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SAP - Omni Channel Banking
- 1. SAP Omni-Channel Banking Nachhaltigkeits- und Innovationspotentiale für Banken Thorsten Georgi, Köln, 18. März 2014
- 2. 6.5 B mobile subscribers worldwide 40% of world’s population is online 80% of people don’t leave home without their mobile Digital technology is engrained in our lives
- 3. and it’s dramatically altering the way we bank 61% of internet users bank online - 48% of smartphone owners use mobile banking 1 in 6 say a poor mobile experience prompts them to shop for a new bank 21% of those using mobile banking made a mobile deposit
- 4. © 2013 SAP AG. All rights reserved. 4Internal Consistent User Experience
- 5. © 2013 SAP AG. All rights reserved. 5Internal From Multi Channel to Omni Channel 9:00 am | At home Starting transaction by capturing an image 10:00 am | On way to work Snaps picture of home for sale and initiates pre approval 231 Ellsworth St. $650,000 PRE APPROVE 3:30 pm | At work Gets a call from the call center to follow up on transactions, triggered from analytics 1:00 pm | At ATM Withdraws money using mobile generated code without needing a debit card 10:30 am | At work Logs on to complete pending transactions from mobile Washer Thermostat Pool 231 Ellsworth St. $650,000 Preapproval Form 12:00 pm | On way to lunch Receives card-linked cash back offer for Italian bistro a block away 7:00 pm | On couch at home Reviews personal financial management data and checks out rewards earned CONGRATULATIONS! Today you earned: 1,000 points $4 cash back Use the code at the ATM for your $100 withdrawal SMPLY office
- 6. © 2013 SAP AG. All rights reserved. 6Internal Sustainable Solution Architecture
- 7. © 2013 SAP AG. All rights reserved. 7Internal However, achieving innovation across channels is challenging Retail Banking Credit Card Mortgage Brokerage Corporate Banking Increases costs of building and supporting new channels Limits ability to introduce new capabilities Results in inconsistent customer experiences A complexity that grows exponentially across multiple silos…
- 8. © 2013 SAP AG. All rights reserved. 8Internal SAP facilitates faster cross-channel innovation Retail Banking Corporate Banking SAP Multi-Channel Banking Credit Card Mortgage Brokerage • Leadership in mobile • Digital sales migration • Self-service enablement • Customer loyalty and engagement • Eliminate duplication across silos
- 9. © 2013 SAP AG. All rights reserved. 9Internal Solving Problems? Adding Value?
- 10. © 2013 SAP AG. All rights reserved. 10Internal Digital Retail Banking Empower retail customers to manage their finances, anytime and anywhere. SAP Multi-Channel Banking Solutions for bank customers Digital Corporate Banking Offer the simplicity of a consumer solution plus the reporting and approval flows a corporation requires. Mobile Money Expand banking services to the unbanked and under-banked. Cash2Mobile Provide a safe, reliable way for delivery drivers to receive funds via mobile. Received Message Thanks. The payment was successfully made. INVOICE #: 102938 AMOUNT: $10,000.98 NAME: ANDRZEJ SUPE… ATM Manage millions of transactions, dispense cash and market additional targeted offers and products. Call Center Empower agents to effectively respond to inquiries with access to communication tools from any location.
- 11. Bill Pay, Account and P2P Transfers MFA, Secure Session and Public Information Access to Internal and External Accounts Remote Deposit Capture Offers and Loyalty Retail Banking
- 12. Corporate Banking Approvals and Releases ACH / Wires Payment & Transfer Scheduling Cash Management
- 13. Market Better Attract more customers while driving profitability and growth Sell Better Retain customers while converting loyalty into revenue and profitability Service Better Exceed customer expectations and drive customer loyalty anytime and anywhere SAP Omni-Channel banking enables banks to
- 14. Develop an idea for an innovative mobile solution we can help refine the use cases and create a prototype Formulate your digital multi- channel, banking strategy we can assist in creating a prioritized strategy and roadmap Learn more about SAP solutions schedule a deep dive Harness the power of SAP
- 15. Thank You
Hinweis der Redaktion
- SAP offers solutions that enable our customers to empower consumers to transact through different channels. OnlineMobileATMCall Center
- Get an easier, more convenient way to manage all aspects of your accounts – with the SAP Retail Mobile Banking app. The app enables you to access youraccounts, pay bills, transfer funds between your internal and external accounts, send money to friends and family, view upcoming bills, access your rewards points, find ATMs/Branches, receive coupons and offers, deposit checks, withdraw funds, and manage your finances on the go.
- With SAP Corporate Mobile Banking app, our customers can quickly launch corporate mobile banking solutions to their corporate customers to enable them to manage their accounts more effectively. From cash management, ACH and Wire transfers initiation and approvals, to account management, payments and transfers scheduling, approval notifications, etc. managing corporate accounts has never been.