Question: Set up action plan and next steps for the company based on the recommendations.

Recommendations Alternative Solutions to Digitalization 1Getting all management personnel on the same page regarding digital transformation This could lead to eventual expertise in the digital service area within Alfa Bank (Kazakhstan); all personnel know the services and offerings Creates a healthy and beneficial culture within the Alfa Group 2Observe the management and innovation strengths of related banks, such as Alfa Bank (Russia) Apply these strategies to new digital technologies to drive innovation 3Create teams to work on different areas in the development of the digital transformation process Encourage consulting and working with others instead of just focusing on the task at hand 4Work with and consult external entrepreneurs who have experience in the digital services sector to come up with a good system, and ask for feedback 5Of the four solutions listed in the previous slide, ensuring the uniformity of management within Alfa Bank (Kazakhstan) is the most important. Working internally to ensure that all management personnel are on the same page when moving into the digital transformation process would provide many benefits to the group. Having management personnel in agreement with policies and processes would create a good environment within Alfa Bank (Kazakhstan), as all employees would know the policies and could avoid internal conflicts. In order to ensure this, higher management should listen to the concerns of personnel to see how they can ensure all personnel are on the same page. Once this occurs, management would be very knowledgeable when it comes to policies, leading to eventual expertise on these matters. This would enable the digital transformation process to move forward smoothly.