1. Adaptive
Change
Our Digital
Journey
ERION SERTI
Head of IT Division

2. ! Your customer needs and perspective do What Digital journey is not
...it is not just another fancy user interface
...it is not about technology
...it is not a final state
...it is not a project !
Digital and technology do not matter.
Your customer needs
and perspective do

3. A profound transformation of business and organizational activities, processes, competencies and models to fully leverage the changes and opportunities
of digital technologies to deliver outstanding customer experience

4. Digital transformation isn’t about achieving some final state, but rather building change as a core competency
Mindset

5. Steam engine revolution
Digital transformation
is an industrial revolution
Industry 4.0 Digital
Computer chips
Mass Production
At the heart of 4th industrial revolution is the digital transformation
Steam engine revolution

6. “We see ourselves as a technology company with a banking license.”
Disruptive in all industries; Evolving jobs; Breaking down silos, drastic increase of importance of IT
Big data more important than ever
Advanced analytics and artificial intelligence
mainstream connectivity will accelerate digitalization
“We see ourselves as a technology company with a banking license.”
CEO of City Bank

7. Why take the journey?
By 2020, every business will become either a digital predator or digital prey… The prey will remain Digital Dinosaurs, unable to evolve their proven business model until it’s too late”
Forrester Research

8. Evolve, don’t die, don’t be a dinosaur
Uber, the world’s largest taxi company, owns no vehicles.​
Facebook, the world’s most popular media owner, creates no content.​
Alibaba, the most valuable retailer, has no inventory.​
Airbnb, the world’s largest accommodation provider, owns no real estate.​
“It is not the strongest of the species...
nor the biggest that survives.
It is the one that is the most adaptable to change” -
Charles Darwin

9. Journey of Digital Banking in Raiffeisen Albania

10. New engine of change; CEO
The most unique aspect of this technology trend is that transformation is being driven from the top, personally mandated by the CEOs.

11. Foundations Design thinking Agile change Mindset change Elevator hub
Empower people
Rapid decision-making
Elevator hub
Innovation garden
Fintech collaboration
Adaptive
Fintech’s
Cloud adaption
Advanced analytics
Build customer centric
Digital assistant
Process
Tech
Collaborations
Technology

12. Working together

13. CLASSICAL MODEL INTERNALLY FOCUSED NEW MODEL BUILD AROUND HUMAN NEEDS
Focus on Customer
CLASSICAL MODEL INTERNALLY FOCUSED
NEW MODEL BUILD AROUND HUMAN NEEDS
INTERNAL FOCUS
PEOPLE FOCUS
Infrastructure
Customer
Process
Process
Customer
Infrastructure
Software
2 options for starting
Network
Software
Network
Design starts from inside-out
Design starts from outside-in

14. Culture Transformation for Banking
Work Play REPEAT
ACHIEVE DEEPER INSIGHTS ON WHAT OUR CUSTOMERS NEEDS ARE TODAY AND TOMORROW
IT STARTS WITH UNDERSTANDING
BUILDING PRODUCT
PROTOTYPE AND DESIGN USER EXPERIENCE
Talking to our customers analyzing Data from call center, web analytics, complaints, transaction history, patterns
SHOWING TO OUR FRIENDS, FAMILIES, CUSTOMERS VALIDATING AND UNDERSTANDS THEIR NEEDS

15. What is coming next... ​
Open Banking
Digital Assistant
BlockChain

16. We are looking for talents.
If you like this
and want to be part of the future join us!
We are looking for talents.

17. Thank You!