BCG-汇丰银行HSBC三种数字化银行模式研讨-20150209.pptx

1、Potential Digital Bank Models For Discussion February 9,2015 HSBC-Digital_ThreeModels-09Feb15-vF.pptx 1 Draftfor discussion only Copyright 2014 by The Boston Consulting Group,Inc.All rights reserved.Three options for HSBC to realize the digital ambition Potential Value proposition Simple Direct Bank

2、(as a classic direct bank)White Label Bank(leveraging expertise&analytics)Ecosystem Bank(providing e2e vertical solutions)Local competition e2e FS solutions focusing on key themes in China via building an ecosystem Direct bank with simple products and convenient customer experience Provider of banki

3、ng capabilities to partners,e.g.,while label solutions Travel Partner A Partner B Housing Family Heath.010101010101010101010101010101 010101010101010101010101010101 010101010101010101010101010101 010101010101010101010101010101 010101010101010101010101010101 010101010101010101010101010101 Partner .15

4、 direct banks so far CMBC Direct as the most successful one(1.3mio customers in 10 months since launch in Feb 2014)Creation of a FI-to-FI platform to support Digital for non-banking players,eCommerce firms,investment platforms etc.through partnerships Examples:Alibaba:shopping and Health in focus Pi

5、ng An:food,health,travel,home,entertainment 1 2 3 HSBC-Digital_ThreeModels-09Feb15-vF.pptx 2 Draftfor discussion only Copyright 2014 by The Boston Consulting Group,Inc.All rights reserved.Simple Direct Bank Examples:Minsheng Digital Bank,Orange Bank Insurance Securities Investment Bank Trust 3rd par

6、ty traffic partners(e.g.,China Telecom)1 HSBC regulated entities HSBC Digital Bank Definition of clear consumer value proposition and MVP Streamlined processes for remote a/c opening&strong/weak a/c Partnerships with partners seeking to enter FS Front Back Commercial or JV partnerships HSBC-Digital_

7、ThreeModels-09Feb15-vF.pptx 3 Draftfor discussion only Copyright 2014 by The Boston Consulting Group,Inc.All rights reserved.Yonghui Bank SF Bank White Label Bank Examples:Marks&Spencer Financial Services Insurance Securities Investment Bank Trust 3rd party traffic partners(e.g.,China Telecom)2 HSBC

8、 regulated entities HSBC Digital Bank JD Bank.Series of white label banks,through partnering with non-financial conglomerates seeking to enter banking and operating on HSBC China FI-to-FI service platform HSBC-Digital_ThreeModels-09Feb15-vF.pptx 4 Draftfor discussion only Copyright 2014 by The Bosto

9、n Consulting Group,Inc.All rights reserved.Yonghui Bank SF Bank Ecosystem Bank Example:Ping An Groups Five Ecosystems in Food,Health,Travel,Home,Entertainment Insurance Securities Investment Bank Trust 3rd party traffic partners(e.g.,China Telecom)Health Food Travel Education Entertain-ment Health s

10、tatus Case Files.Consumption history Dieting habit.Schools Tutors Online learning Buying info Vehicle usage.Life circle Risk appetite Vertical ecosystems to acquire active users 3 HSBC regulated entities Big data customer analytics engine HSBC Digital Bank JD Bank.Series of white label banks,through partnering with conglomerates seeking to enter banking and operating on HSBC China FI-to-FI service platform