1. Visual Analytics in Retail
Banking
Digital Transformation through Visual Analytics
in Retail Banking
Ferran Garcia Pagans
Financial Services Solution Architect

2. 2
Retail Banking Global Trends
Global Trends
Demographic Change
Technology
Evolution
Customer
Behavior
Increasing Regulations
Customer Centricity
Branch
Transformation
Proactive Capital
and Risk
Management
Operational Excellence
Key Initiatives

3. 3
Digital Transformation in Retail Banking
Branch
Transformation
Customer
Centricity
Operational
Efficiencies
Proactive Risk
Management
Business
Intelligence
Visual
Analytics
Customer
Intelligence
Customer
Acquisition
Relationship
Optimization
Omni-
Channel
Sales
Performance
Workforce
Management
Spent
Management
Executive
Dashboards
Branch
Performance
Regulatory
Reporting
Risk &
Exposure
Analysis
Providers
Performance
Key
Initiatives
Key
Analytic
Solutions
Platform OLAP/Reporting
DataMining
Financial Planning
Self Service Data Viz
Guided
Embeded
Custom Apps

4. 4
Customer Centricity: Customer Experience
I have to look at what is Alibaba doing? What is Google
Doing? What is Amazon doing? Because that customer
experience they’re creating – people are going to ask, ‘Why
can’t you do that as a bank?’
Customer
Experience
Web
Analytics
Omni-
Channel
Mike Smith, ANZ Bank
Citation: http://www.businessinsider.com.au/anz-boss-mike-smith-just-explained-the-huge-problem-
banks-face-from-tech-disruption-2015-4-

5. 5
Customer Centricity: Customer Intelligence
Core banking is all about an accounting system. And we have to move to
a customer-driven system, a behaviour driven system. We have all the
information – it’s a question of making that transition, which is, I think,
going to be the real challenge for banks. I think banks who get this right
are really going to benefit enormously, because then you can access
markets you couldn’t before.
Customer
Intelligence
Online Banking
Embedded Analytics
Relationship
Optimization
Mike Smith, ANZ Bank
Citation: http://www.businessinsider.com.au/anz-boss-mike-smith-just-explained-the-huge-
problem-banks-face-from-tech-disruption-2015-4-

6. 6
• Optimise cash management: WIB QI
provides a complete picture of your
cash position – including account
balances, historical trends and
transaction volumes
• Optimise payment channels: Each
cheque costs about $65 to process
compared to $13.30 for a purchasing
card transaction1. By classifying
payment channels and flows, you can
use WIB QI to quickly pinpoint
opportunities for significant cost
savings.
Insights as an Asset at Westpac
Source
http://wib.westpac.com.au/wibqi

7. 7
As transactions and sales shift to digital channels, branches that
cannot create incremental value will need to close, or transform.
Branch Transformation
Branch Performance
Branches are getting smaller as fewer customers use them for basic transactions.
Branch Transactions App.
Employee Facing -Customer Facing

8. 8
Swedbank empowers 5,000+ users with
customer analysis tool using Qlik
“Qlik is an immensely powerful Business Discovery
platform. The solution gives users the power to gain
access to and freely analyse data. It makes it possible for
them to climb the knowledge ladder from raw data to
refined information to analysis and conclusions resulting in
relevant action.”
Anki Ahrnell, Head of Marketing and Online Banking, Swedbank

9. 9
Capital and Risk Management
Regulatory
Reporting
Risk &
Exposure
Analysis
Regulatory
Reporting

10. 10
Operational Efficiencies
Workforce
Management
Expense
Management
Executive
Dashboards
Procurement

11. 11
Türk Ekonomy Bankasi (TEB)
“Qlik has given our teams a whole
new layer of visibility that simply
wasn’t available through our existing
data sources and reporting
environments”
Murat Özel
Senior Mgr, Business Analytics at TEB
a division of:
Challenges
• Traditionally used SAP Business Objects for
standard and ad hoc reporting
• Relied on Microsoft Excel for data sharing
and analytics purposes.
• Needed interactive, near-real time
information to gain competitive advantage
Solution
• Purpose built apps to drive efficiencies
across the organization for 4,000+
employees
• Monitors individual and providing effective
decisbranch performance ion support in
various business decisions through Qlik
• Used for Risk Analytics and Credit Limit
utilization analytics
• Users access Qlik with iPads

12. See the whole story that lives within your data
Innovative associative model enables users to probe all the
possible associations that exist in their data, across all data
sources, to answer not just “What happened?”, but “Why?”,
and “What is likely to happen?”
A platform for all your visual analytics needs
More than a tool, Qlik’s platform approach enables centrally
deployed guided analytics, self-service data visualization,
embedded and custom built analytics, collaboration and
reporting
Agility for the business user, with trust and scale for IT
Support the business and IT; Data sourcing and preparation,
visualization and analytics, collaboration and reporting all
within a governed framework
Why our approach is unique
A visual analytics platform

13. 13
Qlik Platform enables Visual Analytics
Embedded
analytics
Custom analytics
applications
Self-service data
visualization
Guided
analytics
Reporting and
collaboration
Decentralized analysis
and exploration for
individuals and groups
Centrally deployed guided
analytics to multiple
knowledge workers
Analytics embedded in
web and enterprise
applications
Custom-built analytics
applications for internal
and external use
Pixel-perfect report
distribution across the
enterprise
Explote Data in many different ways.

14. 14
Example, Big Data in Retail Bank
SQL
DATABASE
Big Data Layer
Discovery Layer
Guided
Analytics
Governed
Self Service
Development Discovery

15. Consistent Recognition from
Respected Third Parties
6 Years
in a Row
Gartner Magic
Quadrant Leader
2011, 2012, 2013,
2014, 2015, 2016
A Leader:
The Forrester
Wave™: Agile
Business Intelligence
Platforms, Q3 2015

16. Thank
you