Critical enablers for the future bank Data, analytics and Customer Workforce Digitisationand Content and machine learning management management automation communication Data ecosystem management User-centered design Workforce planning Process digitisation Content curation Maintain and interlink external Ensure propositions are Understand capacity for Enable straight-through Ensure content is consistent, and internal data sources, intuitive and user-friendly dynamic rebalancing of processing across the timely and delivered via the right control usage rights, and to drive customer uptake the workforce, revise customer journey, including tone of voice with the optimal comply with privacy Product portfolio short-term incentive plans digital marketing, application, mix of digital and physical media requirements such as GDPR management to align with expected onboarding, fulfillment, Internal communication Provide Analytics and machine learning Simplify and rationalise behaviors servicing and monitoring the organisation with a sense of Generate critical business existing product portfolio to Digital collaboration tools processes to drive speed stability through frequent, clear insights to support decision make room for the new Enable colleagues, whilst reducing and coherent leadership updates making such as preventing Dynamic risk management displaced from their usual operational costs External communication financial crime, conducting Adopt flexible policies to working locations, to Real-time 24/7 payments Maintain frequent dialogue with behavioral segmentation of monitor the bank’s capacity continue being productive Support the faster movement external stakeholders, e.g. customers for contextual to absorb the effects of of money across customers shareholders and regulators, to targeting and personalised financial provisions and businesses, allowing them manage expectations interventions earlier access to cash Technology Infrastructure Hardware and software Acquire the core technology foundations (e.g. cloud, workplace solutions, APIs, data lakes etc.), balancing build / run cost, flexibility and longevity to future-proof the bank Partner Management Partner identification, integration and management Enable open collaboration across businesses, platforms and industries to develop and offer propositions based on customer journeys; implement the required performance metrics, pricing, revenue and service models to support the customer and business proposition 21