Chapter 10 transforming LegaCy Banking appLiCations to Banking experienCe pLatforms Table 10-1. (continued) Category Beginner-Level Moderate-Level Leading-Level Digital Maturity Digital Maturity Digital Maturity Business • existing processes • Business • new processes are digital native. process involve heavy processes • existing processes are revamped/ manual and are partially reengineered to become compatible human intensive automated. with modern digital systems. tasks • all repetitive and mundane work is fully • siloed processes automated using digital technologies. per each • integrated business processes (such department and as campaign management, customer channel services, sales) across all channels and • processes are not departments user friendly. • User-centric processes • Business • all business processes are continuously processes are not assessed and monitored, governed, and assessed on a the feedback is used to improve the continuous basis. processes. • absence • straight-through processing of process • Lean and agile processes to improve monitoring and time to market governance tools • absence of straight-through processing (continued) 282