1. Tecnología y
Banca
JUL | 2018

2. 01 Ways of Banking
02 Transformation
03 In Closing
Index

3. 01
Ways of Banking

4. DigiCal
Banking
The interactions with
customers in our own
e-Channels and Smart
Self-Service Machines
used to transact on,
invest on, get
informed about and
cross-sell our
financial products.

5. Engagement
Banking
The interactions with
customers & (occasionally)
non-customers in our own
ecosystem of social
networks, benefits,
rewards points & store
sites, to promote loyalty
and engagement with
ICBC Argentina.

6. Open
Banking
The interactions with non-
customers and customers
through our open web sites
and open ecosystem of third
parties, seeking to acquire
new customers,
cross-sell and expand
ICBC Argentina financial
services and products.

7. “I need a
financial service
from ICBC”
“I’m interested
in something
else than a
financial
service coming
from ICBC”
“I’m interested
in something
else than a
financial
service, not
even thinking
in ICBC”
MINDSET DURING INTERACTIONS

8. 02
Transformation
OUTSIDE - INSIDE

9. OUTSIDE
TRANSFORMATION
Focus: Interactions and Insight
Technologies: Mobile – APIs – AI – Biometrics –
Smart Branch – QR - Roboadvisory – PFM – Big
Data – Behavior Analytics – Virtual Assistants
Approach: Design Thinking – Data Science –
Mobile Payments – eCommerce – API Banking –
Digital/Physical Integration – Responsive Design

10. OUTSIDE TRANSFORMATION – SOME EXAMPLES
mobile
 Both Individuals and
Companies customers
can operate mobile
 Apps 100% co-designed
with customers
 Responsive web design
 Facial Recognition for
Identity Verification
(Passwordless)
 Mobile Payments (mPOS,
QR P2P, DEBIN, eWallet)
 Remote Check Deposits
 Geolocalization (Benefits)

11. OUTSIDE TRANSFORMATION – SOME EXAMPLES
AI
 Data Science Team
 Cybersecurity
 Fraud Detection
 Anti-Money Laundering
 ATM & TAS Maintenance
 Data Center Operations
 Facial Recognition
 Cash Optimization
 Virtual Assistant
 Advisory on Best
eCommerce Offer (ICBC
Store)
smart bank

12. OUTSIDE TRANSFORMATION – SOME EXAMPLES
APIs
 50+ APIs available for
customer acquisition
(digital on boarding,
DEBIN, ICBC Club,
Payments among
others)
 API Gateway
 Developers Site
 Governance
 Developers community
promoters
 API + Cloud (in
progress)
open bank

13. INSIDE
TRANSFORMATION
Focus: Agility and Robustness
Technologies: Paperless – Robotics Process
Automation – AI – Cloud – RPA – Blockchain
Approach: Cybersecurity – Agile – Lean – Hybrid
Architectures Design – Design Thinking – Data
Science

14. OUTSIDE TRANSFORMATION – SOME EXAMPLES
Paperless
 Trade Services
 Customers & Products
Origination
 Scanning capabilities
 Biometric Signature
 Tablets
 OCR
 BPM
 Rules Engine
 Digital Forms
agile bank

15. 03
In Closing

16. TRANSFORMATION IN ICBC ARGENTINA…

17. VALUE CREATION ECOSYSTEM

18. GRACIAS!