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CX perspective - there are not only investments, deposits etc. There must be whole story for customers e.g. Building up reserve then invest etc.

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Bankers and personal care in case of investments still essential in all segments. Branch advisors have to be capable not only use tablets but also understand the offers, training has to be set accordingly

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deliver an idea how to split the money (daily needs, safety buffer, investments e.g.) Idea: George FIT

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deliver the relevant stories ...less technical product information ..only a few will understand (speaking for retail)

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ICulture of investment services is very important. Investment penetration of employees is a metric that we should regularly check. (In EBH it is only slightly above the average client penetration.)

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1) Simple & less risky entry product for new to securities clients
2) Smart investment solution for young  clients (APP) with low investment ammount (Investmanager light?)
3) Thematic investments: ESG, Megatrends etc.
4) Socialt investing: "what are the others investing in?"

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People learnded how to safe on a regular basis - dont have a clue how to build wealth on the CM tho.

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age of customers

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Good at Branches ... No Digi Advisory tool at CSAS

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Tablet-based advisory with insight driven, relevant personalized offer

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easier processes (e.g. on behalf) for the most relevant use cases (stepwise, lump sum)

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Smart solutions are required. Not too complicated, nice visualization, personalization, 24/7 accessibility,...

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New branch platform for Prosperity Advisory

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Lack of trust from advisors in promoting investment products, based on bad experience from crisis ; similar for clients

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Digital traffic mngmt from outside

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The same investments barriers (as our clients have) have our advisors and colleagues. First of all we have to onboard them.

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Still too product focused in sales activities - have to integrate broader context in our advisory process

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Fight between Deposits and Investments because of margins

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Regular investment plans with understandable risk-return profile for mass segment

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streamline in mass market can make sense to focus limited adviser ressources and capabilitiies (experience, knowledge)

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More ESG Products as stories sell investments

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George´s ability to sell

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DPM extension for affluent segments

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Constant communication of regular investment benefits in inflation environment, showing real case studies

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Curently lack of tools in both branches and digital; (in BCR)

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It is to big to be done by a small group of individual enthusiasts. I requires to employs all relevant staff: CRM, marketing,...

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Automatize Portfolio check for customers in a few easy steps online.

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Playful reporting to customers portfolio (regial, asset classes, performance etc.) ...and deliver sales events (maturing) and financial literacy (why did this happen, what does it mean)

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we should fully revisit products having customers in mind; for example in BCR one of riskier products is called ERSTE BALANCED...

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our organization is mirroring the lack of wealth buidling literacy. enable people and culture with communication and mindset

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pricing is rather complex (trx fees, management fess, account fees, per trx, per anno etc.) ...pricing document has 5 pages. we identified this as a big blocker for new investments customers.

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Branch is a must, in order to provide first guidance for new customers; then can move to automated (direct debits) and top up in Digital;

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simplify pricing complexity (currently 5 pages of different fee types for channels etc.9

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Today investment products are not managed in Retail; Retail is a sales channel that receive top down targets.
There needs to be a better aligment between EAM, C&M and Retail

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In certain countries: yield curve (it is worth keeping sight depo on client side)

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Believe in AM future in low interest rate environment

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Advisory as the main approach...

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Needs huge investing in transating the product view to customer life; current communication it is abstract and does not "speak" to the customer