AFRICA he explains . “ That ’ s why we ’ re really looking at the end-to-end and insideout processes .”
Part of SBM ’ s aim is to offer potential digital channels to fulfil customers ’ expectations and financial needs . “ In Mauritius , traditional branches still have a big role to play in serving customers ,” he explains , citing the country ’ s ageing population who will always prefer going to their local branch and having someone to talk to , meaning a balance must be struck between digital innovation and the expectations of clients .
With this in mind , SBM has invested in digitalising and improving internal processes and efficiencies , while also enhancing customer experience . Processes within the bank are being robotised and several avenues are now being explored to enable the bank to become a “ truly digital financial services institution ”.
“ We ’ re looking at RPA , AI and data analytics , and at some point we were also investigating the use of Blockchain technology – our intention is very strong on these fronts ,” says Ramphul . For example , Infosys Finacle RPA is now 319
EXECUTIVE PROFILE
Ashwin Ramphul is Head of IT Application at State Bank of Mauritius ( SBM ). He joined the company in January 2018 and has been responsible for digital transformation at the bank , including the upgrade of its internet and mobile banking platforms .
Previously , Ramphul worked at MCB Group , the largest bank in the country , for 16 years and was responsible for core banking systems .
Ramphul holds an MSc in Analysis , Design and Management of Information Systems from the London School of Economics and Political Science , which he obtained following a BSc in Business Information Systems with Management at Middlesex University .
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