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PROMOTIONAL FEATURE There’s more to banking than resilience
In the era where customer experience is vital to success, many banks are looking to replace their corporate digital platforms to better accommodate those they cater to.
digital, successfully complementing the branch-based interaction model with remote channels. Even in the conservative corporate banking space, most players have offered a digital banking platform to their clients for more than a decade.
B
But a decade feels more like an era in the world of technology. Corporate bankers sometimes tend to forget that their clients’ treasury departments are staffed by demanding consumers who use technology extensively in their personal lives. And expect the same level of usability from all the apps – regardless of what the latter do.
Unfortunately, what they quite often get when logging in to their corporate banking system is a ride on a time machine – considerably far backwards. “Ancient banking applications today resemble baroque castles — castles that their owners changed and added on to for centuries with neither a comprehensive nor well-documented plan“ – to
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anks all over the world are becoming more
quote from Forrester’s Jost Hopperman. Over the years, introducing more features to systems not only adds to maintenance costs but may degrade usability as well.
A siloed approach keeps being a nuisance too – even in the same bank, there are often different channel solutions for different areas such as cash management, FX trading or trade financing. Not to mention separate mobile apps…this further leads to a fragmented experience for clients.
The way forward
One of the banks aiming to refresh their corporate digital banking platform in 2014 was Poland’s ING Bank Slaski, part of ING Group. And while Poland remains geographically distant, you may recognize it as home to mBank and Idea Bank, award-winning financial institutions praised worldwide for their innovations and quick adoption of new technologies.
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