TOP RETAIL BANKING TRENDS: 2020 The Intelligent Bank of the Future BANK Banks are undergoing 360 ⁰ transformation to remain competitive for the future Banks are collaborating with FinTechs to explore point-of-sale ﬁnancing Banks are exploring unsecured consumer lending through digital channels Digital-era workforce preparation has become a top priority Blockchain solutions being used to improve KYC and identity management programs Digital-era workforce preparation has become a top priority 1 Estimated market size of unsecured personal loans in the US by the end of 2019 2 COLLABORATION WITH FINTECHS TRAINING WORKFORCE FOR FUTURE NEW BUSINESS AVENUES EMBRACING TECHNOLOGY INNOVATIONS US$391 billion US$156.3 billion LEVERAGING AI DESIGN THINKING INNOVATIONS FOR RISK COMPLIANCE COLLABORATION WITH REGTECHS Harnessing Deep Customer Insights and Managing Data-Driven Compliance Banks are leveraging AI tocreate a seamless customer onboarding journey Customer Centricity is in focus while designing new solutions Banks are seeking external expertise to manage Risk Banks embrace design thinking Technology innovation is driving banks’ risk-compliance initiatives Collaboration with RegTechs continues to rise Seamless Processes Adoption of innovative technology Adoption of RegTechs Customer Experience Copyright ©2019 Capgemini. All rights reserved. 1. The Financial Brand, “Growth of POS Financing Is Both Threat and Opportunity in Retail Banking,” June 19, 2019, 2. TransUnion, “2019 Predictions: Consumer Credit, Balance and Delinquency Rates,” January 14, 2019, Open X – Creating a Competitive Advantage Banks are leveraging open banking ecosystem to gain competitive advantage COLLABORATION TO CREATE A SHARED MARKETPLACE The shared open-ecosystem marketplace of the future will require players to work collaboratively CONTEXTUAL BANKING Contextual banking empowers banks to provide superior customer experience Collaboration with other players within the Open X ecosystem A contextual, shared data repository to drive highly personalized engagement in real time Open X Ecosystem Seamless exchange of data and resources Expedited product innovation Improved experience for customers OPEN X

US$391 billion US$156.3 billion - Capgemini...onboarding journey Customer Centricity is in focus while designing new solutions Banks are seeking external expertise to manage Risk Banks

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Page 1: US$391 billion US$156.3 billion - Capgemini...onboarding journey Customer Centricity is in focus while designing new solutions Banks are seeking external expertise to manage Risk Banks

TOP RETAIL BANKING TRENDS: 2020

The Intelligent Bank of the Future

BANK

Banks are undergoing 360⁰ transformation to remain competitive for the future

Banks are collaborating with FinTechs to explore point-of-sale financing

Banks are exploring unsecured consumer lending through

digital channels

Digital-era workforce preparation has become a top priority

Blockchain solutions being used to improve KYC and

identity management programs

Digital-era workforce preparation has become a top priority1

Estimated market size of unsecured personal loans

in the US by the end of 20192

COLLABORATION WITH FINTECHS

TRAINING WORKFORCE FOR FUTURE

NEW BUSINESS AVENUES

EMBRACINGTECHNOLOGYINNOVATIONS

US$391 billion US$156.3 billion

LEVERAGING AI DESIGNTHINKING

INNOVATIONS FORRISK COMPLIANCE COLLABORATION

WITH REGTECHS

Harnessing Deep Customer Insights and Managing Data-Driven Compliance

Banks areleveraging AI tocreate a seamless customer onboarding journey

Customer Centricity is in focus while

designing new solutions

Banks are seeking external expertise to

manage Risk

Banks embrace design thinking

Technology innovationis driving banks’ risk-compliance

initiatives

Collaboration with RegTechs continues

to rise

Seam

less

Pro

cess

esA

dopt

ion

of in

nova

tive

chno

logy

Adoption ofR

egTechsC

ustomer

Experience

1. The Financial Brand, “Growth of POS Financing Is Both Threat and Opportunity in Retail Banking,” June 19, 2019,2. TransUnion, “2019 Predictions: Consumer Credit, Balance and Delinquency Rates,” January 14, 2019,

Open X – Creating a Competitive Advantage

Banks are leveraging open banking

ecosystem to gain competitive advantage

COLLABORATION TO CREATE A SHARED MARKETPLACEThe shared open-ecosystemmarketplace of the future will require players to work collaboratively

CONTEXTUAL BANKING

Contextual banking empowers banks to provide superior customer experience

Collaboration withother players

within the Open X ecosystem

A contextual, shared data repository to drive highly

personalized engagement in real time

Open XEcosystem

Seamless exchange ofdata and resources