Designing the Digital Bank of the Future
Samenvatting
This book talks about how to exploit business and service design techniques for business advantage in the financial sector. It does so, not through the theory but rather through how to deal with the enduring business issues and by addressing practical problems. The business issues that banks are using this new technology to address are long lasting.
Hence the need to look at:
• how banks exploit the opportunities created by this new technology and
• how the banks will function differently.
These business issues are faced by both established banks and the relatively new Fintech sector. Fintechs have the advantage of being end-to-end designed from the outset but do not have the brand or depth of data available to established players.
In recent times, themes such as digitalization and the agile approach have become key for business success because every company is now a software company. In addition, every bank is now a data management company as well, given the contribution that data makes to the value-adding to financial services.
Central to dealing with all this change is the role of the designer, in both business and service. The design of the business is the means to making success happen and the designer role is, therefore, key to linking strategic intent to practical change. The designer role will be important in the future, as well as the design methods to be used and the business issues to be addressed in the industry.
This book should be used as a guide both for design methods and as a prompt to design out business problems.
Specificaties
Inhoudsopgave
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ENDORSEMENTS VII
INTRODUCTION XIII
SECTION 1 USING THE DESIGN METHOD
1. WHERE DOES THE DESIGNER FIT? 3
2. THE VALUE OF BUSINESS DESIGN IN BANKING 7
3. THE BENEFITS OF GOOD BUSINESS DESIGN IN BANKING 13
4. I THINK BUSINESS DESIGN, THEREFORE I AM 21
5. STRUCTURE FROM CHAOS: BUSINESS DESIGN METHODS AND MODELS 27
6. BUSINESS DESIGN PRINCIPLES FOR THE BANK OF THE FUTURE: CREATING THE FOUNDATIONS FOR SUCCESS 35
7. THE JOURNEY LESS FOLLOWED 41
8. WHAT CAPABILITIES DO BUSINESS DESIGNERS HAVE? 49
9. A FINGER ON THE PULSE: TRACKING DESIGN SUCCESS 57
SECTION 2 APPLYING DESIGN THINKING TO EMERGING AND CURRENT FINANCIAL SERVICES SUBJECTS
10. WE NEED A (NEW) DIGITAL STRATEGY! 67
11. WHAT IS NEW IN DIGITAL BANKING? 73
12.BANKS AND ECOSYSTEMS 81
13.OPEN FAR, OPEN WIDE85
14.BANKS ARE DATA MANAGEMENT ORGANIZATIONS NOW: DATA STRATEGIES IN BANKING 93
15.FOUR WORDS, SOME DATA AND A BIT OF BUSINESS DESIGN 101
16.UNLOCKING THE POWER OF TECHNOLOGY: ENTERPRISE ARCHITECTURES FOR THE BANK OF THE FUTURE 109
17.ASSESSING CURRENT SYSTEMS IN BANKING 117
18.BLOCKCHAIN AND THE BANK OF THE FUTURE: BUILDING A BUSINESS INFRASTRUCTURE OF TRUST 123
19.NOW IT GETS PERSONAL, DESIGNING PERSONALIZATION
IN RETAIL BANKING 129
20.REAL TIME BANKING 137
21.MAY YOU NOT LIVE IN DIFFICULT TIMES 141
22.DESIGNING HOW TO CHALLENGE THE CHALLENGERS: START-UPS IN AN ESTABLISHED BANKING BUSINESS 145
23.BANKING, SUSTAINABILITY, AND BUSINESS DESIGN: A FORCE FOR CHANGE 151
24.WHO WINS AT PAYMENTS WINS AT BANKING! 157
SECTION 3 CASE STUDIES
25.DIGITAL RISK AND THE FUTURE 165
26.SEEING THE WHOLE PICTURE: HOLISTIC RISK MANAGEMENT
IN BANKING 171
27.COMMERCIAL LENDING DONE DIFFERENTLY 175
SECTION 4 CONCLUSION
FURTHER READING AND INFORMATION 187
ABOUT THE AUTHOR 191
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