Digital Banking: Enhancing Customer Experience; Generating Long-Term Loyalty

Digital Banking: Enhancing
Customer Experience;
Generating Long-Term Loyalty
To stay profitable and grow in the new digital economy, banks
need to adopt a customer-centric business model, diversify
online delivery of products and services channels, and begin
making meaning from valuable trails of digital information.

2 KEEP CHALLENGING March 2014
Executive Summary
The banking industry’s efforts to shift to digital channels have been halting,
at best — a business unit here, an upstart department there. But given the
industry’s financial pressures and global economic uncertainties, there
is increased urgency — and opportunity — to adopt a holistic approach to
going digital and integrating that strategy across the banking ecosystem.
Embracing a fully digital strategy requires end-to-end modernization of
a bank’s often outdated infrastructure. Equally important, it requires a
transition from an account-based view of banking customers to one that
knows them as individuals and enhances the customer experience with
relevant, convenient and personalized products and services.
However, customer focus is often a stretch for the banking industry. When
it comes to innovation, banks have been relatively slow movers as a result
of regulatory and compliance challenges. It took PayPal to revolutionize
online payments, and Square to extend personal payments so smartphone
users could easily pay for goods and services.
Digital modernization gives traditional banks a second chance. A smart,
enterprise-wide approach positions them to deepen customer satisfaction
and loyalty, driving long-term relationships and profitability. Such an
approach also has the potential to meet consumers’ expectations and bring
banking back to the bank.
The following elements form a clear model of success for banks:
• Smart management of information is vital to digital banking. Banks
need to marshal online data — the unique virtual identity for each
individual that we call a Code Halo™ — to offer their customers
personalized attention.
• Banks need to act, but more important, they need to act strategically.
Providing the cohesive, cross-channel experience that customers expect
Digital modernization gives traditional banks a second
chance. A smart, enterprise-wide approach positions
them to deepen customer satisfaction and loyalty,
driving long-term relationships and profitability.

DIGITAL BANKING: ENHANCING CUSTOMER EXPERIENCE; GENERATING LONG-TERM LOYALTY 3
requires an enterprise-wide approach that can be implemented in
localized ways, such as for specific lines of business and functional areas.
• Although the ROI of digital banking is substantial, the costs are steep
for not adopting digital banking. Costs include lost opportunity, customer
attrition and stagnation in new-customer growth and product sales.
• Embracing the holistic shift to digital and its streamlined, cross-
channel approach requires banks to evaluate their options carefully and
select the ones that best fit their strategy.
• An enterprise roadmap is a key prerequisite for implementing a digital
banking program. The roadmap balances key customer values (loyalty,
convenience, relevance, interaction and mobility) against the bank’s
values (profitability, loyalty, operating efficiency, market expansion and
risk mitigation).
This white paper is the first installment in a three-part series that explores
digital banking as a vital strategy. We look at how banks can convert
the inefficient use of capital in fixed assets and operating expenses into
manageable, consumer-centric experiences that contribute to revenue
uplift and cost reduction. Part 2 of our series explores digital banking’s
focus on customers. Part 3 describes the organizational and technology
changes required for traditional banks to make the shift to digital.

Customer Relationships as New Sources of Value
Before the global economic crisis of 2008-2009, the banking industry created share-
holder value through financial leveraging. Today’s increased regulations and com-
petitive challenges are forcing banks to deleverage and identify alternative sources
of value. Enter digital banking. New digital models steer banks in the direction of
customer relationships that present new sources of value. The focus is on engaging
customers and building trust in the key activities of digital banking: marketing and
sales; customer onboarding; and account opening and servicing.
Banks have their work cut out for them. Consumer trust vanished from the banking
system after the global financial crisis. Deeply hurt by large banks, customers
turned to smaller banks and credit unions to manage their personal finances. Use
of non-bank lenders, payment processors and financial information sources (both
personal and general) increased as never before.
Digital technology gives banks the opportunity to regain their relevance with
customers, and the heart of that connection is data. Every consumer click, swipe,
comment and search creates a unique virtual identity that we call a Code Halo.1
Indeed, managing Code Halo thinking is vital to banks’ digital transformation (see
sidebar, below). Strong financial products and services are still essential. But smart
management of digital information — the Code Halos — can deepen customer rela-
tionships and generate new revenue streams. Organizations that compete in this
way understand how to create, share and apply meaning from Code Halo inter-
sections. And increasingly, these companies are the winners in their markets (see
sidebar, page 11).
Quick Take
Before banks can begin managing Code Halos and digital
transformation, they need to understand the extent of
their industry’s disconnect with customers. Consumers
are increasingly integrating the personalized virtual world
with the “real” world. Personal technology has changed
many aspects of their personal lives: how they connect
with friends, ask for directions and collaborate with
colleagues.
But not how they get their cash.
Upon inserting their bankcards into ATMs, most customers
see a screen that reads, ”Press 1 for English. Press 2 for
Spanish.” Really? This sophisticated financial services
institution, with billions in assets and branches around the
world, doesn’t know which language a customer speaks?
It knows checking and savings account balances. It holds
loans on customers’ cars and homes, knows their net
worth, and maintains records of every transaction.
But it doesn’t know what language they speak.
The inconvenience is minor, but it underscores how ATMs
and bank tellers know only the transactional data in their
systems of record, rather than what is in customers’
Code Halos. To customers, the banking experience leaves
them feeling disconnected. What happened to that
pleasing online interaction they experienced with sites
like Pandora, Amazon, Hulu and Netflix, which know not
only what language they speak, but also their likes and
dislikes? The sites know such details because they see
what ATMs and bank tellers can’t. They see Code Halos.
(To learn more about Code Halos and the new rules of
success, download “Code Rules: A Playbook for Managing
at the Crossroads,” http://www.cognizant.com/Futureof-
work/Documents/code-rules.pdf.)
Adapted from the upcoming book, Code Halos: How the
Digital Lives of People, Things, and Organizations are
Changing the Rules of Business, by Malcolm Frank, Paul
Roehrig and Ben Pring, published by John Wiley & Sons.
Code Halos: A New Model for Digital Banking

Creating Value from Information
Banks, too, can make meaning from the digital information that surrounds people,
organizations and devices (see Figure 1). In fact, in a recent study that we conducted
with Oxford Economics, the banking and financial services industry generated
more value than any other sector from the ability to compete on code. Analytics
is proving especially profitable, with companies in the financial industry indicating
that 10% of revenue and 10.1% of costs are directly affected by how well they make
meaning from business information.2
The competitive landscape in banking and financial services has changed, and
standing still is not an option. The challenge lies in the trade-off between investment
and expected return on investment (ROI). Is banks’ best path to rationalize, refactor
and optimize the existing systems and infrastructure? Or is it to improve, adopt and
transform new paradigms?
For large banks, a key concern is brand reputation, which can be affected by
multiple channel offerings that deliver different customer experiences, often with
somewhat divergent data and results. For small banks, the central question is one
of investment and returns.
Strong financial products and services are still
essential. But smart management of digital
information — the Code Halos — holds the
potential to deepen customer relationships
and generate new revenue streams.
Value
Trust
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Figure 1
Generating Value from Digital: An Outside-in View

Customers Are the New Focus
Regardless of their size, profitability and growth demand that banks focus on
serving customers at the right time, with the right level of service and at the
right cost. Several factors are driving this customer focus. Number one, today’s
customers expect personalized pricing and portfolio mixes. Banks that can’t deliver
will suffer reduced profitability. While banks, by default, sell every product to every
customer, digital banking allows customization, providing the data and analytics
capabilities needed to examine each customer’s profitability and offer individual-
ized or segmented products and pricing.
Second, churn is occurring more frequently than ever. Many customers choose — and
switch — banks based on convenience and quality of service rather than on product
and service features. In some countries, government regulations are encouraging
additional churn. In the UK, where banking rules made it difficult for customers to
switch providers, the enactment of new rules now makes it easy for customers to
change banks and even take their account numbers with them.3
Additionally, with non-bank entrants firmly established in the payments and lending
areas, these lucrative lines are at greater risk for attrition. The growth of Quicken
mortgages is an important example. (For more on banking’s new customer-centric
shift, read the upcoming second installment in our series, “It’s All About Customers.”)
And lastly, customers expect to experience banking without boundaries, just as they
do in retail and other industries. What matters most to them is how they experience
the bank’s brand, regardless of the channel.
To provide the cohesive, cross-channel experience customers expect, banks need
to take a holistic approach. Digital banking scales and succeeds only when it’s
approached from a broad point of view that allows for increased customer satisfac-
tion and informed cross-selling and up-selling. Although an enterprise-wide digital
strategy is necessary, banks can successfully implement digital banking in localized
ways, for specific lines of business, departments or divisions. An evolving approach
that occurs over time can help banks avoid the necessity of change management
exercises that can disrupt operating models.
Digital Banking’s Return on Investment
What is the ROI of digital banking? It’s the combination of lower channel costs, plus
increased revenue for the benefit period, minus the cost of deployment amortized
over its useful life, multiplied by the internal cost of funds for that period.
Beware, however, that there is no benefit until digital adoption is achieved at scale.
The benefit drivers include digital self-service, churn reduction and new customer
and product acquisition. This reality must be taken into account for ROI analysis,
along with the cost of any marketing, loyalty program or other pricing benefit used
to encourage digital adoption.
What is the cost of not implementing digital banking? Lost opportunity and
relevance. Over the next two decades, banks that fail to incorporate a new way
Although an enterprise-wide digital strategy is
necessary, banks can successfully implement
digital banking in localized ways, for specific lines
of business, departments or divisions.

of doing business will experience a steady increase in customer attrition and
stagnation of new-customer growth and product sales.
Consumer products and lines of business provide an especially potent opportuni-
ty to reduce call volumes and branch visits that don’t add value. However, these
same customer interactions are likely to cause a good deal of digital leakage; in
other words, they add no value by nature of the call channel itself and should
largely be replaced by digital self-service. These interactions result in unnecessary
human assistance should digital channels provide an uneven self-service capability
(see Figure 2).
Few banks can marshal the resources and program management to address digital
modernization across the entire bank topology all at once. An approach that breaks
down these modernization activities into manageable projects, each with their own
ROI, is recommended.
Digital Bank Initiatives Lead to Innovative
Business Models
Digital modernization requires banks to reinvent their core businesses of lending,
retail banking and payments (see Figure 4). It replaces branch investments with
less expensive digital channels that enable banks to build economies of scale with
a much lower capital investment. It also generates revenue more quickly so banks
Savings and Deposits
Small Business
Credit Cards
Consumer Loans
Commercial Loans
Mortgages
Retail Investments
Value of Call Channel High ValueHigh Leakage
Wholesale Banking
Financial Advisory
Trust and Custody
ComplexityofCallProcessesComplexSimple
Private Banking
Size of bubble indicates call volume
Note: This figure is constructed from Cognizant survey data and depicts banking lines of business. Bubble size
represents average call volume. Toward the top of the figure are lines of business with a higher propensity of
calls, which should easily be replaced by digital self-service functionality. Toward the bottom are the more “com-
plex” calls requiring human interaction because they are high-value sales or relationship-based. The bottom axis
shows the degree to which “digital leakage” is likely occurring — that is, they add no value by nature of the call
channel itself, and in a perfect world, they would be largely replaced by digital self-service. There is an order of
magnitude of savings of $15 to $1 in human-assisted vs. digital self-service.
Figure 2
Sources of Probable Digital Leakage

Figure 3
Quick Take
The technologies required for a digital banking implemen-
tation fall into seven discrete areas of strategy around the
emerging SMAC Stack (see Figure 3).
1. Infrastructure: Few banks have the integrated infra-
structure in place to enable the seamless retrieval,
storage and distribution of information and data,
both up- and downstream. Cloud technologies lend
themselves to digital innovation with their security,
reliability and elasticity. The cloud can also serve as
a flexible integration layer, accommodating off- and
on-premise applications that need to be integrated into
the digital architecture, as well as digital app delivery.
2. Data: Precise information is the key to understanding
bank customers and creating unique digital personas
for tailored interactions. Financial instruments and
transaction processing, however, typically involve
the exchange of large volumes of data from multiple
sources. It’s a mammoth task: data management
accounts for 92% of the cost of the financial services
business, according to estimates.
Digital banking requires a new set of plans and policies
to control, protect and enhance the value of data and
information assets. This effort includes reference archi-
tecture components of a master data management
(MDM) strategy, unified information delivery (reporting)
and information integration. Global data semantics
include industry-standard data models like IFX/FDSM,
as well as the definition of supporting processes and
structures, including data governance, data quality and
data organization.
3. Content: An enterprise content management roadmap
for digital banking includes storage, management,
workflow, process, integration, BI, analytics, reporting,
information architecture meta-model, content type, and
lifecycle and syndication methodology. It also includes
consolidation, migration and a search strategy, product
evaluations and adoption strategies.
4. Business process: Process components include a
service orientation, governance, technology adoption,
process orchestration, tuning and optimization, rules
engine adoption and enterprise service bus adoption.
5. Analytics: Analytics capabilities include multi-dimen-
sional analysis by geography, customer type, product,
traffic source, channel, campaign, Web page, scenario,
IVR path, and speech to text. They also include data,
Web site and real-time content analysis, user profiling
and segmentation, campaign optimization, time and
path correlation, frequency and monetary analysis.
Also important is the ability to track customer behavior
to correlate with revenue-driving activities and nurture
cross-selling opportunities.
6. Social and mobile: Information must be accessible
from anywhere and from any mobile form factor. Other
key components include social media and collabora-
tion for external client-facing business applications
and for internal productivity improvements, gamifica-
tion for customer engagements, the digital app store
as a one-stop shop for mobile business applications,
authentication and access security.
7. User experience: A consistent user experience needs
to be provided across all major interaction touchpoints.
Other key factors include an information architecture,
personas, wireframes, screen flows (process UI), visual
design, interactive mockups, campaign management,
branding, search engine optimization, user experience
and session management, responsive Web design,
usability, prototyping and UI technology.
Digital Technology: Seven Strategic Areas to Consider
Data
Strategy
Content
Strategy
Infrastructure
Strategy
Business
Process
Strategy
Analytics
Strategy
Social and
Mobile
Strategy
Digital
StrategyUser
Experience
Strategy
1
2
3
4
56
7
Going Fully Digital

can attract more capital. Social mobile, analytics and cloud technologies, or the
SMAC Stack™, are digital modernization’s foundational elements, as they enable
increased micro-segmentation and personalization (see sidebar, opposite page).
There are several factors that influence the shape of digital banking programs, and
banks need to carefully select the options that best fit their strategy.
• Channels. Which channels can, and should, banks dominate? For smaller banks, a
mobile channel strategy may be the best choice rather than investing in a state-
of-the-art digital branch infrastructure. For larger banks, a diversity of branch
designs is an option, as are kiosks, smart ATMs, digital recognition technology,
video and enhanced personal banking tools and offices.
• Partnership and acquisition models. Banks can offer digital services directly, or
they can partner with or acquire young companies to gain digital capabilities and
processes. BBVA recently acquired Simple, an American online banking platform,
for $117 million. BBVA, with €607 billion in assets and 50 million customers, be-
lieves traditional banks are losing their monopoly on banking. In an opinion piece
in the Financial Times,4
BBVA warned that banks face certain death unless they
take on the likes of Amazon and Google. New entrants lack the legacy costs that
burden banks, and they can tempt clients with convenient mobile apps.
• Revenue models. E-commerce business models build on the potential for gen-
erating multiple transactions from individual customers. Online banking goes
Figure 4
Digital Banking’s Multi-dimensional Attributes
Key Activities
Key Resources
Key Partners
Value
Propositions
Customer Relationship
Channel Value to Bank
Cost Structure Revenue Structure
1. Capital
2. Sales channels
3. Branches
4. Employees
5. Sales brokers
(Lending)
1. Credit pricing/lower credit volumes
2. Cost of compliance
3. Cost of capital (lower interest rates
so lower deposit volumes)
4. Broker fees
1. Subscription (annual fee)
2. Bait and hook (free checking, debit card-based
payments, transactions using checks)
3. Free channel services promoting bill pay, etc.
4. Merchant-funded offers
1. Payments
2. Lending
3. Deposits
1. Digital partners
(Moven)
2. Merchants
3. Payment
networks
4. Telcos
5. Technology
partners
6. Logistics
partners
1. Convenience
2. Self-service
3. Trust
4. Liquidity
1. Customer lifetime value
2. Improve customer engagement
3. Loyalty
4. Repeat transactions
1. Convenience
2. Self-service
3. Trust
4. Liquidity
Sales Service
Branch H L
Web H H
Mobile H H
ATM H L
Kiosk H H
Video H L
IVR L H
Chat L L
Call Center H L
Social H L
Customer
Segment

beyond single transactions by focusing on interactions and loyalty that serve to
maximize customer lifetime value.
A bank’s choice of digital business model is also heavily influenced by other factors:
• Processes for sales, customer acquisition and customer service.
• Customer experience with automation, self-service and assisted service.
• Product pricing and design, as well as the cost structures supporting them.
• Underlying incentives and compensation systems.
The Enterprise Roadmap: A Key Prerequisite
for Digital Banking
Before embarking on a digital banking program, organizations need to develop an
enterprise roadmap (see Figure 5). The roadmap needs to balance key customer
values (loyalty, convenience, relevance, interaction and mobility) with the bank’s
values (profitability, loyalty, operating efficiency, market expansion and risk
mitigation). The roadmap begins with a conceptual view underpinned by governance,
readiness and discipline. It approaches the most valuable problem dimension first
— “predict and prevent” — to create a superior customer experience that embraces
Code Halo thinking to radically improve satisfaction and enable customers to choose
self-service first. (For more on the technology behind digital banking, read the third
installment in our series, “How to Transform Your Bank Using the Power of Digital.”)
Banks must also develop a comprehensive business plan to eliminate organizational
and procedural constraints across lines of business and to deliver value to internal
and external stakeholders.
A cornerstone channel optimization strategy is critical. As channels evolve to create
seamless, integrated customer experiences, and to leverage analytics for changing
customer behavior across all touchpoints, the focal point of the effort must not be
the channels themselves but the customer.
Marketing and Sales
Cross-channel collaboration and
salesforce enablement
Cross-channel customer, 360-degree,
lead and insight capture and delivery
Cross-channel marketing
and sales enablement
Multi-mode channel listeners
Insight-driven origination
Status tracking, status reporting
and customer communications
Cross-channel application management
Analytics modeling and insight delivery
Cross-Channel Process, Case and Data Management
Reporting and dashboarding
Cross-channel service management
Customer experience management
Personalization and self-service
Customer Onboarding and
Account Opening
Servicing
Figure 5
Digital Banking Enterprise Roadmap

Building a Digital Organization Structure
Many banks operate in silos that do not offer integrated service offerings, digital
or otherwise. Such compartmentalization is the result of traditional organiza-
tional management approaches that segregated offerings by and within lines of
business and by product and channel. The accretion of legacy technology over
time exacerbated the problem. However, outdated silo structures run counter to
digital banking’s holistic view of customers, and they have played a large part in the
industry’s painfully slow transition to online banking.
Digital banking breaks through organizational barriers. It compels banks to rethink
organizational constructs, as well as revenue and profitability recognition across
the enterprise (see sidebar). The reorganization includes merging current lines of
business management and the enterprise-level product and technology functions,
as depicted in Figure 6.
Quick Take
We worked closely with a major diversified U.S. bank to
deliver a unique, differentiated experience for mobile
customers and visitors. The bank’s mobile marketing Web
site — the industry’s first — not only delivers rich, inter-
active features, but it also uses an integrated CRM and
digital marketing solution to identify thousands of leads
each month from its hundreds of thousands of visitors.
Keynote consistently rates the mobile site among the best
in its performance rankings.
The mobile channel is built on a content management
platform, integrated with digital marketing capabili-
ties, customer analytics and cloud-based CRM for lead
management. The digital marketing suite enables business
users to retain control of targeted mobile campaigns,
while the integrated CRM solution captures customer and
prospect leads to help drive customer acquisition.
In addition to creating the mobile channel solution, we
are working with this bank to enhance its online banking
platform and to seamlessly port millions of customers to
the new user experience. We are also helping the bank
create pioneering mobile programs, such as a photo bill
pay capability and Western Union money transfers.
Connecting with Customers — and Generating Leads
Digital Channel Strategy (Channel Owners, Channel Manager...)
Knowledge Management
Business Analysts
Requirement
UX Design
UX Developer
Experience
Information
Technical
Business
Architecture
Services
Data Design
Services
Functional
Nonfunctional
Testing
Environment
Release
Content Manager
Code
Release
Java Mobile SDL
Others
Development
ProjectManagementOfﬁce
Figure 6
Breaking Organizational Barriers

Looking Forward
Embracing a fully digital strategy requires banks to modernize end-to-end, and to adopt a customer-
centric approach.
Here are five steps that can help banks ensure that their move to digital banking will result in greater
customer satisfaction and long-term profitability.
1. Manage — and master — the information that’s vital to digital banking. For banks to create new
sources of value, they need to understand the data that makes up their customers’ Code Halos, each
individual’s unique virtual identity.
2. Act strategically. Providing a cohesive, cross-channel experience requires an enterprise-wide
approach.
3. Calculate the cost of not adopting digital banking: Lost opportunity, customer attrition, and
stagnation in new-customer growth and product sales.
4. Evaluate options carefully. Digital banking isn’t one-size-fits-all. Banks need to select the options
that best fit their organization and strategy.
5. Create an enterprise roadmap. A roadmap is a key prerequisite for implementing a digital banking
program.
Stay tuned for the next two installments of this series. Part 2 probes digital banking’s explicit focus on
customers, and Part 3 examines the organizational and technology changes required to make a full
digital pivot.
Footnotes
1
Malcolm Frank, Paul Roehrig and Ben Pring, “Code Halos: How the Digital Lives of People, Things, and
Organizations are Changing the Rules of Business,” John Wiley & Sons, April 2014.
2
Paul Roehrig and Ben Pring, “The Value of Signal (and the Cost of Noise): The New Economics of Meaning
Making,” Cognizant, October 2013, http://www.cognizant.com/InsightsWhitepapers/The-Value-of-Signal-
and-the-Cost-of-Noise-The-New-Economics-of-Meaning-Making.pdf.
3
“Bank Account Switching Service to Launch in September,” BBC News, Aug. 16, 2013,
http://www.bbc.com/news/business-23700012.
4
“Banks Need to Take on Amazon and Google or Die,” Financial Times Dec. 2, 2013,
http://www.ft.com/cms/s/0/bc70c9fe-4e1d-11e3-8fa5-00144feabdc0.html.

About the Authors
Steven DeLaCastro leads Cognizant’s Banking and Financial Services Business
Unit’s global “Bank of Tomorrow … Today™” digital banking program. With a
wealth of expertise in bank technology and operations, software, services and
consulting, he has held the titles of Chief Information Officer, Chief Operating
Officer, Senior Vice President, Managing Director, General Manager, EMEA Sales
Director, Regional Country Manager, Partner and Managing Partner. Steven holds
an M.B.A. and a BSc. in Business Administration with concentrations in operations,
finance and psychology. He can be reached at Steven.DeLaCastro@cognizant.com |
LinkedIn: www.linkedin.com/pub/steve-delacastro/0/240/309.
Simon Erdmann is Head of Cognizant Business Consulting in Germany, Austria &
Switzerland. He has over 15 years of experience in operations, management and
consulting for the retail, consumer goods and transportation logistics industries.
Simon studied at German Armed Forces University and VWA Essen. He can be
reached at Simon.Erdmann@cognizant.com | LinkedIn: http://de.linkedin.com/in/
simonerdmann/.
Ashwin Krishnan is a Strategic Consultant within Cognizant Business Consulting’s
Banking and Financial Services Practice and a member of the “Bank of Tomorrow
... Today” initiative. He has over 12 years of industry experience, the majority
spent setting up, developing and building Cognizant’s relationships with one of the
largest private banks in Europe. He has a bachelor’s degree in computer engineer-
ing. He can be reached at Ashwin.Krishnan@cognizant.com | LinkedIn: http://www.
linkedin.com/pub/ashwin-krishnan/4/889/777.
Swarraj Kulkarni is Chief Architect in the Technology and Architecture Office
within Cognizant’s Banking and Financial Services Business Unit and is a core team
member of the Digital Banking strategic team. He has 21 years of experience in
the IT industry, focusing on architecture and design of J2EE-.NET-based enterprise
applications in the banking and capital markets domains. In addition to core tech-
nologies, Swarraj has strong experience in mobile, social media and analytics tools/
technologies and has applied those to building retail banking solutions. He received
a B.E. in electronics from Walchand College of Engineering Sangli and completed
a senior management program at IIM-Kolkata, India. Swarraj can be reached at
Swarraj.Kulkarni@Cognizant.com | LinkedIn: http://www.linkedin.com/in/swarraj.
Makarand Pande leads Cognizant’s SMAC consulting efforts. He helps customers
think about the future of digital business and its business impact, and how
emerging technologies and concepts like Code Halo, social, mobile, analytics, cloud
and the Internet of Things can be leveraged to transform existing business models.
He also conducts ideation and solution workshops with customers across domains,
including digital banking. He can be reached at Makarand.Pande@cognizant.com |
LinkedIn: http://www.linkedin.com/in/makpande/.

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Digital Banking: Enhancing Customer Experience; Generating Long-Term Loyalty

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Digital Banking: Enhancing Customer Experience; Generating Long-Term Loyalty