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MY DIGITAL BANKING NIRVANA
(AS OF NOVEMBER 21, 2013)

JIM MAROUS
BANK MARKETING STRATEGY BLOG
nir·va·na noun nir-ˈvä-nə,
 the state of perfect happiness and
peace where there is release from
all forms of suffering
 a state or place of great happiness
and peace
Merriam-Webster Dictionary

Page 2
MY DIGITAL BANKING
NIRVANA

Simple

Page 3

Engaging

Contextual
EASY ACCOUNT OPENING
Mobile Photo Account Opening™ uses Mitek's new mobile imaging
platform to capture the front and back of a driver’s license, eliminating
error prone data entry by the customer or in the branch .

Page 4
NO MORE
PASSWORDS
SureSwipe is Capital One's new
Pattern login feature that allows
Card customers to sign into the
mobile app with a quick custom
pattern instead of an alpha numeric
password.

Page 5
SIMPLIFIED MOBILE
BANKING

Page 6
IMMEDIATE
BALANCES
The GoBank Balance Bar provides
instant balance information without
password login.
According to Mapa Research, 18% of
banks globally have removed the
need to login at all to see account
balances.
Commonwealth Bank’s pre-login
balance was voted as the favorite
feature of Kaching.

Page 7
UNIQUE MOBILE
ENGAGEMENT

Page 8
RELATIONSHIP
BALANCES
As opposed to just showing a single
balance pre-login, Bank of New
Zealand provides the balances on all
of the customer’s accounts.

Page 9
BRANCH/ATM
FINDER
Augmented reality app from PNC
Bank allows customer to easily find
closest branch or ATM.

Page 10
VOICE-DRIVEN
BANKING
USAA’S Virtual Assistant, powered by
Nuance Communication, lets
members speak their banking
commands, including bill payments,
through the app. The enhancement is
designed to require fewer steps to
complete financial tasks than typed
answers.

Page 11
ENHANCED
iPAD SUPPORT
BBVA Compass was one of the first U.S. banks to allow customers to
sign up for mobile banking without requiring them to sign up for
online banking first. They are still one of the few with a dedicated
iPad app.

Page 12
DIGITAL
RECEIPTS
Moven provides real-time digital
receipts for debit and mobile
payment transactions. These
receipts include alerts,
categorization and comparison to
historical spending.

Page 13
PHOTO
RECEIPTS
Simple allows customer to not only
view receipts, but also attach
pictures to their transactions. Their
overall interface is one of the
cleanest in the industry.

They also integrate a ‘safe-to-spend’
function that combines budget with
transaction behavior.

Page 14
SPENDING
ASSISTANT
GoBank provides a very lighthearted
way of helping to avoid
overspending based on budget
function with their ‘Fortune Teller’.

Page 15
CUSTOM
ALERTS
GoBank has a very simple way to
set more than 10 different alerts to
be delivered to the channel(s) of
your choice.

Page 16
CONSOLIDATED
SALES &
SERVICE
USAA integrates sales within their
mobile app on the start-up page and
throughout the entire experience.

Page 17
SIMPLIFIED
PAYMENTS
Kaching provides as many payment
options as any bank worldwide,
including ability to pay bills with QR
codes, make Bump P2P payments
and even payments through
Facebook.

Page 18
UNIVERSAL
P2P
Square has recently introduced a
new way to pay friends. With Square
Cash, sending money is as easy as
sending an email. No passwords, no
sign-up, no hassle.

Page 19
TRANSACTION SEARCH
mBank’s smart transaction search engine makes a search through
your transaction history as easy as using Google on the internet, with
results displayed in real time

Page 20
LOCATIONAL
REWARDS
Amex serves cardmembers rewards
based on their locations, should they
wish to use the geo-location service.
The feature, called My Offers
combines Amex spend history with
location information to provide
discounts and information of nearby
merchants. In turn, customers click
the deals they want.

Page 21
VISUALIZED
PFM
MoneyDesktop takes consolidated
PFM insight and builds visualized
tools to assist in money management.
GuideMe clearly presents financial
goals by implementing a similar
approach to the company’s patented
BubbleBudget concept, allowing
account holders to track progress
within each individual goal while
visualizing the immediate importance
of each long-term objective based on
variable size and location on the tool’s
virtual time line.
Page 22
FINANCIAL
WELLNESS
Moven’s Cred score
• Monitors your finances
• Provides comparison to others
• Gives you feedback about your
progress and how you can
improve
• Rewards you for being financially
fit
• Helps you spend, save, and live
smarter

Page 23
GAMIFICATION
mBank’s gamification in the bank’s transactional service to
encourage smart spending and saving

Page 24
AUGMENTED REALITY
MORTGAGE

Page 25
SMALL
BUSINESS
ANZ FastPay was Australia’s first
mobile payment App to offer small
business owners same day
settlement of merchant payments to
an ANZ account using an iPhone or
iPad.

Page 26
WEARABLE BANKING

Banco Sabadell is the first bank in the world to present its own app
for Google Glass. The app allows the customer to find branches and
ATMs, check balances and supports video conferencing. Apps were
developed using an open app innovation program.

Page 27
WEARABLE BANKING

The SmartWatch app is based on Westpac’s Cash Tank app that
allows customers to get balances without any authentication.
Westpac is now working to offer customers quick transfers between
their bank accounts and the ability to receive account alerts to the
watch.
Page 28
PLASTIC TO REPLACE MY
PLASTIC

Page 29
CHANNEL INTEGRATION:
BOOK AN APPOINTMENT
ING Belgium: customers can book an appointment with a specific
agent in branch via their mobile app

Page 30
INTEGRATED BRANCHES
NAB’s new “Smart Store” design, where tellers are replaced by
a variety of self service digital interfaces
Page 31
INTEGRATED BRANCHES
NAB’s new “Smart Store” design, where tellers are replaced by
a variety of self service digital interfaces
Page 32
INTEGRATED BRANCHES
NAB’s new “Smart Store” design, where tellers are replaced by
a variety of self service digital interfaces
Page 33
INTEGRATED BRANCHES
NAB’s new “Smart Store” design, where tellers are replaced by
a variety of self service digital interfaces
Page 34
INNOVATION

Page 35
THE FUTURE
MORE CONNECTIONS, MORE DEVICES

Page 36
Thank You
Jim Marous
011-216-218-4257
jmarous@newcontrol.com

Bank Marketing Strategy Blog
wwwjimmarous.blogspot.com

Page 37

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