SAP Innovation Awards 2021 Entry Pitch Deck - Cognitively Automated Customer Care OJSC Belaruski Narodny Bank

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SAP Innovation Awards 2021 Entry Pitch Deck - Cognitively Automated Customer Care OJSC Belaruski Narodny Bank
SAP Innovation Awards 2021 Entry Pitch Deck
Cognitively Automated Customer Care
OJSC Belaruski Narodny Bank
PUBLIC
Company Information

                                              Headquarters                 Minsk, Belarus
                                              Industry                     Banking
                                              Web site                     https://www.bnb.by/

                                              OJSC Belaruski Narodny Bank, or BNB-Bank (Bank of Georgia Group, LSE:BGEO) is a mid-sized privately-
                                              owned bank in Belarus currently ranked one of top-15 banks by its total assets. Primarily focused on
                                              commercial banking services, BNB-Bank provides their full range both to physical and legal bodies through
                                              its banking hubs all over Belarus. SME support is the main strategical task of the bank.

                                              Offering innovative and competitive banking products for the personal sector together with implementing
                                              cognitive automation in customer care, BNB-Bank is on the go to fulfil its ambitious program of significant
                                              increasing the number of personal clients providing them with financial advantages of using outstanding
                                              banking technologies to support households and assisting in improve their wealth conditions.

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Cognitively Automated Customer Care
OJSC Belaruski Narodny Bank

                                                                           Challenge
We feel the future, sense                                                  Existing chatbot solutions did not provide the desired level of customer support, or facilitate access to the data,
the success and aim to be                                                  or convert visitors of the website into leads, or contribute to the Bank’s competitive image. Contact center
the winners                                                                operators did not feel responsible for the outcome of their work and lacked efficiency.

                                                                           Solution
                                                                           Multilingual, omnichannel, voice-enabled intelligent assistant developed on top of SAP Conversational AI, with
                                                                           preconfigured banking scenarios, customizable, extendable and scalable, alongside with Hybrid Chats solution
                                                                           and the implementation of ITSM with SAP Solution Manager to enhance AI advantages with human efficiency

                                                                           Outcome
                                                                           A single cognitive communication channel created for the bank’s customers strengthened their loyalty, increased
                                                                           their satisfaction level and attracted new leads. The company’s image got brightened thanks to the use of
                                                                           revolutionary interfaces of granting access to bank products and automating customer care.

                                                                                             Customer care                           Automation level in                    Increase in leads

                                                                               40+           requests served
                                                                                             from the web site of
                                                                                             the BNB-Bank daily
                                                                                                                      80%            cognitive channels
                                                                                                                                     in first months of
                                                                                                                                     productive usage
                                                                                                                                                                  2X        generation from
                                                                                                                                                                            web and social
                                                                                                                                                                            media

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Participating Partner Information

                                              Skybuffer
                                              Comprehensive partner managed cloud built on BNB-Bank IT premises
                                              combining SAP On Premise and SAP Cloud Platform solutions in the hybrid SAP
                                              driven system to automate customer care and seamlessly connect operators in
                                              the live chat mode.

                                              We chose SAP Conversational AI as a unique no-code platform developed and suitable
                                              for business use, and Skybuffer as a trusted SAP Golden Partner highly valued and
                                              recommended by SAP SE. We saw great potential in the solution developed by
                                              Skybuffer with its humanized and facilitated IT landscape accessibility and cognitive
                                              automation of customer care services being executed 24/7/365, as well as the Partner’s
                                              high expertise and flexibility.

© 2021 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC                                                           4
Business Challenges and Objectives

                                                Business Challenges:

                                                Feel the future is the declared slogan of BNB-Bank which aspires to building prosperous futures
                                                for its clients by developing, among other things, digital banking – up-to-date, efficient and user-
                                                friendly. BNB-Bank have always realized that only sustainable innovations could help us keep
                                                ahead of the competition, set new standards of banking services and generate more leads. We
                                                saw great potential in the partner managed cloud model with its humanized and facilitated IT
                                                landscape accessibility and cognitive automation of customer care services being executed
                                                24/7/365.

                                                Business Objectives:
                                                •       To convert the website traffic into a flow of happy customers
                                                •       To establish contact with visitors of the website and other communication channels and make
                                                        them wish to leave their contact details
                                                •       To automate customer support with Conversational AI
                                                •       To trace and analyze topics of clients’ requests, interests and communication channels used
                                                •       To turn the contact center into a lead-generation center​
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Project or Use Case Details

                                              The main goal of the project is to increase the quality of customer care activities and convert the contact
                                              center into the leads generating one. That is achieved by delivering an omnichannel contact center with
                                              automatic categorization of all requests, their on-premise logging and conducting dialogues in real-time mode
                                              with digital assistant and on-demand human operator step in, when necessary and/or appropriate.

                                              There are three main communication languages in scope of the project, they are Belarusian, Russian and
                                              English. Automating of customers requests is processed via SAP Conversational AI skills implementation.
                                              Additional extension solution of Hybrid Chats developed by Skybuffer is used together with SAP
                                              Conversational AI service to boost languages processing and avoid automatic translation of replies in the
                                              dialogues held in Belarusian and Russian. Hybrid Chats solution is also meant to reduce SAP Conversational
                                              AI training costs via usage of the out-of-the box banking AI content that is trained in the English language
                                              only but performs well to process other languages conversations, too. In other words, SAP Conversational AI
                                              model trained in one advanced English language serves conversations in Belarusian and Russian languages,
                                              too. That is only made possible by using Skybuffer Hybrid Chats solution implemented together with SAP
                                              Conversational AI services.

                                              Hybrid Chats allow solving another major project goal, that is to seamlessly connect operators from the
                                              contact center into the dialogues keeping the chatbot active and organize the dialogue flow in a three-peers
                                              model when the user communicates to the chatbot and/or the operator simultaneously which significantly
                                              increase the quality of the customer care and reduces operational costs of the cost center.

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Benefits and Outcomes

                                              Business or Social                     IT (optional)                       Human Empowerment
                                              ▪       Efficient self-services for    ▪   Harmonized SAP-driven           ▪   Hybrid Chats solution from
                                                      customers to get information       landscape that is delivered         Skybuffer significantly
                                                      about the bank’s product or        as partner managed cloud            reducing the number of
                                                      request technical support          reducing IT costs for BNB-          routine activities of operators
                                              ▪       Hybrid mode of joint work of       Bank and at the same time           from the BNB-Bank customer
                                                      digital assistant and              increasing the quality of IT        care center and seamlessly
                                                      customer care center               services delivered by highly-       integrating the bank’s
                                                      seamlessly integrating on-         qualified partner.                  products and services expert
                                                      demand human support in                                                knowledge into the online
                                                      conversations                  ▪   Smart integration of SAP            chat conversations with BNB-
                                              ▪       Working hours freed up             Cloud Platform services             Bank customers
                                                      immediately                        (SAP Conversational AI) and
                                              ▪       Customer satisfaction rise         SAP On Premise products         ▪   BNB-Bank clients receiving
                                              ▪       Leads generation increase          allowing BNB-Bank to comply         highly-qualified support
                                                      via better processing and          with legal requirements in          services on the bank’s
                                                      serving chat users                 order to keep all chatbot           products they use, and at the
                                                                                         conversations data on BNB-          same time allowing BNB-
                                                                                         Bank IT premises.                   Bank to better position new
                                                                                                                             products that bring financial
                                                                                                                             value to the bank’s clients.
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Architecture

                                                                            SAP Conversation AI
                                                                           Empowered by Content

                                                                                                  SAP Fiori front-end server SAP Fiori launchpad
                                                                                                                               Hybrid Chats UI

                                                                                                                           SAP BusinessObjects
                                                                                                                             Web Intelligence
                                                                                                                           Hybrid Chat Reporting

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Deployment

                                              Deployment status                    Live

                                              Date                                 12 November 2020                      Number of users                all BNB-Bank personal and
                                                                                                                                                        corporate clients
                                               SAP® technologies used:
                                                                                             Deployment status
                                                                                             (live or proof of
                                                         SAP product                         concept [POC])         Contribution to project

                                                                                                                   Cognitive skills development and integration into customer care system
                                                1          SAP Conversational AI            Live
                                                                                                                   delivered as partner managed cloud

                                                                                                                   SAP Conversational AI platform extension via SAP Fiori application
                                                3          SAP Fiori                        Live
                                                                                                                   development to tune in cognitive skills in different communication channels

                                                If you have used one or more of the services or support offerings from SAP Services and Support during the implementation or
                                                deployment phase, please indicate which one(s) below with an X

                                                           SAP MaxAttention™               SAP ActiveAttention™                  SAP Advanced Deployment
                                                           SAP Value Assurance             SAP Model Company                   X Others: SAP Integration and Certification
                                                           SAP Innovation Services         SAP Innovative Business Solutions               Center

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Advanced Technologies (1 of 2)

                                              The following advanced technologies were part of the project.
                                                 Technology or use case                                      Product used*           Contribution to project and how product used integrates with SAP products

                                            1 Machine learning or artificial                                 SAP Conversational AI   SAP Conversational AI services to process customer care requests in three
                                                                                                                                     languages (Belarusian, Russian and English) to cognitively automate customer care
                                              intelligence
                                                 Robotic process automation, conversational AI,
                                                                                                                                     services
                                                 AI-based knowledge graph

                                            2 Intelligent data management
                                                 Multi-cloud, data virtualization and governance, smart
                                                 data tiering, persistent memory, data privacy

                                            3 Advanced and augmented
                                              analytics
                                                 •    Real-time and streaming analytics, spatial analytics
                                                 •    Natural language query and generation
                                                 •    AutoML to identify trends, patterns, outliers
                                                 •    Predictive analytics (time series analysis and
                                                      forecasting, regression, classification)

                                            4 Data and analytics solutions in                                                        Partner managed cloud for SAP BusinessObjects Business Intelligence platform to
                                                                                                             SAP BusinessObjects     provide better analytical aggregated insights into the chatbot conversations
                                              the cloud
                                                 •    Unified data and analytics cloud platforms by SAP
                                                                                                             Business Intelligence   processing to discover additional potential of customer care requests automation
                                                 •    Modern/self-service data to analytics

© 2021 SAP SE or an SAP affiliate company. All rights reserved. ǀ PUBLIC                                                                                        *If this is not an SAP product, explain how it integrates with SAP products.   10
Advanced Technologies (2 of 2)

                                              The following advanced technologies were part of the project.

                                                     Technology or use case                                  Product used*         Contribution to project and how product used integrates with SAP products

                                            5 Advanced cloud integration                                     Google Translation   Google Cloud Platform services integrated into SAP Conversational AI customer care
                                                 •    API economy (monetization and API marketplaces)        Services             requests processed via Skybuffer Hybrid Chats solution (SAP-driven) to boost
                                                 •    AI-based or crowdsourced integration                                        advantages of SAP Cloud and Google Cloud technologies to BNB-Bank
                                                 •    High throughput, low-latency digital integration hub

                                            6 Industry cloud platform

                                            7 Blockchain

                                            8 Internet of Things

                                            9 3D printing

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Additional Information

                                              As a part of cognitive automation journey of BNB-Bank and in conformity with its strategical
                                              roadmap, SAP Conversational AI services are to be integrated into the mobile application as well
                                              as into the internet banking solution. We believe harmonized high-quality cognitively automated
                                              services reduce the customer care center costs, save time and allow us to better position
                                              innovative banking products that bring financial value to our clients.

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