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Erste Group Bank AG George – Erste way of innovation © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG Martin Kobza Head of Digital Group Retail & IT Erste Group Bank AG Founded in 1819 7 countries across CEE 16 million customers 47 t employees © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG Simplicity Create in digital value with experience information © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG Customer Attention Span Page 8 seconds Promotion 3 seconds Goldfish 9 seconds Be Relevant © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG CZ Borderless digital user experience SK AT HU © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG ERSTE Group Market. Cap. € 16,7 B CEE Countries 7 Customers 16 M NOBODY 6 © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG The genesis of George 2012 Rethinking Online Banking Focus: Austria, Retail Banking Challenges: •Independent “Start-up” •Non-Banking experience •Small and Focus •Design led © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG SET-UP Bee One #MIX #OUTSIDE-IN #CHALLENGE © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG Reflection 168 Best banking on the market? 141 27 02% 98% Less than 1/3 © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG Financial literacy through design thinking ♀ H&M ♂ PayPal © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG Smart transaction overview. © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG a lot of Intelligence © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG & Plug-in Ecosystem © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG Mauricio Poletto Head of Design & Director of BeeOne © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG The genesis of George 2012 2015 Rethinking Market validation Online Banking (Austria) Focus: Focus: Austria, Retail Banking Minimum Viable product, Dynamic Iteration, Challenges: Challenges: •Independent “Start-up” •Integration to the bank •Non-Banking experience •Team scaling 20->200 •Small and Focus •API Architecture •Design led •Scalability and Stability © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG Biggest Java Script Implementation in CEE George Ecosystem State of the art architecture GEORGE APIs ELASTIC SEARCH CLUSTER Central ecosystem plugged Group Login & on top of heterogeneous APIs Authorisations COUNTRY ADAPTER banks. Bank Partner Bank Systems Cenral Components © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG George Impact Before After © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG The genesis of George 2012 2015 2017 Rethinking Market validation Scaling to Online Banking (Austria) Erste Group Focus: Focus: Focus: Austria, Retail Banking Minimum Viable product, Czech Republic, Dynamic Iteration, Slovakia, Romania Challenges: Challenges: Challenges: •Independent “Start-up” •Integration to the bank •One Core product in multiple •Non-Banking experience •Team scaling countries •Small and Focus •API Architecture •One brand and one •Design led •Scalability and Stability communication strategy © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG Scale cross-border 2015-2016 2017 2018 2019 Austria Czech Republic Slovakia Romania Croatia Serbia Hungary © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG Sales in the Genes Cross-platform Store Designed for context campaigns up to 12 parallel Products / Plug-ins 23 © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG The genesis of George 2012 2015 2017 2019 Rethinking Market validation Scaling to PSD2 & Opening Online Banking (Austria) Erste Group to Fintech Focus: Focus: Focus: Focus: Austria, Retail Banking Minimum Viable product, Czech Republic, Plugin architecture with Dynamic Iteration, Slovakia, Romania external partners Beyond banking ecosystem Challenges: Challenges: Challenges: Challenges: •Independent “Start-up” •Integration to the bank •One Core product in •Open Architecture •Non-Banking experience •Team scaling multiple countries •Distributed development •Small and Focus •API Architecture •One brand and one •3rd parties and fintech •Design led •Scalability and Stability communication strategy •Beyond banking aggregation © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG Plug-in Concept Open FE ecosystem © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG George Ecosystem - Gate to the CEE Partners & Fintech 65 M inhabitants 16 M Erste Customers 7 Countries © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG Thank you © 2018 Erste Group Bank AG /BeeOne GmbH — Do not share, copy or use without explicit permission — All features and design patterns are copyright of BeeOne GmbH and Erste Group Bank AG.
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