1. Digital marketplace (WagaMarket), eBanking
Vasa Segrt, Matej Kurent
Belgrade, 23rd March 2016

2. 01 02 03 04 Bank as Digital Ecosystem
Agenda
Bank as Digital Ecosystem
WagaMarket – Digital Ecosystem Enabling Platform
Digital Marketplaces in Financial Services Industry: Samples
Our suggested approach 01 02 03 04

3. Bank as Digital Ecosystem01
Bank as Digital Ecosystem

4. Bank as Digital Ecosystem
Becoming the indispensable “everyday” bank
Banks must switch from occasional interactions with customers into ecosystem, where customers are being imbedded into their digital lives with daily interactions
How? With developing digital ecosystems with partners, merchants, suppliers, SME, telcos to deliver new digital products and services and putting the bank at the center of the customer experience

5. Bank as Digital Ecosystem
Banks as “customer centric” ecosystems
Banks are transforming themselves into a digital platform-based banking ecosystem in order to stand up to the new market players from the technology-driven, non-bank sector with their own strategies.
The outcome is a digital, convenient and secure financial platform for the customer with personalized services, also from third-party providers.
VARIOUS INDUSTRIES AND SERVICES
Create new markets in business areas that offer great synergies with finance services business - becoming a leader of digital revolution.
Create new values through innovation
CREATE NEW MARKETS
Create new values and markets in collaboration with alliance partners.
BANK
(Financial services API’s)

6. WagaMarket - Digital Ecosystem platform02
WagaMarket - Digital Ecosystem platform

7. WagaMarket – Digital Ecosystem Plarform
WAGAmarket is NFG’s proven digital business enabling platform with a full application/services suite for business end-customers.
With WAGAmarket we enable our clients to offer a full suite of services to their end-customers in just a few months, driving their market differentiation, customer revenues and customer loyalty.
WAGAmarket ensures instant cross industries partnering and continuing flow of new services and products to the market. Services and partners can be pick-up from our existing Product catalogue or selected by our clients.
We have the biggest end-customer reach in CE and Russia.
Reaching more than 150 million end-customers over 3 industries!

8. WagaMarket – Architecture
DIGITAL BUSINESS ENABLER PLATFORM
- Architecture
E N D C U S T O M E R’ s
Digital Campaigning
Digital Channels
Digital Content
PRODUCT CATALOGUE
(PRODUCT CONFIGURATION)
PARTNER MANAGMENT
DIGITAL MARKETING
CONTENT MANAGEMENT
PORTAL CONFIGURATION
PROCESS MANAGMENT
ENTERPRISE SERVICE BUS
B A N K (employees)
P A R T N E R S
3rd PARTY CONNECTORS
APIs
PARTNER INTERFACE
GUI
PARTNER INTERFACE
GUI
B A N K (systems)
APIs

9. WagaMarket – Architecture
WagaMarket connects stakeholders to create new market opportunities
PARTNERS / INDUSTRIES
OUR
CLIENTS
(ANY INDUSTRY)
CLOUD
PROFESSIONAL
FIN TECH
HOME APPLIANCE
GOODS …
FINANCIAL
HEALTH
ENERGY
INSURANCE
GOVERNMENT
CREATING NEW MARKET OPPORTUNITIES
CLOUD SERVICES
PROFESSIONAL SERVICES
M2M, DEVICES
BUSINESS ADVANCE SERVICES
FIN-TECH PARTNERING
DIGITAL BANK
CONNECTING INDUSTRIES ICT
COUPONS
ENERGY PERFORMANCE CONTRACTING
PROFESSIONAL SERVICES
CONNECTING INDUSTRIES FINANCE
HYBRID SPACE
NEXT IDEA …
CLIENT UNIQUE SALES PREPOSITIONS & USE CASES

10. WagaMarket is automatic online provisioning platform for partner services......
Support optimization and improvement of your current online business.
Nurture loyalty among your customers.
Manage content.
Support push initiatives and online campaigns.
Individual product & service definition (catalogue)
Products/Services e.g:
Financial Services
ICT Services
Marketplace
Other Non-Financial Services
FYI - neke od naših Telco referenca:
Dasreda.ru

11. WagaMarket (example)
Supports and enhance your
digital initiatives

12. Compelling digital interfaces drive customer involvement and loyalty
Why WagaMarket
WagaMarket as enabler for new revenue streams and significantly increased customer interactions
Banks can become a value aggregator, an access facilitator and an advice provider = positioning the bank at the center of the customer digital experience.
New revenue stream
Using the value of information !
Low risk, fully automatized platform (+automated provisioning)
Costs predictability
Enhanced customer knowledge and deepening customer relationship – loyalty!
Increase customer base and customer interactions
Compelling digital interfaces drive customer involvement and loyalty

13. Features and benefits Simple Out of the box and bundled solutions
Why WagaMarket
Features and benefits
Simple
Out of the box and bundled solutions
Fast and easy to implement
Automatic provisioning
WAGA enables bank’s customers to manage their finances, execute a marketing campaign, or develop a business plan
WAGA is not “only a product” – it is technology enabler, it is a platform which enables the bank to follow its business objectives -
Impact
Complexity +

14. more than 100 services available to choose from
Product Catalogue
SERVICE AND APPLICATION PROVIDERS:
more than 100 services available to choose from

15. Digital Marketplace in FSI : Samples03
Digital Marketplace in FSI : Samples

16. Digital Marketplace Samples
“My Business Connect” by St. George’s bank offer platform with Applications bundles for SMEs
“St. George is a huge supporter of small businesses. We work with over 300,000 small businesses locally and understand the daily pressures they face. To help our small business customers grow, we provide the most compelling startup proposition in the market place.”
Chris Screen, Head of SME banking

17. Digital Marketplace Samples
AIB (Allied Irish Bank)
“Our research shows that nearly one in two SMEs would feel more engaged with their bank if they provided tools and services to help them run their businesses”, Tom Davies, Head of Strategic Partnerships

18. Digital Marketplace Samples
Deutsche Bank
db Impresa eXtra :
offers SME a wide range of high standard non-banking services and software solutions, designed to support and enhance business activities
portal responds to Deutsche Bank’s business customers’ needs, with a unique user experience optimized for any digital device.

19. Digital Marketplace Samples
SmartBuy by HDFC bank
Source:

20. Our suggested approach04
Our suggested approach

21. Objectives and expectations Business and technical requirements
Suggested approach
Objectives and expectations
Business and technical requirements
Technical workshop: Quick analysis of your current strategy and activities in the context of digital, detailed project scoping document 1
Scoping/Technical Workshop
Effective 2-3 days management workshop leading to rapid definition and alignment of management team around digital vision to be achieved and digital initiatives to be pursued 2
Effective and Interactive Digital Strategy Workshop 3
Post-Workshop Digital Strategy Definition
Rapid post-Digital Strategy Workshop follow-up converting workshop results into a digital strategy that can be led into rapid prototyping and implementation (taking cca. 3 weeks)
Presentation of final results and Erste’s digital strategy proposal

22. Shaping Future Delivering Results