Geo Differences-
Drivers for change
- Demaning customers
- Increased competition
North America:
- New generation of customer base that need fast, convenient and on-line
account opening process
- Changing customer demands increases pressure on compressing the process
and having a single customer view for multiple products and channels
Western Europe:
- More advanced on-line processes than North America
- Increasing customer expectations and competition pressures banks to
concentrate on streamlining an enterprise-wide AO process
Drivers for change
- Internal cost pressures
- Regulatory environment
Central Europe:
- Internal pressures to lower cost;
- Emphasis on putting back end processes in order to cut costs
Japan:
- "Ritualistic" AO procedures for deposits due to regulations and traditions.
eg. personal stamps, fraud supervisors, booklets etc.
- AO for unsecured lending is leading practice. Fast and efficient.
China & India:
- Antiquated back end processes
- Fraud and identity verification are major issues due to formal credit
rating angencies
- Struggling to understand that information and systems between asset and
liability products are similar
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