INTERNAL USE ONLY

OJK Institute
Webinar Pemanfaatan Analisis Big Data dalam Meningkatkan Kinerja Industri Jasa Keuangan

Pemanfaatan Analisis Big Data

pada Perbankan
Indra Utoyo
Direktur Utama AlloBank

30 Maret 2023
 INTERNAL USE ONLY

“Paradigma Baru dan Tren Teknologi

Perbankan”
 Shifting in Habit: INTERNAL USE ONLY
Everything is Moving and Innovating Digitally

E-commerce remains to be Indonesia’s main growth driver with 54% YoY. Covid-19 also unlocked

PLATFORMS
an opportunity for HealthTech and EdTech platforms.
Everything is

DIGITAL
Moving to Digital
• Digital Platforms Online Retail Food Delivery Health Tech Ed Tech
• Financial Services
• Business Operations
Consumers and SMEs have adopted Digital Financial Services more than before.
FINANCIAL
SERVICES

Ripen Digital
Adoption Insurance Digital Lending Online Investment Digital Payment
OPERATIONS
BUSINESS

On-Demand &
Integrated Solutions
Remote Innovation to Cater Broad M&A with Digital
Partnership
Working Range of Needs Platforms/Bank/Fintech

Source: McKinsey, 2021; e-Conomy SEA 2020, Google, Temasek Bain & Company
3
 Banking Technology is Continuously Growing INTERNAL USE ONLY

“The world
need
Bank 1.0 Bank 3.0
Branch banking, Online Banking, banking
negotiable instrument Mobile Banking
services, but
not
necessarily
banks.”
What's
next Bill Gates

Bank 2.0 Bank 4.0

Payment cards, Automated Digital Wallets, Social
Teller Machine Media Banking, AI-
based Banking
Source: https://www.appknox.com/blog/infographic-evolution-of-banking
Today, a number of emerging customer, competitive & tech trends are INTERNAL USE ONLY
setting the stage for a potential unbundling of the banks’ value chains

Open, API Standards Heightened expectations

Robotics and cognitive capabilities Mobile connectivity

Scalable next-gen
infrastructure (e.g. cloud) Informed decisions

Increasing capital and

compliance burdens Best-of-breed consumption

Product-based Emergence of non-

competition traditional players

Reduced risk Expansion of institutional

appetite capital to retail

Source: Deloitte
Banking Technology Trends INTERNAL USE ONLY

Open Banking
(Open API)

Hyper Automation
(Operational, DevSecOps)

Low-Code/No-Code
Platform

Customer Insight
Analytics

Blockchain Platform
(CBDC & NFT)

Natural Language
Technology
(AIOps & DataOps)

Industry Cloud
Platforms
 INTERNAL USE ONLY

“Peran Data dan Analitik di Era

Digital Banking”
Digital Initiatives Model in Financial Industry INTERNAL USE ONLY

• KYC
• Data Privacy
• Anti Money Laundering
Regulatory • Risk Management
• Information Disclosure
Compliance • Investor Sustainability

Still apply with no change

Changed by FinTech
Customer
• Service embedded in scenario • Big Data & AI – improve risk
• Risk control based on real
Centric Technology assessment & Customer engagement
transaction, manageable Product • IoT & Cloud make risk control efficient
• Acquire data move efficiently • Biometric facilitate KYC for rural
• Blockchain – trusted system
 INTERNAL USE ONLY
Digital Value Roadmap to Enter Open Banking Era

Source: Thoughtworks, Embrace the Ecosystem

 Contextual Banking Value INTERNAL USE ONLY
Growth Through Customer Engagement

Customers are thinking about their needs,

Wellness
1 not necessarily your products
Banks should think about users, uses, and usage of banking
products in the context of serving those motivations and
aspirations and uncovering new value.

The post-channel experience is the new

2 omni-channel
Banks should design customer experiences that are untethered
from channel thinking. These experiences should be continuous
and intuitively guided by the customer across all endpoints of
their journey

3 Be a customer intelligence-led business

A customer-intelligence-led operating model based on next-
generation data architecture and advanced analytics capabilities
is critical to help banks fulfil customer needs

Source: Deloitte in Focus (2018)

 Build Value More Than Just Digital Products INTERNAL USE ONLY

In building digital propositions, we need to create added value by understanding what the consumers are expecting
from our products/services:

Social
Impact Self Transcendence

Hyper-personalization will be a
new area of focus as
institutions race to meet rising
consumer expectations. Experience
Life- Motivation Self Actualization (EY, 2021) Value
changing
Hopes Acceptance/Sense of Belonging
Platform
Value

Entertaining/ Cost
Reduce Anxiety Accessible Gamification
Emotional Value
Well-designed Therapeutic Value
Trustworthy Nostalgia
(UI/UX)

Time-saving Mitigate/Reduce Integration Inform

Functional Risk Broad Variety
Avoid Hassles/
Simplify Organize Quality
Reduce Efforts

Source: Element of Value, Bain & Company

Enabling Hyper-Personalization with Big Data & AI INTERNAL USE ONLY

Big Data & AI Implementation in Corporations

Smart & Responsible

Digital Banking
Services

AI for hyper-
personalization

Predictive behavior

Enable ecosystem
collaboration to offer
digital banking services
as cross-sector
experience
 Transforming Bank using Data
INTERNAL USE ONLY
Streamlining Bank Capabilities to Create Values
Big Data Analytics Benefits for Banking Industry
Improved customer experience
Big data analytics can help banks gain a better understanding
of their customers and their behavior, enabling them to provide
personalized products and services that meet their needs.

Enhanced risk management

Big data analytics can help banks identify and mitigate risks in
real-time, reducing the likelihood of fraud and improving
regulatory compliance

Increased operational efficiency

Big data analytics can help banks optimize their operations and
processes, reducing costs and increasing productivity

Better decision-making
Big data analytics can provide banks with actionable insights
that can inform strategic decision-making, improving the
accuracy and speed of decision-making

New revenue opportunities

Big data analytics can help banks identify new revenue
opportunities by analyzing customer behavior and identifying
unmet needs

Competitive advantage
Big data analytics can provide banks with a competitive advantage
by enabling them to make better decisions, provide more
personalized products and services, and operate more efficiently
Source: McKinsey (2021)
Data Composability INTERNAL USE ONLY
Data as a Product Approach
Traditional Data Consumption approach Data Product Approach

Build solutions by leveraging standardized data

products and wiring technologies together
following consumption archetype patterns

Reduces work,
Simplifies enterprise data architecture,
Decrease the time it takes to realize value
Source: HBR July-Aug 2022
Studi Kasus Data Analitik di Perbankan INTERNAL USE ONLY

“Experience A Simple Life”

 Ecosystem Collaboration AlloBank and CT Corp BUs INTERNAL USE ONLY
All in One, One for All
1400+ 2000+
FINANCIAL OFFLINE
NETWORK STORES

2M+ SQM 1M+

RETAIL DAILY
SPACE RETAIL
VISITORS

Penetrating all business apps across the CT Corp

ecosystem to offer unified MPC experience
and integrated banking services
MPC Points e-Wallet Bill Payment Pay Later

Allo Prime QRIS Payment Cash in-out Cash Loan

Ecosystem First: INTERNAL USE ONLY
3 Key Building Blocks for Allo Bank’s Hybrid Banking Model

CT Corp Ecosystem Strategic Partners of

AlloBank & more
1 Ecosystem to drive
acquisition,
engagement & &
monetization
Captive borrower base of ~200mn+
customers

Allo Bank Application Physical Channels

2 “Phygital”
infrastructure to Ratings
provide optimal App Store &
banking access in Tier
1, 2, & 3 cities Google Play
Wireless Carriers

3 Most advanced
technology & data
capabilities

AI & Machine Big Data Cloud & API Composable

learning Architecture
Case Study: AlloBank INTERNAL USE ONLY
Data Management Framework

Master Data Data Data Data Metadata Data-Driven

Management Lineage Quality Security Management
Organization
Center of Democratizing Data
Capabilities Vision Data-Driven
Excellence
Credit Scoring
Customer 360
Business Data Customer Customer Product
Metrics Visualization Segmentation Profile Analytics
Self-service Data

Data Data Data Data Data

Fraud Monitoring
Data Lake
Architecture Modeling Pipelines Transformation Warehouse Decision Support
System
Technical Scalability/
Servers/VMs Storage Network
Extensibility
Automation Dashboarding & Reporting
Architecture

Foundational Capabilities Output-Outcome

Case Study: AlloBank INTERNAL USE ONLY
Business Intelligence Dashboard & Self Service Analytics

Business Dashboard & Regular Reporting Self-Service Analytics Dashboard

Ecosystem Partners Dashboard

Data For Business Dashboard
D4B Customer Transaction from Partnership, Allo Acquisition, MVP Dashboard,
Customer Bank Activity Growth, Allo User Demography Business Unit Tracking, Daily Business Unit Claim, etc

Self Service Analytics

Function-Specific Dashboard
Operation : Transaction Monitoring Dashboard,
Analytics Transaction, Marketing : Social Media
Sentiment Analysis, etc
Asset Quality, Open Account Monthly / Daily,
Operational Performance Allo Buddies Acquiring, etc
Dashboard & Reporting
Loan Daily Dashboard, Qris MPM Transaction,
Outstanding Report, Credit Utility, etc
Case Study: AlloBank INTERNAL USE ONLY
Micro Marketing Approach for CT Corp Ecosystem and Beyond

Trans Shopping Mall

XXI

Trans F&B

Transmart
 INTERNAL USE ONLY

Terima Kasih