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Scaling Enterprise Agility amidst Cross Border
Merger
Bangalore – 19 March 2019
Rocky Woestenborghs – Head of Advisory Products
Vaishal Gariwala – Head of IT - Lending
Who do you have in front of you : Rocky Woestenborghs
2
Head of IT for Advisory Products, ING Market Leaders
Rocky Woestenborghs is the heading the IT division of Advisory Products, responsible for ING’s Business Lending,
Consumer loans, Mortgages and investments division for the Netherlands and Belgium.
Rocky comes from a strong technical background and has 18 years’ of IT experience in diverse industries.
The last 12 years he has spent in Banking and worked on multiple different large projects such as core banking
transformations, application renewal, launching of new banking products and services in the market, etc...
Rocky has a strong focus on empowering people and enabling them to grow to better engineers, he combines it
with a pragmatic and down to earth management approach. He has been instrumental in the implementation of the
new way of working incl Agile, Spotify and Dreyfuss model.
ING is a global bank with astrong position in Benelux
3
ING isa global financial institution…
INGisa globalfinancial institution withastrongEuropeanbase, offering
retailandwholesale bankingservices tocustomersin over40countries.The
purposeofING isempoweringpeople tostayastepaheadinlifeandin
business.
52,000+employees 38,4millioncustomers
12,5millionprimary
customers
INGBestBankin theWorld2017
(by Global FinanceMagazine)
NetresultofEUR 5,389
mlnin 2018
Our shared beliefs about the future
People’s time is precious
They don’t want to spend it on finance
We need to empower people to focus on the important
things in life and business
Products have become commoditised
The only way to differentiate is through experience
Instant. Personal. Frictionless. Relevant.
Digitalisation is erasing borders
Customer needs and expectations are converging across
borders
Data determines relevance
We need to leverage internal and external data to provide
new client solutions and remain relevant in a new world
We need to be where the customers are
Frequency of contact will define the depth of customer
relationships
Capital requirements will drive down returns
We need to find new ways to serve customers without
putting everything on our balance sheet
Ability to leverage new technologies will define
future competitive advantage
Blockchain and Artificial Intelligence will structurally
improve efficiency for those able to harness its potential
4
5
One ING experience built on one global foundation
6
Towards one ING experience worldwide
Model Bank in Spain, Italy, France,
Czech Republic, creating one way to
interact with customers.
Unite ING in Belgium and the
Netherlands.
Improve processes, modernise IT
and extend services beyond banking
at ING in Germany.
Unite ING Wholesale Banking to
offer a seamless and consistent
client experience everywhere.
Continue to improve our local
models in Romania, Turkey, Poland,
Australia and Luxembourg.
Unite: We will start with Market Leaders
8
Banking products have become commodities
6
• How to maintain commercial momentum while transforming
• How to avoid the tendency to move back into waterfall approach
• How to manage a large scale transformation over multiple locations
11
Challenges
Title: Head of IT – Lending
Vaishal Gariwala is heading the IT division of Lending, responsible for ING’s Consumer
Lending and Business Lending portfolios. Vaishal in his capacity is responsible to bring
digitization and end to end journeys to ING Lending to but not limited to Private Individuals,
One man company & Micro Companies, Small Medium Enterprises, Mid-Corporates, Private
Banking, Personal Banking and Wealth Management customers.
Vaishal comes from a strong technical background and has worked on multiple different
product based companies in his career. Vaishal also works very closely with Lending Tribe
Leads and his other colleagues to bring the best of an Agile Organization. He has been one
of the instrumental force, to implement Omnichannel Lending Journeys and also building
business and IT organization together.
Vaishal is focused on leveraging technologies such as Front-End Technologies, Cloud, Pega,
Infrastructure Management and Analytics to support business users. He is an advocate for
building software that makes the underlying technology transparent and serves the needs of
the business.
12
Who do you have in front of you: Vaishal Gariwala
Tribe Lending
4 building blocks and 2 prerequisites
13
+
Instant lending solution (easy lending)
Complex lending solution
Proactive feedback to customers about their
financial performance, benchmark, risk signals, etc.
Effortless self-service of In life Management needs
Safe and Compliant Bank
Excellent customer experience
Banking products have become commodities
6
Business and IT Transformation
Cultural Transformation
•As part of scaled agility and growing the squad
across the borders we now have squads that
delivered our core Unite values across 3 borders.
•We have Cross Border Squads, Cross Border IT
Areas and Cross border Tribes.
Business & Technical
Transformation
•Engineering theme based on Dreyfus model
•Supported by our SSI partners
•Platform Transformation
•Cutting Edge technology enabling us in modular
Mindset Transformation
•Inclusiveness of all the colleagues under one Tribe
•Scaling teams to distributed agile model to India,
Poland and Romania to facilitate global delivery.
•Creating families and doing multiple team scrums
•Continuously improving and restructuring
organization within the Tribe.
15
To succeed we have to collaborate
16
Follow us to stay a step ahead
ING.com
YouTube.com/ING
SlideShare.net/ING@ING_News LinkedIn.com/company/ING
Flickr.com/INGGroupFacebook.com/ING

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Scaling Enterprise Agility amidst Cross Border Merger by Rocky Woestenborghs at #AgileIndia2019

  • 1. Scaling Enterprise Agility amidst Cross Border Merger Bangalore – 19 March 2019 Rocky Woestenborghs – Head of Advisory Products Vaishal Gariwala – Head of IT - Lending
  • 2. Who do you have in front of you : Rocky Woestenborghs 2 Head of IT for Advisory Products, ING Market Leaders Rocky Woestenborghs is the heading the IT division of Advisory Products, responsible for ING’s Business Lending, Consumer loans, Mortgages and investments division for the Netherlands and Belgium. Rocky comes from a strong technical background and has 18 years’ of IT experience in diverse industries. The last 12 years he has spent in Banking and worked on multiple different large projects such as core banking transformations, application renewal, launching of new banking products and services in the market, etc... Rocky has a strong focus on empowering people and enabling them to grow to better engineers, he combines it with a pragmatic and down to earth management approach. He has been instrumental in the implementation of the new way of working incl Agile, Spotify and Dreyfuss model.
  • 3. ING is a global bank with astrong position in Benelux 3 ING isa global financial institution… INGisa globalfinancial institution withastrongEuropeanbase, offering retailandwholesale bankingservices tocustomersin over40countries.The purposeofING isempoweringpeople tostayastepaheadinlifeandin business. 52,000+employees 38,4millioncustomers 12,5millionprimary customers INGBestBankin theWorld2017 (by Global FinanceMagazine) NetresultofEUR 5,389 mlnin 2018
  • 4. Our shared beliefs about the future People’s time is precious They don’t want to spend it on finance We need to empower people to focus on the important things in life and business Products have become commoditised The only way to differentiate is through experience Instant. Personal. Frictionless. Relevant. Digitalisation is erasing borders Customer needs and expectations are converging across borders Data determines relevance We need to leverage internal and external data to provide new client solutions and remain relevant in a new world We need to be where the customers are Frequency of contact will define the depth of customer relationships Capital requirements will drive down returns We need to find new ways to serve customers without putting everything on our balance sheet Ability to leverage new technologies will define future competitive advantage Blockchain and Artificial Intelligence will structurally improve efficiency for those able to harness its potential 4
  • 5. 5 One ING experience built on one global foundation
  • 6. 6 Towards one ING experience worldwide Model Bank in Spain, Italy, France, Czech Republic, creating one way to interact with customers. Unite ING in Belgium and the Netherlands. Improve processes, modernise IT and extend services beyond banking at ING in Germany. Unite ING Wholesale Banking to offer a seamless and consistent client experience everywhere. Continue to improve our local models in Romania, Turkey, Poland, Australia and Luxembourg.
  • 7. Unite: We will start with Market Leaders
  • 8. 8
  • 9. Banking products have become commodities 6
  • 10.
  • 11. • How to maintain commercial momentum while transforming • How to avoid the tendency to move back into waterfall approach • How to manage a large scale transformation over multiple locations 11 Challenges
  • 12. Title: Head of IT – Lending Vaishal Gariwala is heading the IT division of Lending, responsible for ING’s Consumer Lending and Business Lending portfolios. Vaishal in his capacity is responsible to bring digitization and end to end journeys to ING Lending to but not limited to Private Individuals, One man company & Micro Companies, Small Medium Enterprises, Mid-Corporates, Private Banking, Personal Banking and Wealth Management customers. Vaishal comes from a strong technical background and has worked on multiple different product based companies in his career. Vaishal also works very closely with Lending Tribe Leads and his other colleagues to bring the best of an Agile Organization. He has been one of the instrumental force, to implement Omnichannel Lending Journeys and also building business and IT organization together. Vaishal is focused on leveraging technologies such as Front-End Technologies, Cloud, Pega, Infrastructure Management and Analytics to support business users. He is an advocate for building software that makes the underlying technology transparent and serves the needs of the business. 12 Who do you have in front of you: Vaishal Gariwala
  • 13. Tribe Lending 4 building blocks and 2 prerequisites 13 + Instant lending solution (easy lending) Complex lending solution Proactive feedback to customers about their financial performance, benchmark, risk signals, etc. Effortless self-service of In life Management needs Safe and Compliant Bank Excellent customer experience
  • 14. Banking products have become commodities 6
  • 15. Business and IT Transformation Cultural Transformation •As part of scaled agility and growing the squad across the borders we now have squads that delivered our core Unite values across 3 borders. •We have Cross Border Squads, Cross Border IT Areas and Cross border Tribes. Business & Technical Transformation •Engineering theme based on Dreyfus model •Supported by our SSI partners •Platform Transformation •Cutting Edge technology enabling us in modular Mindset Transformation •Inclusiveness of all the colleagues under one Tribe •Scaling teams to distributed agile model to India, Poland and Romania to facilitate global delivery. •Creating families and doing multiple team scrums •Continuously improving and restructuring organization within the Tribe. 15
  • 16. To succeed we have to collaborate 16
  • 17. Follow us to stay a step ahead ING.com YouTube.com/ING SlideShare.net/ING@ING_News LinkedIn.com/company/ING Flickr.com/INGGroupFacebook.com/ING

Editor's Notes

  1. To create one user experience we have to unite To create one user experience for all 38 million customers we have to be one ING. Having the same app in all our countries will already be a step forward. Yes, there will always be local language and onboarding differences. But we are moving from the old ING where every market did its own thing, to building an ING that’s the same in every market. This means having the same processes everywhere, the same products. The same approach to data, the same IT infrastructure. Building one single global foundation that’s the same everywhere. To become one brand… one love brand. And remember, this is not new to us. In Wholesale Banking we started this seven, eight years ago.
  2. We’re uniting units that are similar, as an intermediate step toward offering one experience worldwide In some markets, we’re going further. In these markets, we’ll standardise the way we interact with customers. In Belgium and the Netherlands, the Unite be+nl programme means one bank across two countries. What we do here with customers and what we provide will be exactly the same in both places. This also means giving up some of the things we used to do, it means doing things differently and doing new things. It’s the same with Model Bank. Our digital banks in France, Spain, Italy, Austria, Czech Republic will become one bank, with one set of systems, one way to interact with customers. Along with Welcome in Germany and WTOM in Wholesale Banking, these programmes are helping to create one global bank. These are the first steps towards ultimately offering one ING experience everywhere. We’re experimenting with different types of platforms to bring us closer to our goal.
  3. And we have a very ambitious goal on our own. Although we are part of a bigger transformation, we focus on what we need to deliver. We are working on joining our forces to deliver the same best-in-class experience for all our customers, with 1 harmonised business model, and 1 integrated omni-channel bank, serving over 11 million customers across 2 countries on 1 shared platform.
  4. One Vision (Clear top down priorities, migrate then upgrade) One Target Value Proposition (pain in the “old bank” ) One way of working (based on Agile principles) One Delivery Organization (based on Spotify model) One Platform (ING Private Cloud, TPA, etc….) The only way to stand out from the competition is to offer people a better experience For our strategy to have meaning it must be grounded in reality. Constant change is a given. It’s up to us to decide whether to treat this as a threat or as an opportunity. Let’s look at some of the realities we’re facing: We can’t continue to grow by having more and more different products. Because banking products have become commodities – there’s no real difference between the features of one savings or current account and another. Products are even more commoditized than we expected. The only way to stand out from competitors is by offering people a better experience. A differentiating customer experience.
  5. We will migrate our Belgian customers in 2 steps. The majority will be migrated by 26 May 2020. This includes our retail customers that account for 85% of our customers. The remaining customers will be migrated in 2022.
  6. One Vision (Clear top down priorities, migrate then upgrade) One Target Value Proposition (pain in the “old bank” ) One way of working (based on Agile principles) One Delivery Organization (based on Spotify model) One Platform (ING Private Cloud, TPA, etc….) The only way to stand out from the competition is to offer people a better experience For our strategy to have meaning it must be grounded in reality. Constant change is a given. It’s up to us to decide whether to treat this as a threat or as an opportunity. Let’s look at some of the realities we’re facing: We can’t continue to grow by having more and more different products. Because banking products have become commodities – there’s no real difference between the features of one savings or current account and another. Products are even more commoditized than we expected. The only way to stand out from competitors is by offering people a better experience. A differentiating customer experience.
  7. Difference between multiple team scrum and multiple scrum teams. One Vision (Clear top down priorities, migrate then upgrade) One Target Value Proposition (pain in the “old bank” ) One way of working (based on Agile principles) One Delivery Organization (based on Spotify model) One Platform (ING Private Cloud, TPA, etc….) 6. Multiple team scrum 7. Scale and distributed agile across NL, BE and INDIA How to maintain commercial momentum while transforming How to avoid the tendency to move back into waterfall approach How to manage a large scale transformation over multiple locations
  8. One Vision (Clear top down priorities, migrate then upgrade) One Target Value Proposition (pain in the “old bank” ) One way of working (based on Agile principles) One Delivery Organization (based on Spotify model) based on scaled and distributed agile. One Platform (ING Private Cloud, TPA, etc….)