Global Trends in Online Banking

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Swedbank Latvia

Anita Hawser, European Editor, Global Finance

Economy & Finance Business

Global Trends in Online
Banking
Anita Hawser
European Editor
Global Finance
www.gfmag.com

Bricks versus clicks

The UK’s first online
“pure play”
• It took Egg 10 weeks to attract
£1 billion in deposits
• Within the first six months it had £5
billion in deposits, well ahead of
target.

Online savers better off
• “An online saver could be 37%
better off over a year, compared
with someone opting for the best
deal in a branch”
• Source: Which, UK consumer watchdog

Online banking
reality check
• Online access failures
(Users could not log on to Egg.com
for more than a day but there was
no customer notification)
• Online banking fraud

Online fraud declining
January to June 2010
Online bank account fraud fell
36% from 2009’s half-year
figure
Source: UK Cards Association

Reasons for decline in
online fraud
• Increased customer awareness of
phishing scams
• Increased use of anti-virus software
• More sophisticated fraud detection by
banks
• Additional authentication - MasterCard
SecureCode and Verified by Visa

Increasing customer
confidence in online
• 44% of US survey respondents felt
more secure on their bank’s web site
(comScore 2010 State of Online Banking)
• “It is imperative that banks find
ways to tap into the market
segment that does not bank
online for security reasons.”

Online banking growth
• In the UK, 21.5 million customers
bank online (35% of the UK’s total
population
Growth in online banking is at an
evolutionary rather than revolutionary
pace?

Online bill pay
• “A new milestone has been reached in
the online banking world with the
widespread adoption of online bill pay,
now utilised by 64% of the online
banking community, up 19 points from
the previous year.”
(comScore 2010 State of Online Banking)

Mint.com tracks $175 billion in transactions,
$47 billion in assets and has identified more
than $300 million in potential savings for users

Online banks and social media
• Who is using social media to engage in two-way
communications with their online bank?
• 11% of financial institutions on the UK FTSE 500 use
Twitter to engage with customers
• More than 90% of telecoms companies use social
media for two-way communications, compared to just
4% of banks
• (Source: Kencall 2010)

The future is mobile and
multi-channel
Banking the “unbanked”
In developing markets like Africa there are more
people with mobile phones than bank accounts
Mobile money transfer service M-PESA has more
than 7 million customers (no bank accounts involved)

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Finanšu “drošības spilvenam”, vismaz 3 līdz 6 mēnešalgu apmērā, vajadzētu būt katra iedzīvotāja prioritātei, veidojot uzkrājumus. Kā rāda Swedbank pētījums* — gandrīz puse (48%) Latvijas iedzīvotāju, kuri šobrīd veido vai plāno veidot uzkrājumus, finanšu “drošības spilvena” veidošanu neizvirza par prioritāti. Taču svarīgi sabalansēt īstermiņa un ilgtermiņa vajadzības – sākumā parūpēties par savu un ģimenes drošību, un tad krāt līdzekļus tālākiem nākotnes mērķiem, piemēram, bērnu izglītībai vai savām vecumdienām.

Finanšu “drošības spilvena” veidošanai jākļūst par prioritāti uzkrājumu veido...

Finanšu “drošības spilvena” veidošanai jākļūst par prioritāti uzkrājumu veido...

Finanšu “drošības spilvena” veidošanai jākļūst par prioritāti uzkrājumu veido...

Swedbank Latvia

Swedbank Latvijā, Igaunijā un Lietuvā ievieš jaunu hipotekāro kredītu cenošanas modeli, ko no šī gada 6. septembra piedāvā klientiem jauniem kredītiem, taču to varēs izvēlēties arī esošie hipotekārā kredīta klienti. Jaunā cenošanas loģika iezīmē svarīgu soli ceļā uz ilgtspējīga finansēšanas risinājuma izveidi ilgtermiņā, kā arī uzlabo likmes pārskatāmību un caurspīdību.

Swedbank jaunā hipotekāro kredītu cenošanas loģika – caurspīdīgāka un ilgtspē...

Swedbank jaunā hipotekāro kredītu cenošanas loģika – caurspīdīgāka un ilgtspē...

Swedbank jaunā hipotekāro kredītu cenošanas loģika – caurspīdīgāka un ilgtspē...

Swedbank Latvia

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Global Trends in Online Banking

1. Global Trends in Online Banking Anita Hawser European Editor Global Finance www.gfmag.com

2. Bricks versus clicks

3.

4.

5. The UK’s first online “pure play” • It took Egg 10 weeks to attract £1 billion in deposits • Within the first six months it had £5 billion in deposits, well ahead of target.

6.

7.

8.

9.

10.

11. Online savers better off • “An online saver could be 37% better off over a year, compared with someone opting for the best deal in a branch” • Source: Which, UK consumer watchdog

12.

13. Online banking reality check • Online access failures (Users could not log on to Egg.com for more than a day but there was no customer notification) • Online banking fraud

14. Online fraud declining January to June 2010 Online bank account fraud fell 36% from 2009’s half-year figure Source: UK Cards Association

15. Reasons for decline in online fraud • Increased customer awareness of phishing scams • Increased use of anti-virus software • More sophisticated fraud detection by banks • Additional authentication - MasterCard SecureCode and Verified by Visa

16. Increasing customer confidence in online • 44% of US survey respondents felt more secure on their bank’s web site (comScore 2010 State of Online Banking) • “It is imperative that banks find ways to tap into the market segment that does not bank online for security reasons.”

17. Online banking growth • In the UK, 21.5 million customers bank online (35% of the UK’s total population Growth in online banking is at an evolutionary rather than revolutionary pace?

18.

19.

20.

21. Online bill pay • “A new milestone has been reached in the online banking world with the widespread adoption of online bill pay, now utilised by 64% of the online banking community, up 19 points from the previous year.” (comScore 2010 State of Online Banking)

22. Mint.com tracks $175 billion in transactions, $47 billion in assets and has identified more than $300 million in potential savings for users

23.

24.

25. Online banks and social media • Who is using social media to engage in two-way communications with their online bank? • 11% of financial institutions on the UK FTSE 500 use Twitter to engage with customers • More than 90% of telecoms companies use social media for two-way communications, compared to just 4% of banks • (Source: Kencall 2010)

26. The future is mobile and multi-channel Banking the “unbanked” In developing markets like Africa there are more people with mobile phones than bank accounts Mobile money transfer service M-PESA has more than 7 million customers (no bank accounts involved)