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Investor Presentaiton

Accelerated digital transformation benefiting customers BANK OF AFRICA strongly committed to being a 'bank which is connected to the future', offering customers a simpler, digitised experience in the form of online, practical and secure solutions, enabling them to carry out banking transactions with free-of-charge payments, withdrawals, money transfers and card-less cash withdrawals Digital banking development accelerated by (i) improving customer experience across all distribution channels whilst developing new revenue streams, (ii) BANK OF AFRICA underlining its growing reputation as a leading player in digital banking and innovation, (iii) digitising front-to-back business processes aimed at improving operational efficiency New scalable remote banking services rolled out aimed at enhancing and offering new functionality. Practical and secure remote banking solutions enabling customers to carry out their banking transactions quickly and easily with a number of transactions free of charge Crédit Habitat online portal launched - www.credithabitat.ma - an online mortgage subscription platform: 1st bank to provide customer service via WhatsApp, a new mode of customer interaction, making it easier to access information and provide an instant response to customer requests Improved customer experience in the latest version of BMCE Direct, offering a more user-friendly approach and additional services BMCE Exclusive service improved and renamed as Exclusive by BANK OF AFRICA in order to revitalise the product BK Financial Bot launched by BMCE Capital, the first specialised investment banking chatbot in the sector Subscription-free access to all BMCE Capital's digital platforms to encourage use of digital channels Two remote banking services launched by BTI Bank, BTI Connect for retail banking customers and BTI Business Connect for businesses 18
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