DXC Proprietary and Confidential
Demonstration
Customer 360
Business Process Optimisation
Financial Insights
BOT Automation

17. June 28, 2018 17DXC Proprietary and Confidential
Agile Delivery Approach – Idea to Value Process
Client collaboration,
Agile DevOps teams
Daily Scrum
Meeting
System Demo
Release
Planning
Teams’ Planning
Vision,
roadmap
Backlog
2-4 week
sprint
cycle
Every
working
dayRelease Plan
Teams’ Backlog Desired
Outcomes
Metrics,
Dashboards
Plan, Do,
Check, Act
Teams’
Retrospective
Inspect
and AdaptContinual
Improvement
Production
Release on
Demand
Agile development with DevOps
Continuous Integration
Continuous Delivery
Automated Deploy and Config.
Production Operations
Agile Release
Train
Automated
Testing
Idea ValueContinuous Reliable Predictable Visible

18. June 28, 2018 18DXC Proprietary and Confidential
Beyond tools and technology, partnership is key
Purpose
• Establish and expand Applied
Innovation Hub.
• Partner with Stone & Chalk to
build presence in start-up
community.
• Co-creation of new offerings.
• Demonstrate a new level of
engagement and working.
Bringing together:
Benefits to our clients
• Solve real business problems.
• New ways of working to accelerate
speed to market.
• Commercialise new solutions and
services through collaboration with
startups, scaleups and partners.
• Provide up-skilling opportunities for
employees as part of the solution
development (e.g. user centered
design and lean startup
methodologies).
LEADERSHIP, CULTURE, CAPABILITY, VELOCITY

19. June 28, 2018 19DXC Proprietary and Confidential
Backing Australian FinTech?

20. June 28, 2018 20DXC Proprietary and Confidential
What risk does FinTech pose to traditional banking
providers ?
% Consumers comfortable using a FinTech provider
Globally, the trend away from
traditional banks is clear.
Non-Traditional players are
also turning to this market.
Australia is less at risk from
disruption by FinTech than
other markets.
Change is quick however,
Australia more than doubled
from 5% to 12% in 2017.
11% 8%
48%
11%
53%
30%
4%
12% 12%
28%
20%
15%
11%
33%
31%
23%
21%
8%
27%
14%
13%
19%
26%
19%
81%
42%
76%
51%
12%
39%
25%
41% 39%
-10%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
% Very Comfortable (8-10) % Comfortable (6-7) NET (comfortable 6+/10)

21. June 28, 2018 21DXC Proprietary and Confidential
Why DXC ?

22. June 28, 2018 22DXC Proprietary and Confidential
DXC Microsoft Dynamics Practice – At a Glance
#1
LARGEST INDEPENDENT
MICROSOFT DYNAMICS SI
1 TEAM
ONE GLOBAL TEAM
FOR PROJECT
IMPLEMENTATIONS
Industry Centres of Excellence
DEDICATED MICROSOFT
DYNAMICS RESOURCES
2,250+ 98%
CUSTOMER
RETENTION RATE
MAXIMISING MICROSOFT VALUE
• BUSINESS APPLICATIONS
• DATA & AI
• AZURE SERVICES
• MODERN WORKPLACE
24 x 7 x 365
UNLIMITED SUPPORT CALLS
“FOLLOW THE SUN”
4,000+
MICROSOFT DYNAMICS
CLIENTS
5x
MICROSOFT PARTNER
OF THE YEAR
Financial Services & Insurance
Retail & Distribution
Engineering & Construction
Healthcare
Manufacturing
Energy & Mining
Public Sector
EnterpriseAsset Management

23. June 28, 2018 23DXC Proprietary and Confidential
Benefits
Branch
Modernisation
Customer
Engagement
Improve
Revenue
Lower
Costs
Customer
Insight
Gain
Intelligence

24. DXC Proprietary and Confidential
Thank you.