Banking in the future will be different than now. Banking is not equal banks. How new financial world will be look like from customer point of view? Slides present possible innovation strategies: • customers will compare their digital banking experience with other business sectors, • banks will be hidden behind the daily business services and not visible for customers, • customers will expect a seamless integration of the entire banking experience. Digest form of information helps in further discovery of the subject.

1. BANKING FUTURE
INNOVATION STRATEGIES
KULTURAIT.PL PRESENTS
Design
the Future
by Tadeusz Kifner

2. FUTURE
Excellence - universal bank means financial
services excellence cross countries & regions
and cross products.
Perception - digital means global level
banking without boundaries and limits cross
different channels and customer
perceptions.
Adapt - digital leaders create the story of its
digital transformation on the way to all time
changing better banking build on more
human accessible technology.
Human - Innovation bank builds smart
relationships between human and
technology – in fact the bank disappear from
the view and human is in the middle of
banking universe.
NEW BANKING UNIVERSE
Design
the Future
by Tadeusz Kifner

3. NEW BANKING
Excellence | Perception | Adapt | Human
FOCUS ON CUSTOMER EXPERIENCE
Would you bank here with us?
Design
the Future
by Tadeusz Kifner

4. SUPERCUSTOMER PERCEPTION
S simple (easy)
U ubiquitous (interact in the convenient
way)
P personal (focus on customer)
E empowering (give the power
to customer)
R reassuring (help when needed)
Design
the Future
by Tadeusz Kifner

5. BANKINGNOT JUST BANKS!
Self managed way of access to
banking. Contain all aspects of
personal banking, including
widgets to fintechs & banks.
LAUCHPAD
Unified customer experience
*CX) keep the same. Services
platfrom and channel
independent.
CX SERVICES
Basis of CX services rely on
common APIs and SOA
concept. IT as commodity.
IT SYSTEMS
Design
the Future
by Tadeusz Kifner

6. LAUCHPAD
EASEY & UNIFY ACCESS TO
BANKING SERVICES
All channel integration - same
secure view in media, social &
traditional channels
Flexible Layout - individualizing
customer view
Account Banking Framework -
common banking functions
Universal connectivity - banking-
addons to business, unify
cusotmer perception
Life Assistant - live AI help,
automate everyday banking
Social banking & collaboration
Design
the Future
by Tadeusz Kifner

7. CX SERVICES
IINTEGRATION
SERVICES
SSECURITY SERVICES
CCONTENT SERVICES
PPERSONALIZATION
SERVICES
Design
the Future
by Tadeusz Kifner

8. EXCEPTIONAL
BANKING
EXPERIENCE
HUMANITY IN
BANKING SERVICES
FUTURE
there will be human particle in everyday banking. Technology will shift from devices related IT
environment to the real world. Technology will be invisible. Banking services will assist customer. They
will think on behalf of customer. Banking will be dynamic not static - life streaming...
Banking? YES. Banks? not necessarily...
Design
the Future
by Tadeusz Kifner

9. DESIGN THE FUTURE OF BANKING
tadeusz.kifner@kulturait.pl
CONTACT US
Design
the Future
by Tadeusz Kifner