"Why is the integration of on-line and mobile so important? [Because] it really should not matter what device members choose to interact with you." Stephen Bohanon, Alkami.

1. RISE OF THE
MULTI-SCREENERS
Desktop, Laptop, Tablet, or Smartphone? It Shouldn’t Matter…

2. Stephen
Bohanon
Alkami Technology
Founder, Chief Strategy & Sales Officer

3. What is “Mobile First” ?
Mobile first is an approach to business process and
technology that assumes smartphones, tablets and task-
specific apps are the primary tools for getting work done.
Multi-Screeners vs. Mobile First

4. 90% own a Smartphone
30% own a Tablet
The number of desktop-only consumers
dropped below mobile users for the first time in
2014.
It’s True…“Desktop-Only” is Dying

5. Desktop still leads…why?
Lack of functional parity on Mobile
• Statements
• Stop Pay
• Check Re-order
• Applications
• PFM
• Message Center
– Cumbersome to type on mobile
Screen Real Estate
• Consumers choose the best screen for the function
– Easier to scan a 15” screen with your eyes then thumb
through 4+ pages on mobile
Total Logins: Desktop & Mobile Available
68%
32%
Desktop
Mobile

6. “Rumors of my death
have been greatly
exaggerated.”
Consumers prefer mobile for it’s convenience while “on the go”,
but given the choice, the BIGGEST SCREEN RULES!!

7. Which screen do you prefer?
for editing photos

8. Which screen do you prefer?
for watching videos

9. Which screen do you prefer?
for shopping

10. Which screen do you prefer?
for sports

11. Samsung unveils 110”
HDTV
Consider this…
The same company investing
heavily in tablets, smartphones
and wearables- just launched
the world’s largest TV.

12. But, what about Mobile First?
http://www.howtogeek.com/199483/tablets-arent-killing-laptops-but-smartphones-are-killing-tablets/ http://www.howtogeek.com/183381/are-pcs-dying-of-course-not-heres-why/

13. But, what about Mobile First?
March 2012 – April 2015
Since 2012, the rapid adoption of
the smartphone and tablet led to a
sharp decline in % of page views
owned by the desktop.
Desktop:
92% to 65%
Tablet:
0% to 9%
Smartphone:
9% to 26%

14. But, what about Mobile First?
March 2014 – April 2015
As mobile and tablet adoption has
reached market saturation, device
type access has normalized as
consumers are now multi-screeners
Desktop:
70% to 69%
Tablet:
10% to 9%
Smartphone:
22% to 24%

15. What then, if not Mobile First?
Device Agnostic

16. What is Device Agnostic?
Device Agnosticism takes into account…
Technology environments:
• Various Operating Systems
• Hostile Browsers
• Slow Connection Speeds
• Tiny Screens
• Touch Inputs
The User’s Context:
• The amount of time they have/need
• The goal they want to accomplish
• Their location
• Their attitude and state of mind
+

17. Context Drives Device Choice
Multi-Screeners own multiple devices and move seamlessly between them throughout the day
Source: Google, The New multi-screen world study

18. A Singular Digital
Banking Platform

19. For Digital Banking, Device Agnosticism
Requires a Singular Platform
Desktop, Laptop, Tablet or Smartphone?...It shouldn’t matter

20. Typical CU Digital Banking Solution
Online Banking Mobile Banking
Desktop / Laptop
Mobil
e
Payments PFM Statements CardCore Business RDC
Legend
Shape = Function
Color = User Experience
Separate Systems for Online
and Mobile Banking

21. Typical CU Digital Banking Solution
Online Banking Mobile Banking
Desktop / Laptop
Mobil
e
Payments PFM Statements CardCore Business RDC
Legend
Shape = Function
Color = User Experience
Separate Systems for Online
and Mobile Banking:
• Disjointed User Experience
• Disparate Functions Based
on Device
• Splintered Roadmap

22. Singular Digital Banking Solution
Digital Banking Platform
Desktop / Laptop
Mobil
e
Payments PFM Statements CardCore Business RDC
Legend
Shape = Function
Color = User Experience

23. Phase 1: UX and Functional Parity
Digital Banking Platform
Desktop / Laptop
Payments PFM Statements CardCore Business RDC
Mobile / Tablet
Legend
Shape = Function
Color = User Experience

24. Phase 2: Expand Products and Services
Digital Banking Platform
Desktop / Laptop
Payments PFM Statements CardCore Business RDC
Credit Insurance Brokerage Card Services Wealth Mgmt. Account Opening
Mobile / Tablet
Legend
Shape = Function
Color = User Experience

25. Integrated Bill Pay ExperienceBenefits of a Single Platform
Seamless, Intuitive User Experience
• Familiar Design
• Integrated Security
• Consistent Personalization Settings
Effective Marketing
• Target marketing to users regardless of
device
• Marketing based on device access
• Push Notifications
Functional Parity
• Eliminates functional disparity based on
device, browser, etc.
• No more “you have to use….. to do that”
Better Service
• Employees have access to 360 view
• Eliminates “Which browser? Which device?”
• Co-browsing/View As User across channels

26. Integrated Bill Pay ExperienceExample: Intuitive Design
Zone 1
Zone 2
Zone 3

27. Example: Intuitive Design
Zone 1
Zone 2
Zone 3

28. Example: Intuitive Design

29. Example: Rewards Checking

30. Example: Mobile Card Controls

31. Example: Desktop Card Controls

32. Example: Marketing & Content

33. Q & A