Έφη Πρεσβεία, Επικεφαλής Επιχειρηματικής Μονάδας...
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Transcript of Έφη Πρεσβεία, Επικεφαλής Επιχειρηματικής Μονάδας...
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In the US, half of Smartphone owners holding an account, have used Mobile Banking in 2015!
Source: Consumers and Mobile Financial Services 2016 , Federal reserves system, USA
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The mobile payments landscape will change radically too!
Source of information: Worldpay; Your Global Guide to Alternative Payments
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Joining forces can prove to be the right strategy
Although Fintechs threaten Bank profits, synergies & “coopetition” are necessary for
Win-Win strategies
VivaWallet – Fintech representation in Greece
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Especially know that global players target local customers
Customers can select their Banking relationship with no borders. Online account
opening through video chat in 8 mins!
Number26 – An online Bank with online account opening
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“Make the Mobile the primary payments Medium” - mWallet
According to Forrester, mWallet is a service that lets consumers to manage digitized
valuables - offers, coupons, gift cards, IDs, electronic receipts, product information –
from multiple brands And that enables payment transactions
“The vision is to replace
the wallet.
And the starting
point is the
payments”
Tim Cook, CEO Apple
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Instant Peer 2 peer payments via Social networks, emails, mobile numbers without
the need of using bank accounts.
“Make the Mobile the primary payments Medium” – P2P
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“Integrate Bank Services in customer’s everyday life” - PFM
Sophisticated Personal Financial Management (PFM) tools for expenses management,
goals setting & budgeting allow users to gain control over their finances while on the go
First Direct Mobile app
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“Integrate Bank Services in customer’s everyday life” Loyalty & rewards
New loyalty schemes generation based on mobile payments and analysis of usage
of m-services, habits, patterns, non banking activities, etc. Couponing capabilities
also create an end2end experience.
mBank Contextual Offers
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“Address dynamic customer segments”
Mobile-only banks emphasizing on high-end technological solutions and supreme UX
target younger segments. In some cases, significantly younger ages..
ImagineBank: AMobile-Only Bank for Millennials from La
Caixa
ASB Bank: Clever Kash, physical & digital money box
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“Sophisticated cross/up-selling”
Mobile banking offers traditional revenue opportunities such as cross- and
upselling products to existing customers by offering mobile product shopping
options such as comparison tools and personalized recommendations .
Capital One e-Sales
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“Provide on the go User authentication & security”
Biometrics, voice recognition, “light” login pins, allow for secure & convenient user
authentication and easy access to frequently requested info
Touch idOTP GeneratorVoice Selfie
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“Provide supreme User Experience”- Support
Premium customer support, self serviced or one2one, through voice recognition &
video banking
BBVA Voice Banking assistant
Barclays Video Banking
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“Provide supreme User Experience” - Gamification
Apart from an engaging design across devices, available technology allows to integrate
gamification features that make the whole experience more fun & engaging
Chase - Location based background
Southern -Shake to check balance
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“Provide supreme User Experience”- Devices
La Caixa mobile apps for SmartWatch & Google Glasses
Any device is a potential delivery channel for mobile services. Transaction alerts, stock
exchange info, even payment capabilities can be performed through wearable devices,
boosting engagement & usability to very high levels
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“Go Phygital !” – In-Branch Assistance
“Branch Assistant” for personalized service while in Bank Branches, interactive
advisors, adding value services & remote check in to queuing system.
ING e-Branch
BMO in Branch app
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Payment Services
• B2C remote payments
• G2C (e.g. ticketing)
• P2P (e.g. via emails, mobile numbers, Facebook)
•C2B (e-commerce)
Eurobank Mobile Services Strategy
Loyalty
• Coupons, Offers, Loyalty programs
•Push notifications, beacons, etc
Banking Services
• Real time account, card, loan information
•Online transfers and bill payments
•Transactions via apps, web or SMS
•Relationship management
Adding Value Services
• Virtual agent, video banking
•Authentication through biometrics
Building a mobile ecosystem as the central point of our digital offering, with services
that assist customers' in all aspects of their everyday life.