The New Banking

Julio CarvalhoPresales Director @ CA Technologies - LATAM

BANK≠

BANKING

BANK

BANKING

“BANKING is necessary,banks are not..”Bill Gates, 1994

THE SHIFT

PRODUCT

EXPERIENCE

WHERE IT ALL

BEGAN?

Banking Timeline

1200 DC First Retail banks in Greece

1694 First Central Bank in England

1969 First Cash ATM (Sydney,

AUS)

1970 First Telephone Banking

1983 First Online

Banking

1999 First Mobile

Banking

2005 First Fintech Startups Banks?

Today

What banks want?

+Customers

+Assets +Profit

What users want?

Frictionless

P2P Lending

Context Free

Wealth Management

Real-time Advisory

BiometricsCustomization

Instant

BitcoinPay by selfie

No-branches

Some numbers

Millennial Disruption Index(MDI)

• 3 Years• 15 Categories• 200+ Interviews • 10.000+ Respondents

would rather go to the dentist than listen to what banks are saying71%

Are open to switching banks in the next 90 days

1 in 3

would be more excited about a new offering in financial services from Google, Amazon,

Apple, than from their own nationwide bank

73%

“- You need an ATM to get cash!”

“-People need banks to lend money from.”

What to expect?

AI and Algorithms to replace human-driven

tasks

Natural Language Processing (NLP)

Conversation as the new UI

“My dear, here we must run as fast as we can, just to stay in place. And if you wish to go anywhere you must run twice as fast as that.”

― Lewis Carroll, Alice in Wonderland

Thanks

The New BankingJulio CarvalhoPresales Director @ CA Technologies - LATAM