Founder, Kathleen Craig, presented What's Next in Mobile Banking the Illinois Bankers Association Women in Banking conference. From what is coming in the future, to #FinTech disrupters to great first steps, it was a fun and informative session.

1. htmobileapps.com
What's Next in Mobile Banking?
Kathleen Craig, HT Mobile Apps Kathleen@htmobileapps.com

2. OVERVIEW
Landscape
Adoption
Evolution
Innovation
Today
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3. Mobile Banking Mobile Payments
Mobile
POS
Mobile
Incentives
Domain Area Functionality
General
Accout
Access &
Manage
Alerts
App
WAP
SMS
Transfer
M2M
M2U
Mobile
Deposit
Capture
Tradtional
Bill Pay
via Mobile
NFC
Bill to
Mobile
Carrier
Device
Payment
Card
Swipe
Loyalty
Rewards
Discount
PresentmentP2P
LANDSCAPE
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4. ADOPTION
84%
oftheUSadultpopulationnowhasamobilephone
71%
39%
52%
*As of 2015 Federal Reserve Report
66
ofthosehaveasmartphone
of smartphoneusershaveusedmobilebanking
Upfrom33%2013,29%2012
ofthosehaveusedmobilebanking

5. VENDORS
Third Party Vendors Core Vendors
Payment VendorsBoutique Vendors
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6. #FINTECH : CHANGE IS COMING
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7. EVOLUTION - TODAY
Top 3 Most Common Mobile Banking Uses
Can you guess what they are?
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8. EVOLUTION - TODAY
Top 3 Most Common Mobile Banking Uses
94%
61%
57%
CheckBalances&RecentTransactions
MakeTransfers(Internal)
UseAlerts
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*As of 2015 Federal Reserve Report

9. EVOLUTION - TODAY
Mobile Deposits
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10. EVOLUTION - EMERGING
Mobile Payments
Estimated to grow 210% in 2016
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11. EVOLUTION - EMERGING
What is coming?
To know what is coming we cannot just look at our industry,
we must look to how they are using their phones.
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12. EVOLUTION - EMERGING
How people are using their phones today
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13. EVOLUTION - EMERGING
What are the most innovating FI's and FinTech Companies doing with their
mobile experience based on this information?
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14. Mobile Only Enrollment
Passwords Only When Needed Mobile Only Charters
TouchID
WHAT IS OUT THERE?
Remove Friction
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15. WHAT IS OUT THERE
They are simplifying
15

16. WHAT IS OUT THERE?
They are incorporating best practices from retailers
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17. WHAT IS BEING TESTED?
Voice recognitionFacial recognition -Selfie Pay
Easy ATMs
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Chatbots

18. TODAY
Not all of us have limitless budgets and we are bound by our core providers...
so what can we do?
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19. Know Your Bank
&
Your Market
Know Your
Numbers
Know & Push
Your Vendors
Create A
Roadmap
Make It Easy
Market Features
You Do Have
TODAY
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20. WHERE TO START
Support the
vendors that
support you!
Invest in
#FinTech
Go to Exhibit Hall, take demos, seek out
innovators who are not going around you
but coming to you.
• Support accelerators
• Start a small fund
• Be a Beta Site

21. CLOSING
Gift card drawing
FREE SAMPLES
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22. STAY INFORMED
IBA Webinars & Magazines
ABA Webinars & Magazines
American Banker
Financial Brand
GonzoBanker
LinkedIn Group & Thought Leaders
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