© CGI Group Inc. CONFIDENTIAL Digital Payments Digital Banking Digital Government Digital Energy April 12, 2016 2016 CGI Global Analyst Forum Digital Banking
Feb 13, 2017
© CGI Group Inc. CONFIDENTIAL
Digital Payments
Digital BankingDigital Government
Digital Energy
April 12, 2016
2016 CGI Global Analyst ForumDigital Banking
2
Digital Banking agenda
CGI’s Vision: Pinpoint focus on priority transformation
CGI IP: Digital-ready banking platforms
CGI Client: Delivering digital transformation
3
Penny HembrowSVP, Global Marketing and Financial Services Lead
How CGI is accelerating banks’ digital transformation programs
4
Banking is at the forefront of digital disruption with real urgency to digitize
* Many CGI clients span multiple industry verticals and may be more advanced than peers. For the purposes here we have used the predominant industry and average across all CGI clients
Source: CGI Voice of Our Clients (2015)
Competing for the digital customer
Shifting market definition
Exploitation of digital technologies & data
Regulation / Public Policy
Consumer Intensive
Changing business economics & cost pressure
Innovation
Exploitation of digital technologies & data
Shifting market definition
Changing economics & cost pressures
Regulation / Public Policy
Exploitation of digital technologies & data
Security & geo-political pressures
82%59%
52%40%
55%36%
33%32%
90%32%
29%25%
Asset Intensive
InsuranceOil & Gas
Healthcare
Transport
Retail
Banking
Manufacturing
Government Central & Local
Utilities
Communications
Risk & Investment Intensive
Business urgency
Political urgency
5
CGI has the end-to-end services to support banks’ digital transformations
USA Payments center of expertise Wholesale banking center of
expertise Capital markets center Cybersecurity center Digital insight center of expertise
(Louisiana)
Canada Wealth center of expertise Agile development center Digital consulting Mobile development center Cybersecurity center Capital markets center Wholesale banking center
UK Agile development factory Block chain & API POC center Capital markets center Payments center of expertise Digital consulting Cybersecurity center Digital insight center
Iberia Digital value-add factory Digital Insight center of expertise Branch of the Future Intelligent documents IOT center of expertise
France & Luxembourg Digital center of expertise (Montpellier &
Bordeaux) Retail center of expertise (Lille) Deep digital insight capabilities Customer Journey digitalization POCs in i-beacons Digital consulting
Nordics Cloud consulting & servicing Cybersecurity center Digital insights center Mobile app and agile factories POCs in i-beacons & block chain Loyalty card center of expertise
Germany, Benelux & Eastern Europe Payments center of expertise Data science capability Protect the Bank center Agile development factories
12,000 banking professionals around the world
Financial Services contributes 21% of CGI revenue
Support 20 of top 25 banks in the Americas, 19 of top 20 banks in Europe
Key contributor to all CGI Strategic Business Units
6
CGI’s Banking clients fully recognize the imperative to transform
Retail Banking
1. Digital impact on marketplace
2. Changing customer expectations
3. Disruptive technology & competition
4. Importance of business intelligence
5. Regulation & control burden
Modernizing Run the Bank
Digitizing the Bank
Protecting the Bank
Wholesale Banking
1. Regulation & control
2. Data driven
3. Scalable platforms
4. Trade lifecycle digitalization
5. Focus on profitable business
Modernizing Payments
IT Priorities
Source: CGI Voice of Our Clients (2015)
EMBEDDED CYBERSECURITY
Reduce the Run Invest in Change Grow Revenue
Consumers and corporates are demanding value-add services that enrich and facilitate their business and personal lives
Source: CGI Financial Consumer Demands for Tomorrow’s Digital bank; AFT Survey on Global Transaction Banking
7 – Strictly Confidential
Percentage of Corporates expecting to renegotiate or add banking
relationships over the next year
35% 41%NorthAmerica Europe
Top Products under Review
Cash Mgt
Payments
FX (incl hedging)
Pooling & netting
Trade Finance
76% 70%
58% 58%
46% 58%
38% 44%
32% 37%
Consumer Top Value-Add Services
8
Established banks are faced with complex operations, rising run costs and scarce change spend
Enterprise Systems
Mission Critical Business Systems
Cyber & Fraud Security Digital Transformation
28% 45% 12% 15%
Change the Bank Mandatory ChangeRun the Bank
Source: CGI Voice of Our Clients (2015)
9
Banks require services and solutions to reduce run, invest in change and drive revenue growth
Consumer Banking
Corporate Banking
Wealth Management
Capital Markets
Common Platforms
Acceleration in change through SaaS and
outsourcing strategies
Reduce the Run
Real time processing
Automate personalized customer journeys
Invest in Change
Digital Insights
Data and analytics as critical asset to drive
revenue and risk mgmt
Value-Add Services
Innovation cycles of value-add services
Grow Revenue
Source: CGI Voice of Our Clients (2015)
10
CGI has a comprehensive portfolio for banks accelerating digital transformation across all sub-industries
High-end consulting
IP30
Transformational outsourcing
Change
Grow
Run
CGI’s Services & Solutions aligned to Banking Industry PrioritiesDigitizing the bank
Modernizing Payments
Protectingthe bank
Modernizing “run the bank”
Strategy consulting
Agile development factories
Customer journey digitalization
Digital omni-channel
Value-add services
Digital insight
Banking platforms
Standards consulting
Consulting at national and bank levels
Payment SaaS
SaaS and BPaaS
SI / testing around payment hubs
Systems integrator for identified leading partners
Risk and regulatory data governance and architecture
Real-time process monitoring / risk / reporting resolution
Regulatory reporting SaaS
Cyber protection (IP)
AML / fraud / KYC solutions and platforms
Rules engines
Consulting assessment and roadmap / business case
Outsource and sunset to generate funds
for change
Re-platforming and application management
Enterprise re-architecting and application portfolio
management
Disruptive technologies, e.g., blockchain
IT intensive BPO around IP
Real-time payments
Value-add services
11
Bringing the digital customer journey to life
Client deliverables
• Payments with your mobile from your BIL account based on smart-tags • Cardless ATM withdrawals (e.g., when you forget your wallet)• Simple payments/transfers to friends (e.g., in a restaurant)• TouchID authentication for quickbanking• Smart-watch integration• Multiple POCs using iBeacons for withdrawals, make transfer by "bumping" phones, etc.• And of course all standard functionalities including; Accounts, Transfers, Orders,
Electronic documents, Messaging, ...
CGI is supporting the "Banque Internationale à Luxembourg" to develop all aspects of their comprehensive Digital program, including an integrated suite of consumer banking applications Digital Customer
Experience Internet
of Things
12
CGI is investing in banking platforms to support end-to-end digital advisory customer journeys - Wealth360®
Personalized Agent Experience Online Robo ExperienceCall Center-Based Agents
INTAKE DISCOVERY EXECUTION & ONGOING RELATIONSHIP BUILDINGAutomated Mgmt. Monitoring/Admin Plans & Actions
With fully digitized process flows providing complete client coverage through multiple distribution channels & management styleson a single, unified platform:
AdvisorToolbox
Overlay Admin.
Single Platform
WEALTH PLATFORM End to end experience for
Rep-as-PM or centralized investment advisory
Full spectrum of personalization Configurable, modular, flexible
construction Automated workflow
Responsive HTML5 interface
Highly customizable Intuitive design
Built with efficiency in mind mobile, single-sign-on, management by exception:
13
FX Cash & Precious Metals on the fly
Client challenges
• CIBC wanted to launch new high value products and services for passengers and employees of Toronto Pearson International Airport (YYZ)
• Wanted to leverage the high mass exposure as an opportunity for branding and loyalty
• Leverage the investments in CIBC’s recent Precious Metals Online solution
• Established a fast, trusted and convenient foreign exchange service for 37M passengers, 40,000 airport employees, and 100,000 newcomers to Canada each year
• Expansion and strengthening of CIBC’s brand with customers and target customers
• Established a platform for future expansion to other retail and online channels
Client benefits
CIBC relies on CGI’s end-to-end solution capabilities to be the only bank in Canada to sell FX Cash and Precious Metals at Pearson Airport Internet
of ThingsDigital Customer
Experience Consulting
14
Focused on client needs Pinpoint focus on priority transformation needs to reduce run, invest in change and drive revenue.
Strength across banking Deep expertise and scale in retail, wealth, transaction banking and capital markets.
Expert digital capability Banking digital centers of expertise operating in major global financial centers.
End-to-end portfolio Portfolio of services from strategy consulting, high-value implementation, IP and transformational outsourcing.
1
3
2
4
5 IP30 Digital-ready banking platforms.
Key takeawaysDIGITAL BANKING VISION
Open Q&A