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Douglas Blakey Speaks to the Ceo of Monitise

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April 2016 Issue 724 www.retailbankerinternational.com CANDID CAMERON DOUGLAS BLAKEY SPEAKS TO THE CEO OF MONITISE ● STRATEGY: Ceska Sporitelna ● MARKETING: The Facebook Top 100 ● DISTRIBUTION: MUFG Union Bank ● ANALYSIS: Myanmar RBI 724.indd 1 04/04/2016 10:13:00 Multichannel digital solutions for fi nancial services providers To fi nd out more about us please visit: www.intelligentenvironments.com Intelligent Environments is an international provider of innovative mobile and online solutions for fi nancial services providers. Our mission is to enable our clients to always stay close to their own customers. We do this through Interact®, our single software platform, which enables secure customer acquisition, engagement, transactions and servicing across any mobile and online channel and device. Today these are predominantly focused on smartphones, PCs and tablets. However Interact® will support other devices, if and when they become mainstream. We provide a more viable option to internally developed technology, enabling our clients with a fast route to market whilst providing the expertise to manage the complexity of multiple channels, devices and operating systems. Interact® is a continuously evolving technology that ensures our clients keep pace with the fast moving digital landscape. We are immensely proud of our achievements, in relation to our innovation, our thought leadership, our industrywide recognition, our demonstrable product differentiation, the diversity of our client base, and the calibre of our partners. For many years we have been the digital heart of a diverse range of fi nancial services providers including Atom Bank, Generali Wealth Management, HRG, Ikano Retail Finance, Lloyds Banking Group and Think Money Group. IE RBI final design.indd 1 17/09/2015 11:21:32 Retail Banker International COMMENT: EDITOR’S LETTER CONTENTS 2 STRATEGY: CESKÁ SPORITELNA 7th annual Asia Trailblazer Ceská Sporitelna has successfully imple- mented FICO’s Optimisation Technology Awards: DBS scoops 13 awards for pre-approved loans. Douglas Blakey looks at the results that this change has brought; so far, it seems impressive 4 MARKETING: FACEBOOK TOP 100 Patrick Brusnahan writes on the efforts made by financial institutions on social he 7th annual Retail Banker Interna- Excellence in Service Innovation: media, particularly Facebook. Why are tional Asia Trailblazer Awards broke DBS BANK banks turning towards this channel? a number of records: a record number Excellence in SME Banking: RBI also releases its Most ‘Liked’ FIs on Facebook rankings T of nominations, winners and attend- DBS BANK ees at the Gala Dinner on 17 March 2016 at Best Initiative in Financial Inclusion: 7 DIGITAL: MEXICO the Carlton Hotel Singapore. HBL PAKISTAN Robin Arnfield reports on the digital transformation occuring in Mexico More importantly, the awards, celebrat- Best Mortgage Offering: through players such as Banamex, ing the best in product innovation,, process, MAYBANK Santander, BBVA, and Scotiabank strategy, channel, marketing, communica- Best Loan Offering: 10 DISTRIBUTION: MUFG UNION BANK tions and people excellence produced the MAYBANK The San Francisco-based subsidiary best ever quality of nominations. Best Bancassurance Product: of Japan’s Mitsubishi UFJ Financial Group, MUFG Union Bank, sees an DBS had some night, winning 13 awards BANK DANAMON INDONESIA opportunity to use digital distribution in all including ‘Excellence in Internet Bank- Best Deposit Offering: to gain nationwide opportunities. Robin ing’ and ‘Trailblazer of the Year 2016’, while AUSTRALIA AND NEW ZEALAND Arnfield investigates BANKING GROUP LIMITED 12 FEATURE: MYANMAR Citibank won four awards on the night. Xiou Ann Lim reports on the Judging the awards was no easy task. My Best Card Offering: monumental changes currently thanks to Ruben Kempeneer and my fellow AUSTRALIA AND NEW ZEALAND happening in Myanmar. Not only is it judges: Michael Allen, Founder and Group BANKING GROUP LIMITED going through cultural and political evolution, but its banking sector is CEO of allen international, Richard Har- Outstanding Investment Services, Retail finally gaining some traction tung, who has over 20 years of experience in Clients: 14 FEATURE: RBI BANKING ROUNDTABLE the payments & consumer financial services CITIBANK MALAYSIA Are challenger banks as dangerous industry and Xiou Ann Lim, Asia Editor at Most Innovative Branch Offering: as the hype makes them out to be? Timetric. STANDARD CHARTERED BANK KOREA How important are digital and mobile Excellence in Loan Origination: Innovation in Service Delivery - ATM: platforms? These are just a couple of the questions asked at a banking round- DBS BANK, SINGAPORE CTBC BANK table in Paris hosted by Retail Banker Excellence in Collection and Debt Management: Excellence in Contact Centre Innovation: International on behalf of Assurant TAISHIN BANK, TAIWAN DBS BANK Solutions. Anna Milne writes Excellence in Client On-Boarding and Excellence in Internet Banking - Cross Border: 16 INTERVIEW: MONITISE Communication: DBS BANK Monitise has had a near-cinematic rise and fall story in a short amount of time. DBS BANK Excellence in Internet Banking - Overall: its new CEO, Lee Cameron, believes that Excellence in Business Model Innovation: DBS BANK the time is right for the company to be back on the rise again, in fact, it has DBS BANK Excellence in Mobile Banking - Customisation: to be. As he tells Douglas Blakey, the Excellence in Customer Centricity: UNITED OVERSEAS BANK market will not tolerate any more failure AUSTRALIA AND NEW ZEALAND Excellence in Mobile Banking - Overall: 20 GUEST ARTICLE: COGNISCO BANKING GROUP LIMITED UNITED OVERSEAS BANK Mary Clarke discusses the value of Dynamic 3rd Party Partnership: Excellence in Multi-Channel Integration: proper training of staff. Poorly trained staff can lead to a ‘domino effect, which BANK MUAMALAT MALAYSIA BERHAD AUSTRALIA AND NEW ZEALAND can lead to nothing but failure. How to Best Social Media Marketing Campaign: BANKING GROUP LIMITED banks rectify this? ’ CITIBANK SINGAPORE Best Graduate Employment Scheme - Retail Best Digital Marketing Campaign: Banking: DBS BANK ALLIANCE BANK MALAYSIA BERHAD Excellence in Internal Communications: Best Staff Training & Development Programme: DBS BANK CITIBANK SINGAPORE Excellence in Social Media - Customer Relations Best Bank in Community Outreach Initiative: and Brand Engagement: DBS BANK CTBC Bank Trailblazer of the Year for 2016 (Individual): Best New Product, Service or Innovation DR KOSON SAPPRASERT, SIAM Launch: COMMERCIAL BANK PCL MAYBANK Trailblazer of the Year for 2016 (Institution): Best Marketing Campaign: DBS BANK DBS BANK Excellence in Mass Affluent Banking: Douglas Blakey CITIBANK SINGAPORE [email protected] www.retailbankerinternational.com April 2016 y 1 RBI 724.indd 1 04/04/2016 10:13:03 STRATEGY: CESKÁ SPORITELNA Retail Banker International Optimising results in the Czech Republic Česká Spořitelna has successfully implemented FICO’s Optimisation Technology for pre-approved loans. As Česká’s Zuzana Sloukova tells Douglas Blakey, the returns have been impressive, increasing profits by 26% while new sales are also up by 29% all with no increase in credit risk costs rste’s Czech Republic subsidiary, Česká cash loan portfolio of pre-approved loans. from the initial idea to a launch of real-time Spořitelna, with more than 600 branch- Projecting the results across our portfolio, optimisation. This included not only the es and five million customers, ranks we forecast an annual increase of $16m in development of the optimisation model, but first in the country by assets and retail APP and $41m in new sales primarily the integration of the new software E In October 2015 more advanced analyti- banking market shares in all main product (FICO Xpress Optimization Suite) into the areas. cal procedures using real-time optimisation Česká IT family. In terms of consumer finance, Česká is models for decisions were launched. “The task was quite complex: it required the country’s long-term market leader with For this, the bank’s analysts use FICO development of more sophisticated decision a market share in in total outstanding busi- Optimization Modeler, powered by the FICO process (optimised offer of loan limit and ness of consumer loans of more than 32%. Xpress Optimization Suite, to configure the price), but also some changes in the sales In response to aggressive pricing by its optimisation models used for real-time deci- process.” retail banking rivals and with its market sions. For its part, FICO has spoken in glowing share lead under attack, Česká sought to In order to react to increasing demand of terms about how Česká went about the pro- increase its competitiveness without a loss in debt consolidation and to deal with greater ject implementation. profitability. competitive pressure, it was necessary to pre- Bill Waid, vice president and general man- Zuzana Sloukova, who leads the pare a more suitable offer of debt consolida- ager for decision management solutions at optimisation, reporting and analysis team tion for each customer, taking into account FICO tells RBI: “Our optimisation tools are for Retail Risk at Česká Spořitelna tells RBI: customer price sensitivity and credit risk second to none in giving analysts and busi- “Optimising our strategy for pre-approved profile, etc. ness teams the power they need to develop, cash loans was a significant part of this cam- Česká forecast a 15% increase in new sales test and deploy new strategies.
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