Trends in Retail Banking

Transcription

Trends in Retail Banking
copyright Tourismus Salzburg GmbH
Reinhard Rabenstein
CTO and Head of Corporate Marketing
the Executive
Board
© Member
Wincor Nixdorfof
International
GmbH
Wincor Nixdorf International
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Our customers can rely on our proven track
record of innovations
1st Mover
SBS TALKS 2013 | SALZBURG, AUSTRIA | JUNE 10TH & 11TH 2013 |
© Wincor Nixdorf International GmbH
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Trends and innovations
In the retail banking industry
Convergence of retail
and banking
Optimized cash
handling
Real multi-channel
Customized
self service
New payment
models
Everything:
anytime, anywhere
In the end user environment
Multi-touch
interfaces
Social media
influence
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SBS Talks 2013
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Trends in Retail and Banking
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Implementing a Multi-Channel Architecture
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Cash Management Solutions
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Security Innovations
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Revolution in Payment
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Global Banking Trends
Key Investment Areas
Cash Cycle
Management
Solution
Mobile
Services
Branch
renewal
Netcentric multichannel & multivendor solution
Trends in
the global
banking
market
Business
process
optimization
SBS
5 TALKS 2013 | SALZBURG, AUSTRIA | JUNE 10TH & 11TH 2013 |
Improve
Customer loyalty
& CRM
Cash
Management &
Monitoring
Security and
fraud
protection
Consolidation/
Reorganization
Payment Server
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SBS Talks 2013
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2
3
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5
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Retail Banking Solution Suite
ProClassic/Enterprise - Multichannel Integration Platform
Core Banking
PC/E
MultichannelPlatform
Accounts
Self
Service
Risk
Assist.
Self
Service
Teller
CRM
Mobile
Cash
Channel delivery
…
Monitor
& Report
…
Networks
Cash
Mgt.
Security
Direct
Market
Payment
Srvs
…
Management & Business Enabling
Network
…
Channels
ATM
Branch
SBS7TALKS 2013 | SALZBURG, AUSTRIA | JUNE 10TH & 11TH 2013 |
Internet
Mobile Phone
EFT/POS
?
Call Center
Implementing a multi-channel architecture
Backend Integration
Enterprise Management
360°
Customer View
Business Logic Transformation
Security
Channel Integration
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Positioning in the Retail Banking Domain
PC/E Retail Banking Solution Suite
PC/E
SBS9TALKS 2013 | SALZBURG, AUSTRIA | JUNE 10TH & 11TH 2013 |
PC/E Self-Service
Customer Example – Grupo Santander, Global
The customer
Worldwide network with more than 14.000
branches in over 20 countries
90 Million customers
3 Million stockholders
170.961 employees
>25.000
ATM`s
Project Scope
Integrated transaction platform for 25.000 SelfService systems worldwide
Connection of existing terminals via NDC fat
client connector (e.g. Abbey and Alliance and
Leicester in UK)
Step-wise migration of local solutions to a
unified software-architecture with the option of
local adoptions (multi bank, multi country)
Using PC/E as the innovation platform for
implementing new channel transactions
Customer Benefits
Cost Reduction
In-house transaction processing of Santander debit- and credit-cards
Multi Channel
Integration
Integration of existing Multi-Channel Architecture, which is already used for
branches, call-center and internet banking
Scalability
Step-wise migration of local solutions, flexible enhancement with new
functions
Investment
Protection
Modern and future-safe solution, based on standards, migrating existing
investments i.e. ATM`s, supporting country specific regulations
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PC/E Self-Service
Customer Example – Finanz Informatik
The customer
Process transactions for 440 different Saving
Banks, State Banks and Building Societies.
Managing 131 Million business & private
customer accounts.
5.217 employees.
56,000 ATM’s.
Project Scope
Integration and management of the 56,000
multi-vendor, multi-functional Self Service
device estate.
Renovation and modernization of ATM channel
delivery, management etc.
Consolidation of ATM transaction processing
Centers ( 6 into 1).
Introduction of revenue streams via new
extended Financial Services.
Customer Benefits
Cost Reduction
Consolidation of ATM data centers in to 1 (6 into 1)
Operations &
Management
Simplified administration and software management of complex multivendor, multi-functional estate.
Scalability
Step-wise migration from legacy solutions, enhancing financial and
extended services offering utilizing the PC/E scalable solution architecture.
Investment
Protection
Modern and future-safe solution, based on standards, mitigating
impact from mergers and acquisition activity.
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SBS Talks 2013
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3
4
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Cash Cycle Management™ Solutions
Cash Handling Today
What role does
cash handling
play today?
SBS
13TALKS 2013 | SALZBURG, AUSTRIA | JUNE 10TH & 11TH 2013 |
Cash Handling Today
>300
bn
USD
Annual cost of cash handling
>62
bn
USD
>62
bn
USD
Source: McKinsey Global Payment Map; Studies form national banks, European Payment Council & own analysis of WN
SBS
A Revolution in the industry
CINEO value aspects
The Revolutionary Technology Platform
Intelligent
E2E note storage
concept
One for all –
POS / ATS / ATM
/ CRS
Maximum
potential for
process
optimization
and cost
reduction
Unique
technology
concept for
banking and
retail
High-end reader
technology
High
information
density for
unique cash
management
processes
Best-in-class
note
classification
and fit/unfit
sorting
Platform for
Cash Cycle
Management
Solutions
Secure and
auditable
storage medium
Easy handling –
ATM standard
for all systems
SBS
100% cash
movement
transparency
Connect and automate cash cycles – Tap large productivity
potentials
The only vendor with the same technology for banks and retailers
CASH CENTER
STORE
BRANCH
Cost reduction of >20%
Example: Less handling and
transportation costs
Intelligent security concept
Example: Reduced risk of robberies
SBS
Cash Cycle
Management
Solutions
Added value
Increased transparency
Example: Audit compliance
Optimized processes
Example: Less counting and
transition transactions
Cash Handling Revolution
VIDEO
SBS
Customer Demands
Cost Reduction
Reduced labor time & savings in
cash handling
Less cash stock necessity
Elimination of manual, recurring processes
Transparency
Where is my cash?
Information on cash position and amount
“Real-time" monitoring of complete cash cycle
SBS
Security
Improved employer security
Inventory accuracy
Cash security
Easier security management of processes
Process Optimization
Better deployed store staff
Uncomplicated CiT contracts
Reduced number of software solutions, involved
parties and manual interfaces
Core Elements of the E2E Portfolio
CINEO
Hardware
Consulting
Consulting Methodology
Cash Cycle Optimizer
Intelligent banknote
storage concept
Software
Cash Cycle
Management™
Solutions
Base
Services
E2E Services
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Comprehensive CINEO Portfolio
CINEO
ATM
CINEO C2060
CINEO C2550
CINEO C2070
CINEO C2560
CINEO C2560
CINEO C2590
CINEO drums
CINEO
CRS
CINEO C4060
CINEO D1000
Docking station
CINEO C4040
CINEO C4080/2080
CINEO C4560
CINEO
POS/
ATS
CINEO C6010
CINEO C6020
CINEO C6030
CINEO C6040
CINEO C6050
CINEO
RCM
CINEO cassettes
PayTower 150 CINEO
POS Tower 150 CINEO
CINEO C1020
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Cash Cycle Management™ Solutions @ Shell
Innovative Business Model
Shell / Postbank – The Case
Participants
Service station owner or tenant
Security improvements
Cash flow
Process optimization
Banking
Retail
POS
Consumer
Sponsor Bank
Nationwide cash point network
Improved cash balancing
Shell
Security improvements
Cash flow
Transparency
CiT
New business
Installation of integrated cash recycling at POS
Closed cash handling for cashier
Cash logistic effect through combination of
Retail (cash-in) and Banking (cash-out)
transactions
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SBS Talks 2013
1
2
3
4
5
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Protecting your assets
Do we know what threats are out there ?
Threats? What Threats?
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Holistic and preventive security approach
Intelligent cross-linking of information
Dynamic Security
Institutes Security
& Risk Code of
Practices
Channels
ATM
PoS
Branch
Security &
Risk Code
Correlation
Engine
Industry
Bodies
Inter-/National.
Security
Organizations
International,
National
and Industry
Bodies
Internet
Monitoring &
Management
Holistic Security
Products
and Platform
Services
Real Time
Monitoring,
Card
Movement &
History
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Security Innovation
Optical Security Guard
Portrait
camera
OSG
Optical Security Guard
Card slot camera
Cash slot camera
Perspective of
cash slot camera
Perspective of
card slot camera
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Advanced security with multi-channel approach
Significant reduction of fraud
Optical Security Guard (OSG)
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Protecting you and your customers‘ assets
Security based on knowing and not
guessing.
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SBS Talks 2013
1
2
3
4
5
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Strong value proposition for all parties
The evolution of customer experience
CONSUMER
RETAILER
BANK
Experience new channels
Interaction between Banks / Retailers
and customers to go mobile
Diversification of payment models
Go mobile in-store & in-branch
Bring the POS on a mobile device
Improve cash transaction processes
Enable the employees in banking and
retail to go mobile in their working
environment
Bringing Payment and customer service
together
Bringing customer service, POS and
payment functionalities together on
one device
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Creating new Experiences for
Consumers and Retailers
“Enabler“
Customer Interaction
Shaping shopping experience
Smart Device Mgmt.
Payment Services
App Store
Trading Portal
Multi Wallet Support
Open platform
Vendor independent
Payment community
Demand driven
”Developer Network”
“The Eco-System”
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The solution enabler
Android based tablet
Easy to use interface
Customer service and store administration on
the go
Secure payment
Multiple use cases for Banking and Retail
Open architecture for APP development
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WinStore Developer Network
Large independent developer network
Open Platform
Open access for value applications
Vendor independence
Development influenced by global market
requirements
Demand driven development for every tier
and segment
More freedom for selection
Tailored conditions
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CBA Australia and Wincor Nixdorf provide new
payment eco-system to customers and retailers
SBS
REDEFINING
TALKS 2013
THE
| SALZBURG,
CUSTOMERAUSTRIA
EXPERIENCE
| JUNE
| CIBC
10TH
| NOV,
& 11TH
26TH
2013
2012
| | STRICTLY CONFIDENTIAL
33
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CBA Australia and Wincor Nixdorf provide new
payment eco-system to customers and retailers
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Wincor Nixdorf
A unique value proposition
Most comprehensive Retail Banking portfolio worldwide
Software & Professional Services
Hardware & IT Services
Market leader in net-centric self
service solutions
#2 worldwide in ATM shipments
Integrated multi-channel approach
Market and innovation leader in Cash
Management, Recycling, Intelligent Deposit
Market leader in multivendor software
Move to E-2-E Cash Cycle Solutions
Service Oriented Architecture
Execution, ongoing support, implementation
& rollout capabilities
Worldwide Professional Services
organization
Risk mitigation – two solid partners working
closely together
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- Trends in Retail Banking-
Thanks for your attention!
Your questions
Reinhard Rabenstein
CTO and Head of Corporate Marketing
Member of the Executive Board
37

Trends in Retail Banking

Transcription

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