Chapter 1 IntroduCtIon to dIgItal experIenCe platforms The main features of a future-state banking XP is depicted in Figure 1-3. hƐĞƌ džƉĞƌŝĞŶĐĞ ŽŶƚĞŶƚ ŽůůĂďŽƌĂƚŝŽŶ ^ĞĐƵƌŝƚLJ DŽďŝůŝƚLJ 'ŽǀĞƌŶĂŶĐĞΘ ůĞƌƚƐΘ ^ĞƌǀŝĐĞ tŽƌŬĨůŽǁƐ EŽƚŝĨŝĐĂƚŝŽŶƐ /ŶƚĞŐƌĂƚŝŽŶ ZĞƉŽƌƚƐΘ Z^^&ĞĞĚƐ ^^K/ŶƚĞŐƌĂƚŝŽŶ >W ĂƐŚďŽĂƌĚ /ŶƚĞŐƌĂƚŝŽŶ ^ĞĂƌĐŚ ŶĂůLJƚŝĐƐ &ƵƚƵƌĞ^ƚĂƚĞ ĂŶŬŝŶŐyW Figure 1-3. Key features of a modern banking experience platform As depicted in the diagram, a future state banking XP needs a responsive and omnichannel-enabled use experience, engaging content. Collaboration features such as chat, blogs, and forums enable active participation of end users. The banking XP should ease the integration with security systems and provide service-based interfaces for consumers. The platform should provide timely alerts and intuitive visualizations (charts, reports, dashboards) to help the customer in decision making. Search is the key information discovery tool for the banking XP. Analytics enablement helps in personalization of the user experience. High-Level Requirements of Banking Experience Platform Table 1-4 shows the high-level requirements of a banking XP categorized into main categories. We discuss these requirements in Chapter 2. 17