Transcription
European ATM &Payments InnovationSummitOctober 17-19 Rome, Italy
European ATM &Payments InnovationSummitOctober 17-19 Rome, Italy
Europe ATM & Payments Innovation Summit RomeNBG offers a new service Instant CashIoanna AlexandriDigital Business DivisionOctober 2019
Agenda1. NBG Introduction National Bank of Greece Digital transformation drives banking business Statistics of Digital Channels in NBG NBG invests on Cash Recycling & Cash deposit ATMs and Smart Safes2. NBG Instant Cash Service Instant Cash Solution launched Instant Cash Solution Architecture Technical Specifications Smart Safe Accounting process Future Plans04
National Bank of Greece - Overview 60bn assets8.5mn customers 29bn loans8.4k employees 7.9mn revenues433 branches1460 ATMNational Bank of Greece established in 1841 played a key role in theeconomy of Greece throughout its 176-year history. Up until theestablishment of Bank of Greece it held the license to print money forthe Greek State. Today NBG heads one of the largest financial groups inGreece holding ¼ of the Greek market05
The new banking model - Digital transformationNetBranchesMobile BankingInternet BankingCustomerPOSΑΤΜ/APSContact Center
Digital Channels from 2010 to 2018Internet BankingMobile BankingActive UsersActive Users3%10.94724%i-bankNew InternetBankingi-bankCapitalControlsTotal Digital Revenues (IB, MB, ATM)New MobileBankingCapitalControlsTransaction transition2019 E787%ElectronicChannels 80%* adjustment07
Digital Transformation drives banking businessBranchesInternet BankingATMMobile BankingPOSAPSContact CenterSSKi-bank Pay SpotSmart SafeDigital channels provide the banking services needed in places where branches are expensive to maintain.08
NBG invests on Cash Recycling & Cash deposit ATMs and Smart SafesCash Recycling ATMsCash Deposit ATMsSmart SafesCash Recycling Capability (high volumes)Cash Deposit Capability (high volumes)Cash Deposit Capability (mid-low volumes)1. Remote Areas2. Branches3. Retailers1. Branches2. Retailers1. Retailers WithdrawalsMoney transfersMini statementsDepositsBill payments (Cards, Loans, Utilities, etc)Balance InquiresPersonalized Campaigns and Marketing WithdrawalsMoney transfersMini statementsDepositsBill payments (Cards, Loans, Utilities, etc)Balance InquiresPersonalized Campaigns and Marketing Deposits09
NBG Instant Cash Service – CIMA Smart Safe NBG established Instant Cash Service since spring 2018 NBG Cooperates with Mellon for CIMA Smart Safes Solution NBG launched the solution installing 4 CIMA Smart Safes at Acropolisticket offices in 2018 23 customers by end of the year The Instant Cash Service solution implementation (ATM vs Smart Safe) isbased upon the volume of cash Monthly fees depend on the cash volume and the number of CITreplenishments per week. Instant Cash Service is rapidly expanding010
Instant Cash Solution Architecture011
Technical Specifications Online Deposits Capability to use one or more customer accounts ECB6 Compatible Canvas bag (4000 banknotes capacity) CEN III Safe Dimensions (Small Footprint: 455x685x1015) Deposit speed: up to 6 notes per sec012
Smart Safe Accounting process1. The Bank in cooperation with the customer defines the roles (admins andagents)2. Customer’s agent deposits money3. Agent can deposit money in more than one accounts4. The amount is credited in customer's account on line each time themoney deposit transaction is completed5. CIT empties Cima’s money bag6. CIT follows the ECB6 process when a counterfeit banknote is recognizedby the Smart Safe7. Accounting between CIT and the Bank is processed with quick and easyprocedure.013
NBG Manage Cash in Retail CustomersDeposits per month ( rsAugSepOctNovDec23 Customers014
Customer Experience No need to visit bank branches No CIT Cost On line deposit on its accountNBG Benefits Customer Satisfaction Long term contracts with Customers Increased Cash Deposits Increased Revenue (Monthly Fees)015
Future Plans More than 23 installations by the end of 2019 More that 30 prospect customers at the beginning of 2020 Plan to expand Smart Safe installations purchasing more Smart Safes bythe end of 2019.016
Thank youIoanna AlexandriDigital Business DivisionALEXANDRI.IOANNA@nbg.gr017
Payments Innovation Summit October 17-19 Rome, Italy . NBG offers a new service Instant Cash Ioanna Alexandri Digital Business Division October 2019 Europe ATM & Payments Innovation Summit Rome. 04 Agenda 1.NBG Introduction National Bank of Greece
