This document discusses the challenges of operating a digital bank in today's market environment. It notes that the digital market is hyperactive, with new services launching quickly and existing products/technologies easily copied. As a result, prices tend towards zero and users change habits frequently. The document outlines qualities a digital bank should strive for, such as being safe, fast, stable, sustainable, and providing a valuable user experience. It emphasizes the importance of understanding individual user profiles to personalize services and transforming free users into paying customers. Finally, the document proposes a roadmap for creating a fully digital bank through integrating FinTech solutions, social networks, and an agile development process focused on continuous innovation and improvement.

1. DIGITAL
BANKWHAT? HOW?
Version: 1.03
Release: 27 October 2016 / Update: 31 October 2016
PLEASE

2. =DIGITAL
BANK

3. MARKET
DEMAND
CUSTOMERS
SALES
CULTURE
SERVICES
PROCESSES
KPIs
MODEL
ANOTHER
BUSINESS

4. CHALLENGE
OF DIGITAL MARKET
OPEN HIPERACTIVE
EVERYONE CAN LAUNCH ANY
SERVICE QUICKLY AND WITH
LIMITED RESOURCES
SUCCESSFUL PRODUCT OR
TECHNOLOGY BE COPIED BY
ALL PLAYERS IMMEDIATELY
FREE PORTABLE
PRICE TENDS TO BE ZERO AS
EXPANSION AND SCALE COST
ALMOST NOTHING
USERS CHANGE HABITS AND
SEVICE PROVIDERS OFTEN
AND WITHOUT BARRIERS

5. SECURE + ACCESSABLE + ATTRACTIVE
SAFE
FAST
STABLE
SUSTAINABLE
HONEST
RESPONSIBLE
24/7/365
INSTANT
REMOTE
ANYWHERE
ANY PLATFORM
AFFORDABLE
VALUABLE
COMFORTABLE
ENJOYABLE
INTERESTING
POPULAR
Hi-TECH
DEMAND
TO DIGITAL SERVICE

6. USER
PROFILE
CUSTOMER
DISCOVERY
PERSONALIZATION
NEEDS
HABITS
WISH
MOOD
PREFERENCES
BELIEVES
POTENTIAL
SERVICES
CONDITIONS
OPTIONS
SUPPORT
INTERFACE
TOOLS
ADVICES

7. CLIENTS
USERS
SALES –
TRANSFORMING
FREE USERS INTO
THE PAYING
CUSTOMERS

8. PROGRESSIVE
CULTURE
• PASSION TO CREATE NEW VALUE
• ENTERPRENRSHIP ENVIRONMENT
• AGILE DEVELOPMENT PROCESS
PRODUCT
STRATEGY
• VISION OF FUTURE PRODUCT
• CONSISTEN DEVELOPMEN PLAN
• OPENNESS TO INNOVATION
SYSTEM
THINKING
• COMPLEX BUSINESS DESISIONS
• ALL INITIATIVES LINKED TO GOAL
• CONTINUOUS IMPROVEMENT
COMPANY
COMPETENCIES

9. FUTURE
TOMORROW RESOURCES
ALLOCATOR
EMERGENCY FINANCE
PARTNER CLOUD PLATFORM
INTEGRATED
ANYWERE AND
LINKED TO
EVERYTHING
TO MANAGE
ALL ACTIVITIES
DIGITAL
BANK AI TECHNOLOGY
MANAGING ALL
OPERATIONS AND
PROVIDING THE
BEST OPTIONS
DIZITALIZATION AND
AUTOMATION OF
EXISTING SERVICES
ROAD-MAP
FOR DIGITAL BANKING

10. DIGITAL SERVICE
ALL CORPORATE FUNCTIONS
INTEGRATED INTO SINGLE …
R&D SUPPORT
SALES ANALITICSDISTRIBUTION

11. WOW
VIEWS, SHARES AND
POSITIVE REVIEWS
SPEED
BE THE FIRST TO ACQUIRE
THE CRITICAL USER MASS
DIGITAL
KPIs
1 2
34
ATTENTION
VISITS AND TIME
SPENT EACH USER
CONVERSION
HOW OFTEN FREE USERS
BECOME A PAY CUSTOMERS

12. DIGITAL
BANK
=
+ FINTECH
+ SOCIAL NETWORKS
+ GEEK TEAM
+ SYSTEM THINKING
+ PRODUCT STRATEGY
+ AGILE-DEVELOPMENT

13. IVANO
Ph.D., MBA
EXPERTISE
DIGITAL PRODUCTS
AND STRATEGY
COMPETENCIES
R&D, M&A, PLANNING,
PRODUCT OWNER
strivanlab@gmail.com
www.linkedin.com/in/strivan
PARTHERSHIP
CONSULTING, SPEAKER,
OR HEAD OF INNOVATIONS
DIGITAL EXPERT

14. OTHER SLIDES
CLICK PICTURE TO VISIT
BITCOIN FUTURE
HOW IT WORKS AND
CHANGES THE BANKING
BANK FUTURE
INDUSTRY FORECAST
FOR NEXT 100 YEARS

15. CLICK LIKEI SPENT MONTHS DEVELOPING THIS KNOWLEDGE
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