©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

DEVBRIDGE.COM Aurimas Adomavicius, President

BANKING TECHNOLOGY 2017 Improve Customer Experience through Operational Transformation and Investment in Emerging Technologies

©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

Customer Experience remains the focal point for 2017, as banks continue to invest in emerging technologies and

digitization accelerates.

©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

Consumer Banking

Commercial Banking Payments Trading

Core banking systems remain monolithic and detrimental to a nimble response to customer needs. As such, they are an opportune target for a Microservices strategy.

Seamless, faster payments as well as bundling of value-added services provide new revenue streams. Cybersecurity remains a top focus for risk agenda, while Cloud adoption will help recover costs.

While Customer Experience remains the focus, all four channels have to balance costs, maintain aging core systems, respond to compliance and security requirements.

©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

Three core challenges prevent Tier 1 banks from maintaining a competitive advantage while delivering products that customers love to use.

1. Lack of Speed

From ideation, requirements definition, to approval of business case and finally delivery banks often experience timelines of 2+ years.

The Customers Experience touch points are left stagnant through lengthy release cycles. The finished product misses the mark as the market evolves. Competitors have ample time entice customers with a better experience.

2. High Failure Rate

Initiatives are often too large, built the wrong way, for the wrong reasons. Risk is not managed, funding is structured to “get it right in one go.”

Procurement, funding and delivery run in waterfall, even if the Technology organization sees a benefit in Agile. Customers are not part of the product design process.

3. Rising Costs

Risk and compliance strategies drive up QA costs, managed infrastructure is slow and expensive, production issues can be catastrophic.

Testing remains a manual process that does not scale. Infrastructure is fragmented and lacks modern best practices of Continuous Delivery, infrastructure as a service.

©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

Such obstacles can be overcome by focusing on the following three areas of improvement:

Delivery model

Process automation

Agile training & collaboration

1. 2. 3.

Lean principals, agile, cross-functional teams, authority delegation.

To-down and bottom-up training. Co-working and

integrated coaching.

Best practices from CI, Failure Injection, QA

automation.

Applied Case Study

©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

Agent of Change: VP CIO Business and Corp. Technology Client since 2014

Core challenge: competitors outpace products to marketCanadian Tier 1 bank.

One of the top five banks in Canada, serving more than eleven million clients, and with over 40,000 employees.

Challenges

• Competitors outpace to market • Average Customer Experience on web and mobile • Technology debt on mobile banking • Growing QA costs and unpredictable uptime • Lacking DevOps • Delayed response to Risk and Compliance • Unsure of approach to innovation

While the fleet may be slow, think of cross-functional lean teams as multi-role fighters that can act independently.

©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

Products are broken down into iterations and multiple releases, reducing and managing risk of failure.

©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

Automation through DevOps, Continuous Integration, Failure Injection Testing lower operational costs and

improve uptime.

©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

We selected Mobile Banking as a pilot product to demonstrate success, introduce process change

and win senior executive buy in.

©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

In Record Time To Market

The mobile banking experience was launched across four platforms in six months - start to go-live.

6 months

Lean requirements Design, development QA strategy DevOps

Branding removed

©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

Value (waterfail)

Req’

s Technical debt

Time

Value delivered (Agile)

Lean

req’

s

Prot

otyp

e UT

of P

roto

type

Sprin

t 1

Sprin

t 2

Sprin

t 0

Sprin

t 3

Sprin

t 4

MVP Po

st re

leas

e

We were able to demonstrate value along the way, eliminating risk, involving customers and winning buy in.

©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

Devbridge Group delivered 400% faster and spent 1/4 of the budget compared to other similar initiatives at the bank.

©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

June Jul Aug Sep Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov

Training & Collaboration

Throughout delivery Devbridge and bank teams worked together, while dedicated coaches spread the knowledge

with executives as well as working teams.

Lean Requirements

Executive Training

Team Training

Delivery Starts

Product Go To Market

Team Retro

Executive Training

Team Training

Ongoing Coaching

Expand Portfolio

Ongoing Coaching

Lean requirements, story mapping and prototyping coached by co-working together with internal teams.

©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

We focused on establishing a scalable transformation within the business and technology organizations at the

bank, priming for the following disciplines:

Design Thinking

Agile Delivery DevOpsLean

Req’s

Effectiveness & success

Speed & cost

Quality & maintainability

Speed & alignment

Discipline

Outcome

©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

0

12.5

25

37.5

50

June August October December February April June August October December

Full time Devbridge members through time

Open local office Scale PMO (5 PM’s)

Scale delivery to 6 teams Hire additional PM

Hire design lead

Add two teams by EOY

To date, Devbridge extended the client with a dedicated, scalable, quick delivery organization while lowering costs.

Commercial Banking portfolio is now 80% agile.

Why Choose Us?

We partner with banks to create complementary, cross-functional product teams that align closely with

customer and business needs while facilitating an agile transformation.

Payments

Go-to-Market Speed Vertical Expertise Complete Transparency ScalabilityLean requirements, rapid prototyping, and a get-things done attitude takes your product to market two to four times faster than traditional delivery methods.

Product Management, Design, Software Engineering, and Quality Assurance are blended into highly experienced, cross-functional teams that extend your innovation prowess.

Metrics-driven Product Management with proprietary PowerUp app helps everyone stay on the same page. A functional product is delivered every two weeks for acceptance.

Agile training and DevOps disciplines help scale your business capacity to manage more products with current staff. Our delivery teams are a variable resource you can scale up or down for delivery.

Our thought leadership in financial services technology, unique agile approach and cross-functional teams position us to succeed as the customer experience engine for your institution.

FASTER2X

TRANSPARENT100%

0

48

6 PRODUCT TEAMS

Commercial Banking

Retail Banking

Use our PowerUp application to monitor all activity on your product portfolio using agile metrics, down to individual time entries from the team.

Transparency

©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

Design Software Engineering

LEAN REQUIREMENTS

ROADMAP PLANNING

BACKLOG & DELIVERY

ARCHITECTURE

DEVELOPMENT

QA

DEVOPS

USER RESEARCH

USER EXPERIENCE

INTERFACE DESIGN

USER TESTING

Three Disciplines, One TeamOur cross-functional Product Teams leverage the skill sets of three disciplines - Product Management, Design and Software Engineering, enabling lightning quick decision making and 2X faster delivery to market.

2013, 2014, 2015, 2016

250 FULL TIME STAFF

80% CLIENT RETENTION YEAR OVER YEAR

4 WORLDWIDE LOCATIONS

Local Experience, Global ValueDevbridge Group provides 24 hour service coverage for clients in North America and Europe. Offices in North America are strategically located to integrate with financial services institutions in regional markets.

©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

Next Steps: Demonstrate value through a prototype

Demonstrate how quickly value can be created within your organization. Start with a pilot program:

Getting Started• Set the vision for the pilot program • Secure 4 hours of stakeholder (up to 10) time for a workshop • We will run lean requirements workshop • We will produce an interactive prototype • We will test the prototype with your customers • We will demonstrate value within a matter of weeks

Click here to learn more about this process and the outcomes. Outcomes

Alignment and Buy In Shared understanding

Funding Roadmap for delivery

Product Strategy ROI and requirements

Test & revise

Prototype

©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

Appendix: Further reading

• Moving Away from Monolithic Architecture • 6-point Plan for Microservices Architecture • Setting up Continuous Integration

Agile Transformation

• Agile Transformation Toolkit • 4 Advantages of Agile Over Waterfall • Five Steps for Agile Transformation in Financial Services • Documented Failure - Avoid Detailed Requirements

Product Thinking

• Three Innovation Myths Debunked • Avoid Failure with Rapid Prototyping • Defining an MVP • Innovate with Product Thinking

Microservices & DevOps

©2017 Devbridge Group LLC. The information contained in this document is confidential and only for the information of the intended recipient. It may not be used, published or redistributed without the prior written consent of Devbridge Group LLC.

Thank You.DEVBRIDGE.COM Aurimas Adomavicius, President aurimas@devbridge.com 630.776.2771