Product Description

The Bank Value Streams comprise all the major value streams and major processes typical in a Bank. The Bank Value Streams are an essential and integral part of business architecture, and instead of starting from scratch, our pre-built deliverable jumpstarts the process, accelerating time to value.

(As the Banking Value Streams is a digital deliverable, we do not accept returns or issue refunds. Please read the product description carefully before purchasing.)

Bank Value Streams Deliverable:

• A set of 30 value streams and processes detailing the core/primary activities and secondary/support activities of the value chain. The value streams are decomposed into steps at level 1. (Please note that these are NOT your traditional process maps in swim lane charts with various details. Instead, these are business architecture value streams.)
• Plus, bonus deliverables.

Enterprise and Business Architects can use the bank value streams as a springboard and customize them to the needs of their enterprise.

(Note: While we reference business capabilities, journey maps, and process maps, please realize that this product pertains to only the value streams. We offer other products which span business capabilities. Furthermore, the value streams are in simple PowerPoint format and are editable.)

Bank Value Streams:

Value Streams, within the context of business architecture, are sequences of activities an organization performs to deliver a valuable product or service to its customers. Derived from lean thinking, this concept facilitates the visualization and optimization of the flow of information, materials, and services from the initial request to delivery. Value Streams provide a comprehensive view of the business, highlighting how value is created across the organization while seeking to reduce waste.

Business Capabilities and Value Streams comprise the Yin and Yang of business architecture. Business Capabilities represent what a business does – the inherent skills it must possess to fulfill its mission. These capabilities are stable, strategic constructs that outline the organization’s potential. In contrast, Value Streams demonstrate how an organization applies its capabilities to deliver value to its customers. Together, they offer a holistic understanding of the business, balancing the static (capabilities) with the dynamic (value streams) and linking strategic intent with operational execution.

Value Streams are essential in banking due to the complex, high-speed, and high-stakes nature of financial transactions. They enable banks to understand and visualize the flow of value from account opening to deposit, lending, and customer service. This comprehensive view helps identify inefficiencies, redundancies, and delays, enhancing transaction speed, reducing operational risk, and improving customer satisfaction.

Banks can leverage Value Streams in multiple ways. They can use them to design and optimize core processes such as account opening, deposit processing, lending, and customer service. For example, by mapping the ‘Lending’ value stream, banks can identify steps that add minimal or no value – such as redundant credit checks – and aim to automate or eliminate them. Additionally, Value Streams can provide strategic insights for decision-making, like understanding the impact of new regulations or technologies on existing value streams and creating new value streams for innovative banking services.

Finally, Value Streams are the foundation for creating detailed process maps and customer journey maps. Beginning with a high-level value stream, business architects can drill down into more granular process maps detailing the specific steps, roles, systems, and data involved in each activity within the value stream. Simultaneously, customer journey maps can be developed by overlaying the customer’s interactions and experiences onto the value stream. This approach ensures that process and customer journey maps align with the overarching flow of value, providing a consistent and integrated view of the business.

Our consultants and business architects with years of experience in business architecture, process consulting, and transformation strategy created the business architecture value streams. Use it as a starting point to customize them to your enterprise needs.

Fine Print:

• We sell digital products, so there are no returns, refunds, or replacements. Therefore, please read the product description carefully before making a purchasing decision.
• A generic set of deliverables and templates may or may not fit your needs, or the content relevance will vary substantially.
• Sold on an as-is basis and without any implied or explicit warranties
• Consultants and firms wanting to use it for their clients have a different pricing model.
• The sale is for digital products only and does not include customization or implementation help.
• Please review our standard terms of service.