2. Платежные технологии – тренды отрасли Максим Тамбиев, Региональный директор 14 апреля 2016

3. Bill Gates: “Banking is necessary, banks are not”

4. © 2016 Forrester Research, Inc. Reproduction Prohibited 4 Герман Греф:“Главные наши конкуренты – это Google, Amazon и Facebook”

5. Banks are not blockbuster... but the long- term threats will be no less real or powerful.

6. “We’ve been wrong about what our job is in medicine... we think our job is to ensure health and survival. But really, it is larger than that. It is to enable well-being.” — Atul Gawande

7. © 2016 Forrester Research, Inc. Reproduction Prohibited 7 To enable financial well-being Using a twist on this offers a (potential) vision for the future of banking

8. © 2016 Forrester Research, Inc. Reproduction Prohibited 8 Between 1993 and 2000, over 200 new payments systems were launched worldwide. Only one — PayPal — made the big time. In December 2015, AngelList catalogued 2,002 startups for payments alone.

9. © 2016 Forrester Research, Inc. Reproduction Prohibited 9 Change In Payments Is Hard 1.A payment is an emotional thing 2.Payment systems have a complex value chain 3.Payment systems rely on trust

10. To be successful payment system must: 1.Offer a better alternative; 2.Drive adoption to reach scale; 3.Enable a sustainable business model for all parties

11. © 2016 Forrester Research, Inc. Reproduction Prohibited 11 Deliver a better alternative

12. © 2016 Forrester Research, Inc. Reproduction Prohibited 12 Drive a virtuous circle of adoption

13. © 2016 Forrester Research, Inc. Reproduction Prohibited 13 Enable a viable business model and collaboration across all partners

14. © 2016 Forrester Research, Inc. Reproduction Prohibited 14 Recommendations Станьте ежиками!

15. © 2016 Forrester Research, Inc. Reproduction Prohibited 15 Recommendations 1 Put in place an iterative approach to digital banking strategy and initiatives. Think "minimum viable payments." Testing, measuring, and learning are far more important than any org structure or strategy.

16. © 2016 Forrester Research, Inc. Reproduction Prohibited 16 Recommendations 2 Refocus on building dynamic ecosystems of value for bank customers.

17. Focus energy on spotting success, and consider participating or partnering.

18. © 2016 Forrester Research, Inc. Reproduction Prohibited 18 APIs and open platforms will take center stage and enable integration with partners

19. © 2016 Forrester Research, Inc. Reproduction Prohibited 19 Partnerships and partnerships once again › Industry bodies look to harmonise ISO 20022 real-time payment implementation › Swiss banks and SIX plan national mobile payments platform › Swift payments innovation initiative gains ground as 45 banks sign up

20. Thank you forrester.com Maxim Tambiev +7 903 743 3842 mtambiev@forrester.com

21. © 2016 Forrester Research, Inc. Reproduction Prohibited 21 Recommended Forrester Research › February 8, 2016, “How To Make New Payment Systems Successful”“How To Make New Payment Systems Successful” › November 10, 2015, “Predictions 2016: Financial Services Execs Wake Up To Digital Transformation”Predictions 2016: Financial Services Execs Wake Up To Digital Transformation › August 14, 2015, “CX Industry Spotlight: Retail Banking”CX Industry Spotlight: Retail Banking › March 31, 2015, “What Banks Can Learn From Retailers' Websites”What Banks Can Learn From Retailers' Websites › February 2, 2015, “The Mobile Banking Imperative”The Mobile Banking Imperative › November 6, 2014, “Predictions 2015: Digital Banking Teams Finally Get Serious About Innovation”Predictions 2015: Digital Banking Teams Finally Get Serious About Innovation