Slide 1: Digital @ RBL
Digital @ RBL Creating. Nurturing. Enhancing Customer Value
Slide 2: Disclaimer
Disclaimer By attending the meeting / telephonic call where this presentation is made, or by reading the presentation materials, you agree to be bound by the following limitations: The information in this presentation has been prepared by RBL Bank Limited (the “Company”) for use in presentations by
Slide 3: Content
Content • Changing Landscape • Banking Story • Digital @ RBL 3
Slide 4: Changing Landscape
CHANGING LANDSCAPE 4
Slide 5: Something big is going on!!
The world’s largest taxi firm, The world’s most valuable owns no cars. retailer, carries no stock. The world’s most popular And the world’s largest media company, accommodation provider, creates no content. owns no property. Something big is going on!! - Tom Goodwin, an executive at the French media
Slide 6: Why is this happening?
Why is this happening? Falling Txn cost Advent of Internet & Weakening economies of Smartphones scale Changing customer needs 6
Slide 7: Drawing inspiration from customer driven techno giants
Drawing inspiration from customer driven techno giants Relevant content basis rich data. What do they have in common? Keeping it simple Transportation as a service. Putting people first Great customer service through analytics. An emotional journey Innovation User generated content. And, of course D
Slide 8: Need for the shift
Need for the shift Traditional business models Futuristic business models User Competition Interface Competition Services Competition Infra- structure Competition Technology is undermining the advantage of vertical Adapting business models to compete at critical layers in integration - lower transac
Slide 9: So, is this happening in banking?
SO, IS THIS HAPPENING IN BANKING? 9
Slide 10: What is Changing?
What is Changing ? PUSH content PULL content Branch Banking Internet Banking Mobile Banking Open Banking 10
Slide 11: What has worked for the Banks?
What has worked for the Banks ? What has worked for Banks ? This is changing too… Regulatory protection Changing nature of competition Compliance Limited Competition Limited skills to address Services are being delayed all layers of stacks & Provision of bundling services which were hiding inefficie
Slide 12: Drivers of Change
TAN. Fait y e RBL Bank 12
Slide 13: FinTech Disruption happening in India
FinTech Disruption happening in India Money Tap: One of India's first consumer finance apps. mSwipe: India’s largest non-bank merchant acquiring platform, providing an end to end card acceptance service. Happay: One of India’s leading B2B employee & vendor expense management solution provider. Oxige
Slide 14: Digital @ RBL Bank
DIGITAL @ RBL BANK 14
Slide 15: Our Growth Story
Our Growth Story Figs in Cr. Net Worth Figs in Cr. Assets Our Guiding Principles 61,851 6X 30X FY18 FY18 Figs in Cr. Figs in Lacs Governance Net Profit No. of Customers 45 Human Capital Development 50X 35X Technology Investments 1.3 Strategic Partnerships FY18 FY18 15
Slide 16: Re-engineering & Re-imagining
Re-engineering & Re-imagining Bundling & Unbundling Services Wider Physical Infra through Partners Changing Business Models Re-engineering Enhance customer experience Risk Management Process Digitization Re- Imagining 16
Slide 17: Rebooting to RBL | Banking As A Service
Rebooting to RBL | Banking As A Service Hierarchy Network Customers Partners Bank Control Shared Control Standard N=1 17
Slide 18: Leveraging Partnerships for providing solutions
…Leveraging Partnerships for providing solutions API Ecosystem Connecting Corporate systems & BC systems through Bank "I want to collect “Provide service “ I have Channels loan EMI from through Available for my customers" channels” collections” Loan Central CSP Disbursements Operations points of CSP
Slide 19: Advantages of Partnership Model
Advantages of Partnership Model Building scale & networks Co-Creating services and improving customer experience Faster time to market Enhanced revenues: Reduced cost of failure, Increased efficiency leveraging unique insights of partners 19
Slide 20: Digitally connected enterprises offer several opportunities
Digitally connected enterprises offer several opportunities Improved service, enhanced revenues and increased efficiency Improved services Enhanced Increased and enhanced customer experience revenues efficiency Sample use cases • Outcome-based contracts • Predictive maintenance • Real time activity
Slide 21: Solution creation by Unbundling & Re-bundling
Solution creation by Unbundling & Re-bundling AEPS OPPORTUNITY DMT Aadhar pay Solution IMPS for BC network ~50 Mn* SMEs 65 Micro Services Collection Seeking launched API A/C Convenience Banking opening Solution for Most Important Customer Benefit: NBFCs UPI Low Touch Collection UPI High Value Bankin
Slide 22: Industry Solutions: MFI Segment (use case)
Industry Solutions: MFI Segment (use case) Benefits for MFI 1 • Cashless disbursement • Instant credit APBS based Funds disbursement to the Aadhaar seeded account of the • Superior customer experience disbursements end-customer. No cash requirement for disbursement 2 MFI • Cashless collections • Aut
Slide 23: Technology imperatives
Technology imperatives 1 Platform strategy • Simplified, micro-services based architecture 2 Build for scale • Key to a self-sustaining business unit 3 Stable, reliable and on time service • Critical to deliver services with high availability & performance 4 Agility is a given • Small, specialized i
Slide 24: Way forward: Cloud As A Choice
Way forward: Cloud As A Choice Speed to market Agility in infrastructure Speed to innovate provisioning Low cost of failure Ability to handle data explosion Reliable security 24
Slide 25: Where it took us…
Where it took us… 15% of unsecured loans business is sourced #3 in AEPS digitally among Private players Over 5000 digitally issued personal line of credits #5 in Acquiring a month ~100% growth for the FY18 for merchant acquiring #4 Ranking 1 in every 2 MeitY Digital Performance New accounts are digi
Slide 26: Some of our Partners
Some of our Partners wirecard ‘Chola _ JetPrivilegets IndianOil Ezerd CAPITAL vy Weizmann fe IP I FLOAT MONEY A "Sat iO Digital India oxigen. rfsube. zeta Thos q DSP BLACKROCK [=f we] TRAN Bank
Slide 27: In the next 5 years you are doomed
In the next 5 years if you are selling your products, through your channels, to your customers, then you are doomed! - Speaker at a #FinTech Sessions 27
Slide 28: RBL Bank Limited
RBL Bank Limited Corporate Office: One Indiabulls Centre, Tower 2B, 6th Floor, 841, Senapati Bapat Marg, Lower Parel, Mumbai - 400 013. Tel: (022) 022 43020600, Fax: (022) 43020520 Website: www.rblbank.com 28