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Branch
Internet
Mobile
Digital
Evolution of Banking services 1/3
Alessio Bonetti - @b0n3tt1
First Chapter
Evolution of the context.
The new cumstomer.
Brett King – Speaker, Author, Radio
Host, Innovator & Founder of
Moven
Chris Skinner – Digital bank guru,
Speaker, Author & blogger
Matthias Kröner – CEO @Fidor Bank
Michal Panowicz – Former
Managing Director, Marketing &
Business Development @mBank,
now @Nordea Bank
INNOVATORS
SOMETHING IS CHANGING…
USABILITY MATTERS
INTERACTION MATTERS
MOBILE MATTERS
BEAUTY MATTERS
CONTEXTUAL MATTERS
Contestuale
INTELLIGENCE MATTERS
Disruptive innovation
DISRUPTIVE INNOVATION
Disruptive innovation – Messaging
COMMUNICATION: FROM PAPER…
Disruptive innovation – Messaging
…TO MAIL…
Disruptive innovation – Messaging…TO INSTANT&RICH MESSAGING
Disruptive innovation – Musica
MUSIC: FROM STEREOS…
…TO IPOD…
…TO EVERYTHING FREE&STREAMING
Disruptive innovation – Libri
BOOKS: FROM BOOKSHOPS…
Disruptive innovation – Libri
…TO VIRTUAL BOOKSHOPS…
Disruptive innovation – Libri
…TO «BOOK-STREAMING»
Disruptive innovation – Tv/Film
VIDEO: FROM TV…
Disruptive innovation – Tv/Film
…TO MOBILE TV…
Disruptive innovation – Tv/Film
…TO UNLIMITED ONDEMAND TV
Disruptive innovation – Viaggi
TRAVELLING: FROM TRAVEL AGENCY…
…TO WEB TRAVEL AGENCY…
…TO AIRBNB 
Disruptive innovation – Trasporti
TRANSPORT: FROM OLD STYLE…
…TO A MUCH BETTER STYLE.
http://techcrunch.com/2015/03/03/in-the-
age-of-disintermediation-the-battle-is-all-for-
the-customer-interface/#.0jyto5:DPTt
http://www.thinknowresearch.com/blog/the-
best-time-to-be-in-mrx/
“IF WE ARE USING THE
INTERNET TO DO FIND PLACES
TO STAY AND
TO GET IN A CAR WITH A
STRANGER TO FROM A TO B,
WHY NOT LOANS?”
RACHEL BOTSMAN
Persone
• Millennials
– Chi sono
– Quali sono le loro caratteristiche
MILLENNIALS
Persone
• Millennial Disruptive Index
True?
False!
RELATIONSHIP IS FACE TO FACE!
Convinzioni - Relazione
• Mediawolrd vs Amazon
IS THIS THE BEST SERVICE YOU EXPECT?
Convinzioni - Relazione
• Mediawolrd vs Amazon
OR ARE WE GETTING USED TO…
NespressoAND PREMIUM SERVICE…
OR PERSONALIZED SERVICE?
AND DON’T FORGET THAT THIS IS HAPPENING!
IS RELATIONSHIP FACE TO FACE ONLY?
SOCIAL MEDIA ARE JUST A BUBLE!
ARAB SPRING
Convinzioni – Social Media
THE RISE OF NEW «BUSINESS MODELS»
IS RELATIONSHIP FACE TO FACE ONLY?
ARE SOCIAL MEDIA JUST A BUBLE?
MOBILE FIRST!
ALWAYS CONNECTED…
…EVEN HERE!
HAVEN’T WE GO TO FAR? 
MONEY MAKES THE WORLD GO AROUND!
IS RELATIONSHIP FACE TO FACE ONLY?
ARE SOCIAL MEDIA JUST A BUBLE?
MOBILE FIRST?
Convinzioni – Mobile First
DOES MONEY MAKE THE WORLD GO AROUND ?
IS RELATIONSHIP FACE TO FACE ONLY?
ARE SOCIAL MEDIA JUST A BUBLE?
MOBILE FIRST?
And what about
Banks?
Interested?
Don’t miss on slideshare the second chapter of
Branch, Internet, Mobile, Digital
regarding financial services startups called
Fintechs.
Let’s keep in touch!
LINKEDIN: LINKEDIN.COM/IN/ALESSIOBONETTI
TWITTER: @B0N3TT1
Disclaimer
«Branch, Internet, Mobile, Digital» is a study that aims to
synthesize and connect some of the most innovative actions
that Banks, Fintechs and other actors are undertaking to
develop a new model for the financial services.
Views expressed in this presentation are my own.
Branch
Internet
Mobile
Digital
Evolution of Banking services 1/3
Alessio Bonetti - @b0n3tt1

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