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WOW!DIGITAL
TRANSFORMATION
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Transform plans intoreality
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Customer
Consumer segment
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ArchitectureOrganization Agility Infrastructure
Efficiency
“People Ready”
“Cost/Value Conscious”
“Tech Ready”
Available and reliable
systems
• Value driven prioritization of resources
• Accountability
Tech enablerHigher frequency and
value deliveries
Specialization and
technical proficiency
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1 Affluent branches and other special formats not focused onconsumer segment are not included.
▪ Optimizing branch formats and footprint
▪ Migrating customer interactions toalternative and digital channels
▪ Scaling remote advisory as a new channel
▪ Boosting sales framework and customers’ interactions based ondata
▪ Applying advanced analytics as mainengine for leads generation
▪ Developing digital marketing capabilities
▪ Promoting digital education
▪ Developing digital journeys for sales, servicing and transactions
▪ Optimizing performance management model for a digital enviroment
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Retail Banking Retail BankingConsumer segment
Wholesale Banking
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