1. Branch Opportunity – Branchless or Less Branches? by Shahzad Ishaq

3. Pre- 1970s 1970s 1980s 1990s 2000s Mail Banking & Teller Platform ATM Telephone Banking Online Banking & Call Centers Mobile Banking Multifunction ATMs Smartcards Internet Banking Video Kiosk Bank Branch Evolution

4. Future Financial Landscape: 7 Defining Forces (C) 2015 Bank Alfalah Limited

5. Changing Demographics

6. 89% of 18-29 band Networking effect 51% say social opinions influence 46% “count on social media” when buying online (C) 2015 Bank Alfalah Limited Social Trends

7. Developed Nations Growing physical footprint Regulations comparatively less strict Younger population, rising individual life expectancy Rapid credit growth Emerging Markets (C) 2015 Bank Alfalah Limited 20-25% fewer branches by 2025 Well established sector, efficient, strictly regulated Ageing population, focus towards savings and investment Increasing fee-based revenues. Economic Shift

8. (C) 2015 Bank Alfalah Limited Technological Shift

9. (C) 2015 Bank Alfalah Limited Emerging Competition

10. Regulatory Activism Banks and regulators will have to embrace technology-driven innovation Emerging needs for records digitization (C) 2015 Bank Alfalah Limited Regulatory Oversight

11. Brand matters Online security & privacy protection secure digital framework (C) 2015 Bank Alfalah Limited Security & Trust

12. Will There Be A Role For Bank Branches In The Future?

14. Thank You

15. 1.Dougherty, Jim. “Infographic: Everything You Wanted to Know About Millenials but Were Afraid to Ask”. Leaderswest Digital Marketing Journal. Published December 2014, http://leaderswest.com/2014/01/21/infographic-everything-you- wanted-to-know-about-millennials-but-were-afraid-to-ask/, Accessed 29 th April, 2015http://leaderswest.com/2014/01/21/infographic-everything-you- wanted-to-know-about-millennials-but-were-afraid-to-ask/ 2.Dougherty, Jim. “Infographic: Everything You Wanted to Know About Millenials but Were Afraid to Ask”. Leaderswest Digital Marketing Journal. http://leaderswest.com/2014/01/21/infographic-everything-you-wanted-to-know-about- millennials-but-were-afraid-to-ask/, Accessed 29 th April, 2015http://leaderswest.com/2014/01/21/infographic-everything-you-wanted-to-know-about- millennials-but-were-afraid-to-ask/ 3.Bullas, Jeff. “22 Social Media Facts and Statistics You Should Know in 2014”. Jeff Bullas.com. http://www.jeffbullas.com/2014/01/17/20-social-media-facts-and-statistics-you-should-know-in-2014/, Accessed 28 th April, 2015 http://www.jeffbullas.com/2014/01/17/20-social-media-facts-and-statistics-you-should-know-in-2014/ 4.PWC. “Retail Banking 2020 Evolution or Revolution?”. Pwc.com, http://www.pwc.com/et_EE/EE/publications/assets/pub/pwc-retail-banking-2020-evolution-or-revolution.pdf, Accessed 25 th April, 2015 http://www.pwc.com/et_EE/EE/publications/assets/pub/pwc-retail-banking-2020-evolution-or-revolution.pdf 5.Rifkin, Adam. “Something interesting is happening. ~Tom Goodwin on Uber, Facebook, Alibaba, and Airbnb”. PandaWhale., http://pandawhale.com/post/61574/something-interesting-is-happening-tom-goodwin-on-uber-facebook- alibaba-and-airbnb, Accessed 20 April, 2015http://pandawhale.com/post/61574/something-interesting-is-happening-tom-goodwin-on-uber-facebook- alibaba-and-airbnb 6.“Mobile payment billing methods used in the United States 2014”. Statista. Statista 2015. http://www.statista.com/statistics/244296/mobile-payment-billing-methods-used-by-us-users/, Accessed 23 rd April 2015 http://www.statista.com/statistics/244296/mobile-payment-billing-methods-used-by-us-users/ 7.“For Banks, 2014 Was a Year of Big Penalties” http://www.wsj.com/articles/no-more-regulatory-nice-guy-for-banks- 1419957394, Accessed 12 May 2015“” http://www.wsj.com/articles/no-more-regulatory-nice-guy-for-banks- 1419957394 (C) 2015 Bank Alfalah Limited Bibliography

16. Back-up Slide

17. (C) 2015 Bank Alfalah Limited Mobile Apps Touch Screen Walls Customer Hub and Spoke Kiosks Smart ATM Virtual Banker Credit Center Video Conferencing

18. (C) 2015 Bank Alfalah Limited Advent of Digital Bank Personalization of services & interactions increase as banking has evolved