┌─────────────────────────────────────────────────────────────────────────────┐
│                    DIGITAL BANKING STRATEGY CANVAS                         │
├─────────────────────────────────────────────────────────────────────────────┤
│                                                                             │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    CUSTOMER SEGMENTS                                │   │
│  │  (Who are our digital customers?)                                   │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                                                             │
│  ┌─────────────────┐              ┌─────────────────────────────────────┐   │
│  │  VALUE          │              │  CHANNELS                           │   │
│  │  PROPOSITION    │              │  (How do we reach our customers?)   │   │
│  │  (What value do │              │                                     │   │
│  │   we offer?)    │              │                                     │   │
│  └─────────────────┘              └─────────────────────────────────────┘   │
│                                                                             │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    CUSTOMER RELATIONSHIPS                            │   │
│  │  (How do we interact with customers?)                                │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                                                             │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    REVENUE STREAMS                                  │   │
│  │  (How do we make money?)                                            │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                                                             │
│  ┌─────────────────┐  ┌─────────────────┐  ┌─────────────────────────────┐ │
│  │  KEY RESOURCES  │  │  KEY ACTIVITIES │  │  KEY PARTNERSHIPS            │ │
│  │  (What do we   │  │  (What do we   │  │  (Who do we partner with?)    │ │
│  │   need?)       │  │   do?)         │  │                              │ │
│  └─────────────────┘  └─────────────────┘  └─────────────────────────────┘ │
│                                                                             │
│  ┌──────────────────────────────────────────────────────────────────────┐   │
│  │                    COST STRUCTURE                                    │   │
│  │  (What are our costs?)                                              │   │
│  └──────────────────────────────────────────────────────────────────────┘   │
│                                                                             │
└─────────────────────────────────────────────────────────────────────────────┘

# ===================================================================
# MODULE 1, LESSON 2: DIGITAL BANKING STRATEGY AND BUSINESS MODELS
# ===================================================================

import pandas as pd
import numpy as np
import matplotlib.pyplot as plt
import seaborn as sns
from datetime import datetime
import warnings
warnings.filterwarnings('ignore')

print("="*70)
print("DIGITAL BANKING STRATEGY AND BUSINESS MODELS")
print("="*70)

# ----------------------------------------------------------------
# PART A: DIGITAL MATURITY ASSESSMENT
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART A: Digital Maturity Assessment")
print("-"*60)

maturity_dimensions = {
    'Customer Experience': {
        'Current Score': 3,
        'Target Score': 5,
        'Priority': 'High'
    },
    'Digital Channels': {
        'Current Score': 4,
        'Target Score': 5,
        'Priority': 'High'
    },
    'Data Analytics': {
        'Current Score': 3,
        'Target Score': 4,
        'Priority': 'Medium'
    },
    'Technology Infrastructure': {
        'Current Score': 2,
        'Target Score': 4,
        'Priority': 'High'
    },
    'Innovation Culture': {
        'Current Score': 3,
        'Target Score': 4,
        'Priority': 'Medium'
    },
    'Talent and Skills': {
        'Current Score': 3,
        'Target Score': 4,
        'Priority': 'High'
    },
    'Partnerships': {
        'Current Score': 2,
        'Target Score': 4,
        'Priority': 'Medium'
    },
    'Regulatory Compliance': {
        'Current Score': 4,
        'Target Score': 5,
        'Priority': 'Medium'
    },
    'Cybersecurity': {
        'Current Score': 3,
        'Target Score': 5,
        'Priority': 'High'
    }
}

maturity_df = pd.DataFrame(maturity_dimensions).T
print("Digital Maturity Assessment:")
print(maturity_df.to_string())

# Visualise
fig, ax = plt.subplots(figsize=(12, 8))
dimensions = list(maturity_df.index)
current = maturity_df['Current Score'].tolist()
target = maturity_df['Target Score'].tolist()

x = np.arange(len(dimensions))
width = 0.35

ax.barh(x - width/2, current, width, label='Current', color='blue', alpha=0.7)
ax.barh(x + width/2, target, width, label='Target', color='green', alpha=0.7)

ax.set_yticks(x)
ax.set_yticklabels(dimensions)
ax.set_xlabel('Maturity Score (1-5)')
ax.set_title('Digital Maturity Assessment')
ax.legend()
ax.grid(True, alpha=0.3, axis='x')

plt.tight_layout()
plt.savefig('digital_maturity.png', dpi=300, bbox_inches='tight')
plt.show()
print("Digital maturity visualisation saved as 'digital_maturity.png'")

# ----------------------------------------------------------------
# PART B: BUSINESS MODEL EVALUATION
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART B: Business Model Evaluation")
print("-"*60)

# Define business models and their characteristics
business_models = {
    'Digital-First Incumbent': {
        'Customer Reach': 8,
        'Revenue Potential': 7,
        'Cost Efficiency': 5,
        'Innovation Capability': 5,
        'Agility': 4,
        'Regulatory Risk': 3,
        'Competitive Advantage': 6
    },
    'Neobank': {
        'Customer Reach': 5,
        'Revenue Potential': 6,
        'Cost Efficiency': 9,
        'Innovation Capability': 9,
        'Agility': 9,
        'Regulatory Risk': 5,
        'Competitive Advantage': 7
    },
    'Platform Banking': {
        'Customer Reach': 7,
        'Revenue Potential': 8,
        'Cost Efficiency': 7,
        'Innovation Capability': 8,
        'Agility': 8,
        'Regulatory Risk': 6,
        'Competitive Advantage': 8
    },
    'Embedded Finance': {
        'Customer Reach': 9,
        'Revenue Potential': 9,
        'Cost Efficiency': 8,
        'Innovation Capability': 7,
        'Agility': 7,
        'Regulatory Risk': 7,
        'Competitive Advantage': 9
    },
    'Banking-as-a-Service': {
        'Customer Reach': 6,
        'Revenue Potential': 8,
        'Cost Efficiency': 8,
        'Innovation Capability': 8,
        'Agility': 8,
        'Regulatory Risk': 5,
        'Competitive Advantage': 7
    }
}

# Create DataFrame
bm_df = pd.DataFrame(business_models).T
print("Business Model Characteristics (1-10):")
print(bm_df.to_string())

# ----------------------------------------------------------------
# PART C: VALUE PROPOSITION CANVAS
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART C: Value Proposition Canvas")
print("-"*60)

# Define customer profile
customer_profile = {
    'Jobs to be Done': [
        'Manage daily finances',
        'Save for future goals',
        'Make payments and transfers',
        'Access credit',
        'Invest money',
        'Get financial advice'
    ],
    'Pains': [
        'High fees and charges',
        'Complex and confusing products',
        'Slow processes',
        'Limited access to branches',
        'Hidden terms and conditions',
        'Poor customer service'
    ],
    'Gains': [
        'Save money on fees',
        'Easy and convenient banking',
        'Fast transactions',
        'Personalised advice',
        'Financial security',
        'Peace of mind'
    ]
}

# Define value map
value_map = {
    'Products & Services': [
        'Mobile banking app',
        'Digital account opening',
        'Instant payments',
        'Personalised budgeting tools',
        'AI-powered financial advice',
        '24/7 customer support (chatbot)'
    ],
    'Pain Relievers': [
        'Zero-fee banking',
        'Simple and transparent products',
        'Real-time processing',
        'Mobile-first experience',
        'Clear terms and conditions',
        'Proactive support'
    ],
    'Gain Creators': [
        'Savings automation',
        'Investment insights',
        'Financial planning tools',
        'Personalised offers',
        'Security and fraud protection',
        'Education and resources'
    ]
}

print("Customer Profile:")
for category, items in customer_profile.items():
    print(f"\n{category}:")
    for item in items:
        print(f"  • {item}")

print("\nValue Map:")
for category, items in value_map.items():
    print(f"\n{category}:")
    for item in items:
        print(f"  • {item}")

# ----------------------------------------------------------------
# PART D: STRATEGIC ROADMAP
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART D: Strategic Roadmap")
print("-"*60)

roadmap = pd.DataFrame({
    'Phase': ['Phase 1: Foundation', 'Phase 2: Growth', 'Phase 3: Innovation', 'Phase 4: Leadership'],
    'Timeline': ['0-12 months', '12-24 months', '24-36 months', '36+ months'],
    'Focus': [
        'Build digital capabilities',
        'Scale digital offerings',
        'Lead with innovation',
        'Set industry standards'
    ],
    'Key Activities': [
        'Mobile app launch, API strategy, cloud migration',
        'Personalisation, open banking, partnerships',
        'AI-driven services, embedded finance, ecosystem expansion',
        'Thought leadership, industry influence'
    ],
    'Key Metrics': [
        'Mobile adoption rate, NPS',
        'Customer growth, digital revenue %',
        'Innovation pipeline, market position',
        'Brand perception, industry awards'
    ]
})

print("Strategic Roadmap:")
print(roadmap.to_string(index=False))

# ----------------------------------------------------------------
# PART E: COMPETITIVE POSITIONING
# ----------------------------------------------------------------

print("\n" + "-"*60)
print("PART E: Competitive Positioning")
print("-"*60)

# Simulate competitive positioning
competitors = ['Your Bank', 'Competitor A', 'Competitor B', 'Competitor C', 'Competitor D']
capabilities = ['Digital Experience', 'Product Innovation', 'Customer Service', 'Brand Trust', 'Cost Efficiency', 'Technology']

np.random.seed(42)
positioning_data = np.random.uniform(3, 9, (len(competitors), len(capabilities)))
positioning_df = pd.DataFrame(positioning_data, index=competitors, columns=capabilities)

print("Competitive Positioning Matrix:")
print(positioning_df.round(2))

# Visualise competitive positioning
fig, ax = plt.subplots(figsize=(10, 8))
sns.heatmap(positioning_df, annot=True, fmt='.1f', cmap='coolwarm', ax=ax)
ax.set_title('Competitive Positioning Heatmap')
plt.tight_layout()
plt.savefig('competitive_positioning.png', dpi=300, bbox_inches='tight')
plt.show()
print("Competitive positioning visualisation saved as 'competitive_positioning.png'")

# ----------------------------------------------------------------
# PART F: SUMMARY AND RECOMMENDATIONS
# ----------------------------------------------------------------

print("\n" + "="*70)
print("PART F: Summary and Recommendations")
print("="*70)

print("""
Digital Banking Strategy – Key Takeaways:

1. Digital banking strategy is a comprehensive plan for leveraging digital technologies.
2. Business models range from digital-first incumbents to embedded finance.
3. Key success factors: customer-centricity, agility, data-driven decisions, talent, technology, and partnerships.
4. Value proposition must address customer jobs, pains, and gains.
5. Strategic roadmap should be phased and measurable.
6. Competitive positioning requires continuous monitoring and adaptation.

Recommendations:
  - Conduct a digital maturity assessment for your organisation.
  - Define your digital banking strategy using the strategic canvas.
  - Choose the right business model for your context.
  - Develop a clear value proposition for your target customers.
  - Create a phased roadmap with measurable milestones.
""")

print("="*70)
print("END OF LESSON 2 – MODULE 1")
print("="*70)