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FinnoLux is a Digital Enabler, allowing companies to take advantage of the opportunities the Digital Revolution creates, in financial technology, digital finance and digital banking.

By empowering management teams and companies to become the organisations they envision to be, FinnoLux

assists companies in digitally transforming themselves.

EXINN Technology Center presents the innovative training programme on: Digital Banking & Digital Transformation

from FinnoLux, Luxembourg

Digital. Finance. Enablers. © 2017 All Rights Reserved

About FinnoLux

FinnoLux is a Digital Enabler, allowing companies to take advantage of the opportunities the digital revolution creates. By empowering management teams and companies to become the organisations they envision to be, FinnoLux assists companies in digitally transforming themselves. Our team has had the opportunity to work with companies from all the sectors of banking to enable and provide them with the solutions and tools necessary for dealing with emerging technology and its implementation. Some of our clients include banks such as: Royal Bank of Canada, ABN Amro, Rabobank, SNS Bank, Triodos Bank, ING Luxembourg, Nomura Bank Luxembourg, Advanzia Bank S.A, DNB Luxembourg S.A, Royal Bank of Scotland International-Luxembourg Branch, Unicredit Luxembourg S.A.

Our activities can be summarized in these 4 focal points:

Digital Transformation: digital as an opportunity to strengthen customer intimacy – Digital Transformation is about people, culture and technology.

Innovation Management: ensuring the delivery of innovative projects.

Digital Solutions: combining ‘Tech’ building blocks into solutions for real problems of the industry.

International Growth: building connections between ecosystems and countries and boosting growth.

FinnoLux brings different approaches to different situations and companies. Depending on the aspirations and needs, we are able to take different roles: • Catalyst: Companies we work with are able to imagine and become the organization they envision to be. We do not bring a “one-size-fits-all“ approach, instead, FinnoLux acts as catalyst to facilitate the process of co-creation and the execution of the co-created vision. • Trainer: Trainings, workshops, boot-camps and seminars are ways in which we share our tools and knowledge. Popular topics are expansion strategy, innovation, digital transformation, culture and language as well as more interactive sessions around rapid prototyping, envision sprints. • Expert: Our deep understanding and subject matter knowledge in specific industry domains can help to accelerate the delivery of your project. We are able to provide specialist expertise, both on a consultancy basis, as well as providing keynote speakers for select events.

We focus on the domains in which our team of experts have a profound experience, in particular, in, Banking, Payments, Insurance, Wealth management, Regulation, Compliance & Technology.

Digital Finance Training Programme 1

Contents About FinnoLux ...... 1 Approach ...... 3 Our Proposal ...... 4 Digital Transformation Training ...... 4 Modules of our Digital Transformation training ...... 5 Executive Training Program ...... 7 Investment / Compensation ...... 8 Certificate ...... 9

Digital Finance Training Programme 2

Approach

Our multidisciplinary team are a diverse group of experts with, on average, 20+ years experience in their respective field of interest. They share a passion for innovation and challenging the status quo and have proven track records in specific niches. Our pool of industry experts includes specialists in banking, wealth management, the development and delivery of innovative products and services, digital transformation and service management. This allows us to bring a team in the correct blend to fit the organisation and their objectives. Here is a presentation of some of the team-members who will be involved in your company’s project:

- Matt Elton: Matt has more than 20 years’ international experience driving innovation in Banking, Payments, Clearing and Settlement organisations throughout Europe, as well as in Canada. Recognised as an expert in existing and emerging technologies and their impact on business strategies, Matt helps to identify solutions based on paradoxical technologies that have transformative impact on business models. Through a deep understanding of the value chain, Matt has the imagination to link technology and solutions to create real business results. (https://www.linkedin.com/in/mattelton/)

- Leen Cuypers: Leen’s ability to see creative solutions, coupled with her analytical skills and drive to get things done helps her investigate, define, and solve business challenges for the 21st century. Helping people adapt to changing environments and to embrace change has been the key to her success. Leen has specific subject matter knowledge in the Payments sector, bringing new solutions to the card acquiring space, as well as innovative new alternative payment technologies. (https://www.linkedin.com/in/leencuypers/) - Anna Velvet: Anna has a BA in Law and Justice and PG Dip. from in European Union Commercial Law. She expanded her expertise into banking from working with major financial institutions in France and Spain and has helped executives and mid-level management develop their communication skills and understanding of the cultural components involved in digital transformation in Retail and Investment Banking, Risk and Compliance, Back-office, Wealth Management, Trading and Securities. (https://www.linkedin.com/in/anna-velvet-15ab6b/)

- Thomas Ifanger: Thomas is an innovation thought-leader with a rich experience in Private Banking and Wealth Management as well as in the payments sector. He is a real catalyst in any workshop or training, assuring the most valuable outcome. (https://www.linkedin.com/in/thomas-ifanger-5a815b2/)

- Olivier Roucloux: Olivier brings a deep insight in the financial industry, having worked in the Capital Markets environment for many years. Today Oliver focusses on applications of Blockchain technology to address the capital markets space. Olivier is an expert in the combination of Technology and Business. (https://www.linkedin.com/in/olivierroucloux/)

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Our Proposal Digital Transformation Training Becoming an organisation which is able to take advantage of the opportunities the digital revolution creates, starts with a deep understanding of the changes that have happened and are happening at an ever-faster pace. We, at FinnoLux, focus on People, Culture and Technology.

As customer expectations have changed, the ability to understand customer needs and to look beyond these has become more vital than ever. Customer empathy is considered the key to excellent customer experience and results in increasing loyalty from new as well as existing customers.

We have created a training program to train staff of the BKT bank, in order for them to gain understanding of the digital revolution and to be able to identify the opportunities it creates. We believe it is key to involve all the different people in an organisation in order to be able to realize a successful digital strategy. By creating a shared understanding throughout the organisation of the need to digitally transform and the opportunities resulting from it, a solid basis will be established upon which different initiatives will be built and successfully realized. By translating the Digital Revolution into opportunities instead of threats, people are able to embrace these and make them happen.

The proposed training program has different modules and differentiates between three levels: Executive Level – Senior & Middle Management – Staff. The different modules represent different topics, each one of them highlights a specific part of the impact Digital has on the Banking industry. The modules can be applied to all three levels, the approach and emphasis will be adjusted to the needs and aspirations of the specific audience.

FinnoLux brings an interactive training approach which enables participants to actively understand and realize the proposed material. The FinnoLux subject matter expert(s) will both share their knowledge and facilitate further discussion.

Module Topic 1 Digital Banking & Digital Customer 2 Products and Services in the Digital Finance space 3 Technology - The Impact of technology on banking 4 RegTech 5 PSD2 6 Crypto-currency & Blockchain technology

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Modules of our Digital Transformation training Every module relates to one or more related topics. The specific emphasis and approach of every module will be adjusted to the specific demographic of the group to which it is presented. When the group constitutes of people of senior-level, the focus will shift to strategy and implementation whereas a group of first-line customer care officers might be more interested in the practical implementation and impact on client relationship. Module 1: Digital Banking & Digital Customer – 2 days

This module provides an introduction to Digital Banking and Finance. After gaining understanding of the digital revolution and its impact on banking, we will focus on the unique opportunity Digital provides to deepen the relationship with the customer.

Day 1: Introduction to Digital Banking Objectives: Understanding the digital transformation in banking. What are the trends, what services are impacted and what opportunities lies by engaging the Albanian customers.

What is a Digital Customer? Objectives: Understanding what the digital customer is and their needs within the digital space. Learn about the service trends that the customers are attracted to. Understand what opportunities are due to engagement and feedback from the customers in order to improve and upsell products and services.

Day 2: Customer Onboarding & Management Objectives: Understanding your management role in implementing best practices for customer onboarding. Learn how the tools used to understand customer profiling, trends and how they manage their financial activities.

Module 2: Products and Services in the Digital Finance space- 2 days The different Digital Finance products and trends are central in these sessions. The focus is on knowledge-sharing as well as an interactive discussion on strategic and implementation aspects.

Day 1: Retail Banking: Digital route that facilitates Digital Customer payment and transfer of money Objectives: Understanding how Card and mobile payments are advancing customer interaction in payments, remittance, and international transfers.

Asset and Wealth Management: Digital solutions for customers managing their finances Objectives: Learn how automated tools are being used in the digital space that facilitates customers to manage their wealth. At the same time it safeguards the relationship between bank and client through tools such as robo – advisors.

Day 2: Credit Sector – Digital Banking impact on process, people and IT Objectives: Learn about the digital trends in Lending, Crowdfunding, P2P(Peer 2 Peer) Lending,

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Automated Loans, Alternative Financing. Learn how the digital financial tools provide easy access and connectivity for your digital customers.

Module 3: Technology - The Impact of technology on banking, the key players and tools used in banking evolution in the digital space – 2 days A 2 –days tech – focused training specifically for people of IT and technology-related departments. This training can also be offered to other interested people as a one-day session providing an insight in the possibilities without too much focus on technical details.

Objectives: Learn about the emerging technology that is enabling financial institutions to facilitate and improve the products and solutions for their digital customers. What are challenger banks and what can one learn from them to improve the continual interaction of digital customers. How is AI (Artificial Intelligence) Big Data, and Robo-advisors evaluating the marketing trends of the customers.

Module 4: RegTech - Automated Regulatory solutions benefit for the customers and banking – 1 day This session is especially interesting for people in the Compliancy department or for members of the Executive Board who are faced with a higher liability and therefore want to use technology to take well-informed decisions.

Objectives: What is RegTech (Regulatory Technology) and what is its strategic value? Learn how these solutions and tools safeguards the transactions of the customers and while bringing confidence to the financial institutions.

Module 5: PSD2 – 1 day This session explains the second EU Payment Services Directive and its opportunities.

Objectives: Learn about PSD2 and the opportunities for the banks. Find out about the key features such as (AISP) and (PISP) and the effect on developing customer relationships to and adding a value ecosystem centralize on their own banking gateways.

Module 6: Crypto-Currencies and Blockchain – 2 days Crypto-currency and Blockchain explained, based on real business use-cases.

Day 1: Crypto – currency in banking Objectives: What is cryptocurrency? Why has bitcoin become the currency of choice to digital customers? Why are banks getting involved with cryptocurrencies? How are digital customers using cryptocurrency and the use cases that have changed money interaction in finance and payments.

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Day 2: Blockchain Technology - Introduction to distributed ledger in technology. Objectives: Learn the overview of blockchain, the technology and the use cases has revolutionized smart contracts, decentralized storage, provide digital identity, and enables authenticity of customers and their data.

Executive Training Program FinnoLux created the Executive Training Program to fulfill the specific needs of the Executive Management as the involvement and support of the Executive team is key to a successful transformation. It’s them who envision the Digital future of the company and steer the organisation with all its people involved towards that future. Creating a strategy based on the vision and inspiring the workforce to join forces and realize this strategy are vitally important to succeed. The Executive Training program is based on the same modules and content as they provide the main knowledge on the concept of Digital Banking. The approach however is different: for the senior leaders, FinnoLux provides 2 industry specialists per group, in order to bring additional insight

The Executive Training program focuses on knowledge-sharing as well as discussing the strategic value of these different topics.

Practical Considerations FinnoLux brings an interactive approach to enhance the effect of the different training sessions. The ideal group per sessions consists of 18 participants, with a maximum of 25. The training sessions will be delivered in modern premises combined with optimal technology and training infrastructure at the Innovation Hub and European University of Tirana.

Each group is a balanced representation of the different people from that level. For instance, an ideal group for a ‘staff’ session gathers people from the agencies as well as the call center and other operational roles. Some modules target specific groups like the Technology session or the RegTech session. Additional sessions can be opened up to different target groups, adjusted to their level of knowledge on this specific matter.

For reasons of efficiency we suggest to run weekend sessions in addition to weekday sessions.

FinnoLux suggests to perform the trainings on an off-site location, to maximize focus from the participants.

FinnoLux brings a module-based training program, enabling the company to pick and combine these building blocks in a training which addresses the company’s expectations. We are however able to suggest an ideal approach for your company in order to make sure the key topics are covered for the relevant people. In this case, we suggest the following composition, where the optional sessions are marked whereas the sessions we believe essential for the level don’t carry a mark (*):

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Middle Executive mgmt Staff 1 Digital Banking & Digital Customer 2 days 2 days 2 days 2 Products and Services in the Digital Finance space 2 days 2 days 2 days * 3 Technology 1 day * 2 days 1 day * 4 RegTech 1 day 1 day 1 day * 5 PSD2 1 day 1 day 1 day * 6 Crypto-currency & Blockchain technology 2 days 2 days 1 day *

Investment / Compensation

FinnoLux has a very straight-forward pricing policy: we charge per person rate for regular sessions and also for specific sessions which cover topics where more subject matter expertise is needed.

Price include: training place & premises, cost of trainers / lecturers, preparation and execution of the training, electronic and hard copy training materials, coffees & lunch for training day, as well as the issuance of a training certificate in the area of Digital Transformation and Digital Banking that is recognised and accepted in the European Union.

Prices are exclusive applicable VAT,

Executive Middle Staff Management

Price per Price per Price per module/ module/ module/ Participant Participant Participant Module Digital Banking & Digital Customer 400 € 350 € 350 € 1 Module Products and Services in the Digital Finance 400 € 350 € 350 € 2 space Module Technology - The Impact of technology on 400 € 350 € 350 € 3 banking Module RegTech 450 € 400 € 400 € 4 Module PSD2 490 € 450 € 450 € 5 Module Crypto-currency & Blockchain technology 490 € 450€ 450 € 6

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Certificate

At the completion of each training program, the participants will be equipped with a professional certificate that is recognised and accepted in the European Union as part of the professional development programs in the area of Digital Banking and Financial Technology. All the participants will become part of the wide network for Digital Banking professionals where the latest knowledge on these topics is shared and updated regularly.

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