GFT Preview Digital Banking Survey Results

GFT Expert Survey The Secrets of Digital Banking Success Presentation of Survey Results

Spring 2015

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Executive Summary Key Findings Survey Results Analysis Recommendations

1. Executive Summary

Executive Summary

 GFT conducted an online survey in April

Participants (n=124)

2015 focused on retail banks in Spain, Germany, Italy, Switzerland, Brazil and the United Kingdom

 124 decision-makers with responsibility for various aspects of digital banking completed the survey

 The objectives were to: - Learn how banks in these countries are approaching digital banking - Compare levels of preparedness - Discover what they see as key success factors in this market

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Spain

17 34

3 9

Germany Italy Switzerland

9

Brazil

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GFT Technologies AG - GFT Expert Survey: Secrets of Digital Banking Success

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United Kingdom Other

© Cloudbridge Consulting GmbH

Executive Summary  Overall, the survey revealed that: - Almost all banks interviewed have some form of digital banking strategy in place, so the journey has -

begun, but there is a long way to go.

There is still time for banks in all the countries surveyed to establish competitive advantage.

Customer satisfaction and loyalty are stronger business drivers than increased profits.

Technology concerns are focused on choosing the right platforms and integrating with existing infrastructure.

Organisational structure and staffing are potential key barriers if not properly addressed.

Cooperation with partners is still at a low level, with German banks showing the most engagement.

By country: - Banks in Italy are most likely to be leading in digital banking implementation, but still need to optimise their platforms. They are also preparing for real-time decision-making.

- Banks in Germany are evolving digital efforts steadily, and are more likely to be engaged in partnerships (which are still at a low level overall), but are less focused on mobile payments.

- The Spanish market is the most polarised, with many banks either leading or lagging behind the average – overall they believe they are the furthest behind and have the longest way to go with their digital platforms.

Important note: Due to the relatively small sample sizes, particularly per country, the results of this survey should be treated as being indicative of general trends, rather than as statistically accurate evidence of market circumstances.

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GFT Technologies AG - GFT Expert Survey: Secrets of Digital Banking Success

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