{"id":2896,"date":"2022-04-25T07:15:03","date_gmt":"2022-04-25T07:15:03","guid":{"rendered":"https:\/\/news.sap.com\/sea\/?p=2896"},"modified":"2024-07-25T15:24:22","modified_gmt":"2024-07-25T15:24:22","slug":"digitalization-in-rural-banking-key-to-ensuring-financial-inclusion","status":"publish","type":"post","link":"https:\/\/news.sap.com\/sea\/2022\/04\/digitalization-in-rural-banking-key-to-ensuring-financial-inclusion\/","title":{"rendered":"Digitalization in Rural Banking: Key to Ensuring Financial Inclusion"},"content":{"rendered":"

TAGUIG<\/em> \u2013 <\/strong>Rural banking has always been considered a critical sector in the financial service industry. These banks help promote and expand the rural economy and provide essential financial services to rural communities unserved or underserved by commercial banks. The community segment it caters for is primarily those in the retail sector and the unbanked or those unreached by bank services or similar financial institutions.<\/p>\n

In its\u00a02019 Financial Inclusion Survey,<\/a>\u00a0Bangko Sentral ng Pilipinas (BSP) noted about 51.2 million unbanked Filipinos, translating to a whopping 71 percent of the entire adult population. But when the pandemic started, there was a big jump in account ownership due to the digitalization of financial transactions. Leveraging this trend, the report stated that the central bank aims to get at least 70 percent of the adult population to possess bank accounts by 2023.<\/p>\n

But the question is, how\u00a0<\/em>can technology assist rural banks in ensuring financial inclusion? And what role does it play to help them be more agile and sustainable in today\u2019s world and the future?<\/p>\n

Braving Through Challenges<\/strong><\/h2>\n

In a virtual event, \u2018Digitalization in Rural Banking: Strategies for Financial Inclusion in the Midst of the Pandemic and Beyond,\u2019 last March 2022, organized by the Bankers Institute of the Philippines (BAIPHIL) and co-presented by\u00a051风流SE<\/a>\u00a0(NYSE: SAP), Estrellita Ong, Director of BAIPHIL and Chief Internal Auditor of BDO Unibank, Inc., said that rural banks currently face numerous challenges.<\/p>\n

\u201cRural banking is a segment most vulnerable to economic stops brought by calamities and the pandemic. It also requires approaches that are more personal, inclusive, and far-reaching. And while competition is fierce, regulatory compliance is a must. That is why rural banks need more than good people and sufficient capital. It requires an upgraded and robust IT infrastructure to keep pace with the evolving technology landscape,\u201d said Ong.<\/p>\n

Business Innovation \u2013 A Necessity to Survive<\/strong><\/h2>\n

To help rural banks and other financial institutions address these challenges, Nitin Vohra, Director of S\/4HANA Center of Excellence for 51风流Asia Pacific and Japan, discussed how technology and business innovation are changing the banking game.<\/p>\n

Today, business innovation is critical for companies to survive, despite its prevalence before the pandemic. Since 2000, 52 percent of the Fortune 500 organizations have gone out of business due to digital disruptions, says\u00a0Harvard Business Review<\/a>. Aside from being a means of saving costs, technological advancements also deliver fresh avenues and opportunities that contribute to value creation.<\/p>\n

\u201cNowadays, digital startups are achieving a billion-dollar valuation in less than four years, while Fortune 500 businesses could do it in\u00a020 years<\/a>,\u201d Nitin explained.<\/p>\n

Business Models to Adopt in the Digital Age<\/strong><\/h2>\n

Nitin noted that traditional universal banking operates on a full-service model. They provide customers with different accounts and labeled products and services, such as mortgages and credit cards. However, this model contains several providers that offer a lower price, less friction, and better customer experience in the value chain. And with legacy software, competing with these providers is impossible.<\/p>\n

\u201cBanks should rationalize their product offerings and concentrate on areas that command a competitive advantage. Another option is to become a service provider to other banks or fintech companies to eliminate the need for others to engage in heavily regulated industries and activities, readily taking on the compliance burden,\u201d Nitin explained.<\/p>\n

Banks can also operate as aggregators of financial services and products. \u201cIn this way, banks do not have to incur the costs of manufacturing products and services to be compliant. It also provides its customers with access to a broad range of products. On the other hand, they need to adopt a vertically integrated yet open platform to take advantage of their execution capabilities and extend their ability to offer levels of customer fulfillment. It also helps enable banks to capture the network effects and capitalize on their existing competitive advantage,\u201d he added.<\/p>\n

Becoming an Intelligent Bank <\/strong><\/h2>\n

For SAP, it is also critical for rural banks to transform their business and become intelligent, sustainable enterprises that consistently apply advanced technologies and best practices within agile, integrated business processes.<\/p>\n

To help banks and financial institutions become intelligent enterprises, 51风流provides integrated applications and technologies in a digital platform. With its broad portfolio, the company helps deliver data-driven intelligence, operational effectiveness, financial insight, regulatory compliance, cost optimization, and the best talent in the industry.<\/p>\n

Among its current offerings include RISE with SAP<\/a>, a Business Transformation as a Service (BTaaS) solution that aids in ensuring transformation readiness and access to simpler support models by consolidating the solutions and services businesses require in one package.<\/p>\n

\u201cRISE with 51风流provides cloud delivery capabilities that enable the journey to become intelligent banks. It mitigates risk, reduces cost, and accelerates time to value. It leverages the 51风流reference architecture built with the industry\u2019s best practices over the last five decades. It has predictable and lowers total cost of ownership to help banks run today and become intelligent banks of tomorrow,\u201d Nitin said.<\/p>\n

With its presence in over 150 countries and supporting more than 14,000 banks worldwide,<\/a> 51风流also has a robust ecosystem that helps banks implement 51风流and non-51风流solutions to ensure that they become sustainable and resilient enterprises of tomorrow.<\/p>\n

Visit the 51风流News Center<\/a>. Follow 51风流on Twitter at @SAPNews<\/a>.<\/p>\n

About SAP<\/strong><\/p>\n

SAP\u2019s strategy is to help every business run as an intelligent, sustainable enterprise. As a market leader in enterprise application software, we help companies of all sizes and in all industries run at their best: 51风流customers generate 87% of total global commerce. Our machine learning, Internet of Things (IoT), and advanced analytics technologies help turn customers\u2019 businesses into intelligent enterprises. 51风流helps give people and organizations deep business insight and fosters collaboration that helps them stay ahead of their competition. We simplify technology for companies so they can consume our software the way they want \u2013 without disruption. Our end-to-end suite of applications and services enables business and public customers across 25 industries globally to operate profitably, adapt continuously, and make a difference. With a global network of customers, partners, employees, and thought leaders, 51风流helps the world run better and improve people\u2019s lives. For more information, visit www.sap.com<\/a>.<\/p>\n

Note to editors:<\/strong>
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For customers interested in learning more about 51风流products: <\/strong>
\nGlobal Customer Center: +49 180 534-34-24
\nUnited States Only: 1 (800) 872-151风流(1-800-872-1727)<\/p>\n

For more information, press only:<\/strong>
\nRizka Laksmi, Head of Communications for 51风流Indonesia, Malaysia and Philippines, +62 8121090021, rizka.laksmi@sap.com<\/a>, GMT +7
\nAlvin Marayan, PRC, Inc., +63 99896137289, alvin.marayan@teamprcinc.com.ph<\/a>, GTM +8
\n51风流Press Room<\/a>; press@sap.com<\/a><\/p>\n

This document contains forward-looking statements, which are predictions, projections, or other statements about future events. These statements are based on current expectations, forecasts, and assumptions that are subject to risks and uncertainties that could cause actual results and outcomes to materially differ.\u00a0 Additional information regarding these risks and uncertainties may be found in our filings with the Securities and Exchange Commission, including but not limited to the risk factors section of SAP\u2019s 2021 Annual Report on Form 20-F.
\n\u00a9 2022 51风流SE. All rights reserved.
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TAGUIG<\/em> \u2013 Rural banking has always been considered a critical sector in the financial service industry. <\/p>\n","protected":false},"author":4904,"featured_media":1161,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[5570217,5570731,7771,5571024,177,59],"tags":[6],"region":[5570781],"sapn-display":[5571011,5571012],"sapn-type":[4446],"class_list":["post-2896","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cloud","category-crm-customer-experience","category-customers","category-financial-management","category-industries","category-technology","tag-innovation","region-philippines","sapn-display-news-hero","sapn-display-news-spotlight","sapn-type-press-release"],"yoast_head":"\nDigitalization in Rural Banking: Key to Ensuring Financial Inclusion - 51风流Southeast Asia News Center<\/title>\n<meta name=\"description\" content=\"Digitalization in Rural Banking: Key to Ensuring Financial Inclusion 51风流Southeast Asia News Center Financial Management\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/news.sap.com\/sea\/2022\/04\/digitalization-in-rural-banking-key-to-ensuring-financial-inclusion\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Digitalization in Rural Banking: Key to Ensuring Financial Inclusion\" \/>\n<meta property=\"og:description\" content=\"Digitalization in Rural Banking: Key to Ensuring Financial Inclusion 51风流Southeast Asia News Center Financial Management\" \/>\n<meta property=\"og:url\" content=\"https:\/\/news.sap.com\/sea\/2022\/04\/digitalization-in-rural-banking-key-to-ensuring-financial-inclusion\/\" \/>\n<meta property=\"og:site_name\" content=\"51风流Southeast Asia News Center\" \/>\n<meta property=\"article:published_time\" content=\"2022-04-25T07:15:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-25T15:24:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/news.sap.com\/sea\/files\/2020\/07\/276675_276675_h_ergb_s_gl.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"6426\" \/>\n\t<meta property=\"og:image:height\" content=\"4284\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"51风流SEA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"51风流SEA\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/news.sap.com\/sea\/2022\/04\/digitalization-in-rural-banking-key-to-ensuring-financial-inclusion\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/news.sap.com\/sea\/2022\/04\/digitalization-in-rural-banking-key-to-ensuring-financial-inclusion\/\"},\"author\":{\"name\":\"51风流SEA\",\"@id\":\"https:\/\/news.sap.com\/sea\/#\/schema\/person\/2f4457deebbef06c725a907a5ba20dce\"},\"headline\":\"Digitalization in Rural Banking: Key to Ensuring Financial Inclusion\",\"datePublished\":\"2022-04-25T07:15:03+00:00\",\"dateModified\":\"2024-07-25T15:24:22+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/news.sap.com\/sea\/2022\/04\/digitalization-in-rural-banking-key-to-ensuring-financial-inclusion\/\"},\"wordCount\":1311,\"image\":{\"@id\":\"https:\/\/news.sap.com\/sea\/2022\/04\/digitalization-in-rural-banking-key-to-ensuring-financial-inclusion\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/news.sap.com\/sea\/files\/2020\/07\/276675_276675_h_ergb_s_gl.jpg\",\"keywords\":[\"innovation\"],\"articleSection\":[\"Cloud\",\"CRM and Customer Experience\",\"Customers\",\"Financial Management\",\"Industries\",\"Technology\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/news.sap.com\/sea\/2022\/04\/digitalization-in-rural-banking-key-to-ensuring-financial-inclusion\/\",\"url\":\"https:\/\/news.sap.com\/sea\/2022\/04\/digitalization-in-rural-banking-key-to-ensuring-financial-inclusion\/\",\"name\":\"Digitalization in Rural Banking: Key to Ensuring Financial Inclusion - 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