Beyond Digital

Banking

March, 2019

An Indra company
It's happening…

New players and new

financial models

…before this new paradigm, we are not only talking

about Digital TRANSFORMATION, but Digital Natives

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 Each player can present a 'Digital Business' model
Any type of bank must be 100% digital, but depending on the starting point, there are 3 ways to achieve it

Transformation “Spin Off” IFS Digital

Traditional Business Digital of Traditional Natives:

-Neobanks -Fintech
-Insurers -Insurtech

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 Native Digital Bank creation steps

Design of the “how” “Door opening” and 7x24

Regulations Innovation

Hyperconstruction Cibersecurity
MVP - Agile

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 ¿What characterizes digital natives?
Betting on a complete transformation towards digital

Recognition of Agile and Low Number

the power of Automated of Employees
data Processes
High
technology Better
Low Maturity
Data relationship with
Exploitation customers
Strategy
 OUR MODEL BANK
4 key pillars with a unique differential proposal

Be unique Deliver sharply

Make your client feel The financial business needs to

different remain reliable

Stay simple Grow Fast

Focus on your business and lead Maximize the conversion of

the strategy prospects to reach critical mass
Wilobank - Argentina
Creation “From Scratch” of a 100% Digital Bank in Argentina

Digital Onboarding 100% digital channels

and processes
I become a customer from
my phone ... in less than 5 There are no branches ... all
minutes operations are made on the
cell phone

Inclusive and Security

transparent
Wilobank is approved and
All are accepted without regulated by the Central
exceptions - free service Bank
to the client
 The Iceberg of the Digital Bank Wilobank

Client oriented
Product (App) Banking anywhere, anytime
Banking products Instant and convenient digital
Loans/Deposits/One-Click Cards branches
P2P Payments Customer support 7/24
Lower Fees and commissions
Individual Pricing Promotion
Personalized marketing
Simple and transparent
Educational
UI/UX Focused on the benefits
Minimalist, more attractive
Intuitive navigation
Regulatory environment
Functional
Banking license
Bank regulations

The architecture
Professional team
Trustworthy partners Core banking
Effective business models Reliable and flexible

An Indra company 9
Minsait Digital Value Offer
User Experience Value

Consultancy Regulation Technological Operation and Innovation Smartbranch

Platform processes
Strategy Knowledge of the
Continuous analysis of
Identification, regulation of each Core banking, Ability to promote The link between the
market trends. Creation
product definition, business in different insurance and transformation physical and digital
of new technologies
ideation of new geographies payments. Robust and operations at the pace world
business models, flexible that digital natives
development of need
Business plan

User Experience
Digital Banking

Technological Platform
Digital Marketplace

A Platform capable of responding to the challenges of the market with a complete suite of in-house and third-party
products that offer agility and flexibility, built at a Bottom-Up functional level, allowing an optimized Time-to-Market

An Indra company 11
Digital Banking

Technological platform
Core Banking - Modular platform with functional scope
Channels

Omnichannel
experience
platform Financial
Mobile Banking Mobile Payment Digital On-Boarding terminal
Products & Services
Liabilities Payments Assets Business Banking Cash
- Savings account management
- Transfers - Loans
- Installment - Credit
- Debits
- Checks - Guarantees
Digital Account
- Asset crediting - Goods - Commercial discounts
Buying and Selling
Currency
Conectors & Adaptors

Means of Payments Aditional Stock and Insurance

Services investing
- Issuing (Debit) - Collections
- Acquirer (Debit) - Tax - Remittances - Stocks
- Switch (Card operator) - Seizures - Financing - Funds and
Informational
- Loyalty programs - Letter of credit pensions - Digital
signature
- Ad Hoc operational and
- Accounting - Attribution - IC2 (Contet analytical reports
- People - Tools - Operations Manager) - Calculation engines
- Entities & Offices - Security
- Alerts & Notifications - Product workshop and conditions diary
- Signing Conditions - Auditing - Dashboards

Regulatory Report

An Indra company 12
 Smartbranch

Various spatial configurations, technologies, space designs and models of attention to differentiate yourselves from the rest

Tech Store Social

Hightech & Innovation Retail & Shopping Open & Community

• Agile and unassisted operation • Lounge spaces • Co-working Spaces

• Labs innovation / startups • Shopping areas • Coffee Zones & WiFi

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BBVA, Tech Model

CaixaBank, un Santander,
modelo Store
Social Model

Caixa, Retail Model

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Our Vision

Drive Future Banking

Our vision is articulated in these 3
main value stages Accelerate
CoDesign of the
future

Connect
Promote the customer
Operations with remote centric vision and co-
Ambassador create future projects
(or unassisted) with the client and / or
Activate the community
Facilitate the operation of
Welcome and personalized clients through optimized and
customer interaction agile solutions

Generate an immersive and

personalized onboarding
experience in an innovative space
with targeted messages

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 Onesait Banking Branches
The 3 lines to help you with the transformation of the physical network

Experience Platform Devices

Design of the customer Automated management State-of-the-art devices
journey experience and of the entire network to offer an agile and
the physical space that with monitoring capacity innovative experience
sustains the experience of the experience

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Experience

Experience map
Future

Experience map
Present

01 02 03 04
Appointmet Reception Waiting Attention

Platform

Devices

360 Solution

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