Poste Italiane is Italy's largest postal service company with a large physical and ICT network. It also has a large financial business called BancoPosta. BancoPosta runs a loyalty program called Sconti BancoPosta (SBP) that offers cashback rewards for purchases made with BancoPosta cards at partner merchants. SBP has over 13.5 million cardholders and is growing its network of participating merchants, which currently numbers over 19,000 across various categories. Poste Italiane has started using Facebook to promote SBP and engage customers, such as through a "charity deal" campaign where donations were made based on customer check-ins at SBP merchants. Social commerce is growing
BancoPosta and Customer Engagement - Paolo BaldrigaOpenKnowledge srl
The document discusses BancoPosta's use of social media and loyalty programs to engage customers. It provides details on BancoPosta's Sconti BancoPosta loyalty program, including its large number of cardholders and growing network of merchant partners. It also describes two case studies: a charity deal on Facebook to promote the loyalty program, and Postepay Deals, a new marketplace on Facebook dedicated to BancoPosta's prepaid customers. The document concludes by discussing key advantages of using Facebook for financial institutions and potential future scenarios for social commerce.
This document discusses the launch of an electronic billing platform called Zoomit. It aims to improve the financial efficiency of the billing process by bringing invoices and payments together electronically. Zoomit would allow suppliers to send invoices digitally to customers through their internet banking, integrating invoice details with payment. This has the potential to reduce costs for both suppliers and customers through straight-through processing and faster payment cycles. The launch of SEPA provides an incentive for companies to transition to this more efficient electronic billing system.
The document discusses key trends in mobile banking and benchmarks for innovation in Europe and the rest of the world (ROW). It covers how some banks have made mobile a standalone channel or distribution channel, focusing on account access, payments, loans, and driving broader digital strategies. Specific examples highlighted include La Caixa making mobile a full channel in Europe, Akbank distributing loans via mobile banners, and Wells Fargo using mobile as a standalone channel in the ROW. The document analyzes how mobile banking is evolving from early notification services to a critical part of digital transformation.
The document discusses Rabobank's mobile banking and payments subsidiary Rabo Mobiel. It provides an overview of Rabobank and Rabo Mobiel, describing their large customer base, innovation focus, and AAA credit rating. It then outlines Rabo Mobiel's product rollout strategy from 2007-2012, focusing on trials and integration with partners. Key challenges and opportunities around mobile security and payments in the Netherlands are also summarized.
Thanks to the impressive development of e-commerce, recent years have proven successful for distance sellers, despite challenging economic conditions. In Europe, online sales have doubled since 2005. Growth rates in most European e-retail markets exceeded 20% in 2011, an d the majority of consumers are now buying online as internet sales nudge closer to the 10% of all retail sales mark. However, there are major differences across European countries; payment insecurity, privacy concerns, and lack of trust barriers still exist. Cross-border sales represent a small percentage of online transactions, where concerns about international shipping and the lack of cost transparency still hold back sales. In responding to customer needs and those of merchants and online sellers, the need for a competitively-priced, reliable European packet and parcel network, coupled with visibility of the actual landed cost of shipping has never been greater. Swiss Post will highlight various distribution options and customer-driven service features that are available to help Belgium-based merchants achieve greater online sales within and beyond Europe.
In depth appreciation of the key trends driving cross-border e-commerce. Assessment of the barriers that still exist, and how merchants (SMEs and larger sellers) can benefit from an effective high-quality parcels network. Visitors will also be given an overview of the total landed cost model being developed by Swiss Post to help boost cross-border sales through transparent shipping costs and total visibility.
BankWorld is a self-service banking platform that allows banks to deliver an integrated suite of electronic channels including ATM, internet, mobile, kiosk, and POS from a single platform. It provides banks with tools to customize offerings, implement multi-factor fraud prevention, and analyze customer information to target products and services across channels. The document discusses BankWorld's capabilities and provides a case study of its implementation at Standard Bank Group to expand self-service banking across Africa.
1) The document discusses an online portal called 'Being Stylish' that sells merchandise used in Bollywood movies.
2) It aims to partner with film production houses and stars to source authentic merchandise and offer a share of profits.
3) The portal would sell merchandise through auctions and fixed pricing, targeting different consumer segments.
Len Pienaar, CEO: Mobile and Transact Solutions for First National Bank (FNB) – a division of FirstRand Bank Limited, South Africa. See http://thefinanser.co.uk/fsclub/2009/06/there-are-loads-of-discussions-about-mobile-financial-services-right-now-not-least-at-the-financial-services-club-for-examp.html for more information.
BancoPosta and Customer Engagement - Paolo BaldrigaOpenKnowledge srl
The document discusses BancoPosta's use of social media and loyalty programs to engage customers. It provides details on BancoPosta's Sconti BancoPosta loyalty program, including its large number of cardholders and growing network of merchant partners. It also describes two case studies: a charity deal on Facebook to promote the loyalty program, and Postepay Deals, a new marketplace on Facebook dedicated to BancoPosta's prepaid customers. The document concludes by discussing key advantages of using Facebook for financial institutions and potential future scenarios for social commerce.
This document discusses the launch of an electronic billing platform called Zoomit. It aims to improve the financial efficiency of the billing process by bringing invoices and payments together electronically. Zoomit would allow suppliers to send invoices digitally to customers through their internet banking, integrating invoice details with payment. This has the potential to reduce costs for both suppliers and customers through straight-through processing and faster payment cycles. The launch of SEPA provides an incentive for companies to transition to this more efficient electronic billing system.
The document discusses key trends in mobile banking and benchmarks for innovation in Europe and the rest of the world (ROW). It covers how some banks have made mobile a standalone channel or distribution channel, focusing on account access, payments, loans, and driving broader digital strategies. Specific examples highlighted include La Caixa making mobile a full channel in Europe, Akbank distributing loans via mobile banners, and Wells Fargo using mobile as a standalone channel in the ROW. The document analyzes how mobile banking is evolving from early notification services to a critical part of digital transformation.
The document discusses Rabobank's mobile banking and payments subsidiary Rabo Mobiel. It provides an overview of Rabobank and Rabo Mobiel, describing their large customer base, innovation focus, and AAA credit rating. It then outlines Rabo Mobiel's product rollout strategy from 2007-2012, focusing on trials and integration with partners. Key challenges and opportunities around mobile security and payments in the Netherlands are also summarized.
Thanks to the impressive development of e-commerce, recent years have proven successful for distance sellers, despite challenging economic conditions. In Europe, online sales have doubled since 2005. Growth rates in most European e-retail markets exceeded 20% in 2011, an d the majority of consumers are now buying online as internet sales nudge closer to the 10% of all retail sales mark. However, there are major differences across European countries; payment insecurity, privacy concerns, and lack of trust barriers still exist. Cross-border sales represent a small percentage of online transactions, where concerns about international shipping and the lack of cost transparency still hold back sales. In responding to customer needs and those of merchants and online sellers, the need for a competitively-priced, reliable European packet and parcel network, coupled with visibility of the actual landed cost of shipping has never been greater. Swiss Post will highlight various distribution options and customer-driven service features that are available to help Belgium-based merchants achieve greater online sales within and beyond Europe.
In depth appreciation of the key trends driving cross-border e-commerce. Assessment of the barriers that still exist, and how merchants (SMEs and larger sellers) can benefit from an effective high-quality parcels network. Visitors will also be given an overview of the total landed cost model being developed by Swiss Post to help boost cross-border sales through transparent shipping costs and total visibility.
BankWorld is a self-service banking platform that allows banks to deliver an integrated suite of electronic channels including ATM, internet, mobile, kiosk, and POS from a single platform. It provides banks with tools to customize offerings, implement multi-factor fraud prevention, and analyze customer information to target products and services across channels. The document discusses BankWorld's capabilities and provides a case study of its implementation at Standard Bank Group to expand self-service banking across Africa.
1) The document discusses an online portal called 'Being Stylish' that sells merchandise used in Bollywood movies.
2) It aims to partner with film production houses and stars to source authentic merchandise and offer a share of profits.
3) The portal would sell merchandise through auctions and fixed pricing, targeting different consumer segments.
Len Pienaar, CEO: Mobile and Transact Solutions for First National Bank (FNB) – a division of FirstRand Bank Limited, South Africa. See http://thefinanser.co.uk/fsclub/2009/06/there-are-loads-of-discussions-about-mobile-financial-services-right-now-not-least-at-the-financial-services-club-for-examp.html for more information.
KF is the union of 58 Swedish consumer co-operative societies with over 3 million members. In 2005, KF recorded a strong profit of SEK 715 million and continued to be financially strong. KF owns 42% of Coop Norden, the largest FMCG player in the Nordic region, and operates other subsidiaries that support the FMCG operations through services and real estate. KF works to develop the consumer co-operative movement and provide benefits to members.
The document summarizes the retail market in Livermore, California in the 4th quarter of 2010. It finds mixed signals, with a small amount of positive absorption but little activity for large spaces. Vacancy rates improved slightly but large vacancies remain. Optimism remains that planned construction starting in 2011 could boost the market, but Livermore needs more large employers to attract retailers to fill vacant spaces and continue development. Recent retail leasing transactions in Livermore are also listed.
This document discusses how firms can use data on explicit consumer networks to improve consumer rankings. It describes consumer networks where nodes represent individuals and edges represent transactions between them. The document suggests that by analyzing dependencies between consumers in a network, firms can better rank customers based on their likelihood of responding to marketing, committing fraud, donating to causes, and spreading information about products.
This document discusses how communication and purchasing habits are changing with the rise of digital technologies like mobile phones and e-commerce. It notes that postal operators must adapt their operations to these changing trends, and considers new business models for postal services to stay ahead of these rapid changes in customer behavior. Specifically, it presents a case study of an "all-inclusive e-commerce" model used by Magyar Posta to provide a full suite of services like delivery, cash on delivery, returns, and reporting to support online sellers in their country. The document emphasizes that postal operators must work with partners and offer flexible, customer-centric solutions to remain relevant in a world of constant technological change.
Mobile Media Workshop At Fre Sh Communityitalo.gani
The document discusses:
1. m-STARS' permission-based mobile marketing model and how it allows targeted SMS and RBT advertising campaigns.
2. The benefits for brands of targeted mobile media, including metrics on m-STARS' large audience base.
3. Examples of m-STARS mobile marketing campaigns and case studies for airlines, banking, and FMCG clients.
4. The importance of interactive and creative ad formats for mobile, and m-STARS' lineup of SMS, mobile app, and WAP-
This document discusses how Rabo Development is using mobile and branchless banking models to expand access to financial services in Africa. It provides examples of mobile banking products launched by some of Rabo Development's partner banks in countries like Zambia, Tanzania, Malawi, and Rwanda. These products allow customers to perform transactions like checking balances, transferring funds, and paying bills using their mobile phones without needing to visit a traditional bank branch. The document emphasizes how these mobile banking models have helped various partner banks acquire hundreds of thousands of new customers and improve financial inclusion across Africa.
Presentation by Mr Kārlis Cerbulis, economics expert, Senior Vice President, NCH Advisors Inc. Baltic States at EP ECR group meeting in Riga, Latvia on September, 2010.
HomeShop18 is a new venture from Network18 that operates a nationally televised home shopping service selling brands through cable TV and internet. It has over 3,500 employees across 30 locations globally. HomeShop18 has become very successful, serving over 7.5 million customers with daily call volumes over 40,000 and annual gross sales reaching Rs. 9,000 million. The company implements departmental MIS to generate reports for decision making and has customized modules for products, airing slots, customers, contact center, deliveries, sales, and dashboards. HomeShop18 also partners with top brands and reaches customers through its 24 hour TV channel and partnerships with other Network18 channels.
The MABS Program provides technical assistance and training to rural banks in the Philippines to increase access to banking services for microenterprise clients. It has helped over 100 banks and 1,300 branches provide loans, deposits, insurance, money transfers and mobile banking to over 950,000 micro-borrowers and 1.4 million micro-depositors. Rural banks are leveraging the widespread mobile phone network in the Philippines to overcome issues around cash-in/cash-out access in rural areas by training local merchants to become mobile money agents and establishing their own kiosks and sub-offices. Standardized ID cards and simplified KYC are also helping to promote mobile money through rural banks.
Expanding Customer Base through an Increasingly Interconnected EconomyJeff Ng
Analysts are predicting a continual shift to online commerce, while the consumer confidence is declining amidst global trade and stock. Competition has never been tougher. A silver lining is the HKSAR and HKMA's drive to leverage technology - Open API for Banking, Virtual Banking, IoT, AI - which will create an Interconnected and shared Data economy. The session speaker will discuss (1) how these (seemingly finance) initiatives will actually impact the cross industries, what it means to the customers and to the Retail business, across the local, Greater Bay Area, mainland and global consumer markets; and (2) in today’s world of ever-expanding interconnectivity, what Enterprises can do today to get on the wagon - if not already- to develop a new business model in today’s digital economy, while preserving security.
https://live.insideretail.hk/retail-marketing-class-2/
This document discusses open banking and its opportunities for improving corporate treasury management. It outlines challenges that businesses face with financial operations and the need for real-time control and data. Open banking using APIs can automate operations, reduce banking costs, and give mid-sized companies enterprise-level treasury solutions. The document introduces FinqTreasury, a platform that embeds financial operations into ERP systems using open banking APIs to provide services like payments, cash management, and analytics.
The document describes FORFIRM, an ICT company specialized in fintech, and its spinoff IBANP, a fintech startup with the mission of implementing account number portability. IBANP aims to introduce portability of IBAN numbers, similar to mobile phone numbers, to increase competition and reduce costs for banks and customers. It proposes using blockchain and PSD2 to allow banks to securely share customer data and payment routing through a centralized database accessed via a plug-in solution. This could facilitate internal bank account migrations, increase account holder mobility, and significantly reduce compliance costs for banks.
The Flexkom-Concept will completely revolutionize the B2B/Affiliate Industry/Referral Systems because it is a franchise model. The concept combines online and offline commerce into one platform by turning retail shops into franchise locations and enabling customers to make purchases both in stores and online. This allows franchise partners to generate revenue from customer cards and purchases across the entire Flexkom network.
Caixa Galicia is a major Spanish bank that has used IBM System z mainframes for over 40 years. The mainframes have enabled the bank to dramatically grow through acquisitions, launch innovative products, automate transactions, and achieve industry-leading low transaction costs. This case study examines how Caixa Galicia's world-class IT infrastructure, centered around the mainframes, has positioned it for continued success as the banking industry consolidates in Spain. Key executives explain how strategic investments in innovation and IT research have driven the bank's technological leadership among Spanish savings banks.
Socbay Mobile Ads is a subsidiary of Naiscorp that provides mobile marketing solutions like mobile apps, banners, and games to help companies promote their brands on mobile. It analyzes the growing mobile usage in Vietnam and the benefits of mobile marketing. The document outlines Socbay's offerings, pricing, success stories, and encourages businesses to utilize mobile marketing through their platform.
NFC Momentum in Brazil @GSMA Directory Meeting in Vinã Del Mar, Chile💡Renato Luis Silva
The document summarizes recent developments in near field communication (NFC) payments in Brazil. It states that the four major mobile network operators in Brazil have signed agreements on standards for NFC deployment by the end of 2012. It also notes that Bradesco bank has started rolling out contactless payment cards, and that Visa wants NFC to be fully operational in Brazil by the 2014 FIFA World Cup.
This document provides an overview of branchless banking and the state of the industry. It discusses how branchless banking uses technology like mobile phones and agents to provide financial services outside traditional bank branches. The key points covered include:
- Mobile phone ownership has grown significantly in developing countries but banking access remains low. Branchless banking aims to bridge this gap.
- Business models rely on widespread agent networks where customers can transact. This can significantly reduce costs compared to branches.
- The industry is still growing but faces challenges with customer activation rates and developing sustainable business models.
- Ongoing areas of focus include improving products, understanding customer needs, developing agents and business models, facilitating government payments, interoper
Sarah Rotman of CGAP was kind enough to present on the basics of branchless banking to NetHope's Payment Innovations Working Group in March 2012, which is open to all NetHope members. Please contact hamilton.mcnutt@nethope.org for more information.
KUAILIAN is a disruptive movement formed by an international community
of entrepreneurial users, programmers and experts in Crypto-technology
united under the same mission.
We have technological partners that provide us with the most advanced
and innovative developments, a fact that makes us a leading company and
prepared for a constant evolution in a vertiginous market.
Together we have created #KUAILIAN CLUB.
KF is the union of 58 Swedish consumer co-operative societies with over 3 million members. In 2005, KF recorded a strong profit of SEK 715 million and continued to be financially strong. KF owns 42% of Coop Norden, the largest FMCG player in the Nordic region, and operates other subsidiaries that support the FMCG operations through services and real estate. KF works to develop the consumer co-operative movement and provide benefits to members.
The document summarizes the retail market in Livermore, California in the 4th quarter of 2010. It finds mixed signals, with a small amount of positive absorption but little activity for large spaces. Vacancy rates improved slightly but large vacancies remain. Optimism remains that planned construction starting in 2011 could boost the market, but Livermore needs more large employers to attract retailers to fill vacant spaces and continue development. Recent retail leasing transactions in Livermore are also listed.
This document discusses how firms can use data on explicit consumer networks to improve consumer rankings. It describes consumer networks where nodes represent individuals and edges represent transactions between them. The document suggests that by analyzing dependencies between consumers in a network, firms can better rank customers based on their likelihood of responding to marketing, committing fraud, donating to causes, and spreading information about products.
This document discusses how communication and purchasing habits are changing with the rise of digital technologies like mobile phones and e-commerce. It notes that postal operators must adapt their operations to these changing trends, and considers new business models for postal services to stay ahead of these rapid changes in customer behavior. Specifically, it presents a case study of an "all-inclusive e-commerce" model used by Magyar Posta to provide a full suite of services like delivery, cash on delivery, returns, and reporting to support online sellers in their country. The document emphasizes that postal operators must work with partners and offer flexible, customer-centric solutions to remain relevant in a world of constant technological change.
Mobile Media Workshop At Fre Sh Communityitalo.gani
The document discusses:
1. m-STARS' permission-based mobile marketing model and how it allows targeted SMS and RBT advertising campaigns.
2. The benefits for brands of targeted mobile media, including metrics on m-STARS' large audience base.
3. Examples of m-STARS mobile marketing campaigns and case studies for airlines, banking, and FMCG clients.
4. The importance of interactive and creative ad formats for mobile, and m-STARS' lineup of SMS, mobile app, and WAP-
This document discusses how Rabo Development is using mobile and branchless banking models to expand access to financial services in Africa. It provides examples of mobile banking products launched by some of Rabo Development's partner banks in countries like Zambia, Tanzania, Malawi, and Rwanda. These products allow customers to perform transactions like checking balances, transferring funds, and paying bills using their mobile phones without needing to visit a traditional bank branch. The document emphasizes how these mobile banking models have helped various partner banks acquire hundreds of thousands of new customers and improve financial inclusion across Africa.
Presentation by Mr Kārlis Cerbulis, economics expert, Senior Vice President, NCH Advisors Inc. Baltic States at EP ECR group meeting in Riga, Latvia on September, 2010.
HomeShop18 is a new venture from Network18 that operates a nationally televised home shopping service selling brands through cable TV and internet. It has over 3,500 employees across 30 locations globally. HomeShop18 has become very successful, serving over 7.5 million customers with daily call volumes over 40,000 and annual gross sales reaching Rs. 9,000 million. The company implements departmental MIS to generate reports for decision making and has customized modules for products, airing slots, customers, contact center, deliveries, sales, and dashboards. HomeShop18 also partners with top brands and reaches customers through its 24 hour TV channel and partnerships with other Network18 channels.
The MABS Program provides technical assistance and training to rural banks in the Philippines to increase access to banking services for microenterprise clients. It has helped over 100 banks and 1,300 branches provide loans, deposits, insurance, money transfers and mobile banking to over 950,000 micro-borrowers and 1.4 million micro-depositors. Rural banks are leveraging the widespread mobile phone network in the Philippines to overcome issues around cash-in/cash-out access in rural areas by training local merchants to become mobile money agents and establishing their own kiosks and sub-offices. Standardized ID cards and simplified KYC are also helping to promote mobile money through rural banks.
Expanding Customer Base through an Increasingly Interconnected EconomyJeff Ng
Analysts are predicting a continual shift to online commerce, while the consumer confidence is declining amidst global trade and stock. Competition has never been tougher. A silver lining is the HKSAR and HKMA's drive to leverage technology - Open API for Banking, Virtual Banking, IoT, AI - which will create an Interconnected and shared Data economy. The session speaker will discuss (1) how these (seemingly finance) initiatives will actually impact the cross industries, what it means to the customers and to the Retail business, across the local, Greater Bay Area, mainland and global consumer markets; and (2) in today’s world of ever-expanding interconnectivity, what Enterprises can do today to get on the wagon - if not already- to develop a new business model in today’s digital economy, while preserving security.
https://live.insideretail.hk/retail-marketing-class-2/
This document discusses open banking and its opportunities for improving corporate treasury management. It outlines challenges that businesses face with financial operations and the need for real-time control and data. Open banking using APIs can automate operations, reduce banking costs, and give mid-sized companies enterprise-level treasury solutions. The document introduces FinqTreasury, a platform that embeds financial operations into ERP systems using open banking APIs to provide services like payments, cash management, and analytics.
The document describes FORFIRM, an ICT company specialized in fintech, and its spinoff IBANP, a fintech startup with the mission of implementing account number portability. IBANP aims to introduce portability of IBAN numbers, similar to mobile phone numbers, to increase competition and reduce costs for banks and customers. It proposes using blockchain and PSD2 to allow banks to securely share customer data and payment routing through a centralized database accessed via a plug-in solution. This could facilitate internal bank account migrations, increase account holder mobility, and significantly reduce compliance costs for banks.
The Flexkom-Concept will completely revolutionize the B2B/Affiliate Industry/Referral Systems because it is a franchise model. The concept combines online and offline commerce into one platform by turning retail shops into franchise locations and enabling customers to make purchases both in stores and online. This allows franchise partners to generate revenue from customer cards and purchases across the entire Flexkom network.
Caixa Galicia is a major Spanish bank that has used IBM System z mainframes for over 40 years. The mainframes have enabled the bank to dramatically grow through acquisitions, launch innovative products, automate transactions, and achieve industry-leading low transaction costs. This case study examines how Caixa Galicia's world-class IT infrastructure, centered around the mainframes, has positioned it for continued success as the banking industry consolidates in Spain. Key executives explain how strategic investments in innovation and IT research have driven the bank's technological leadership among Spanish savings banks.
Socbay Mobile Ads is a subsidiary of Naiscorp that provides mobile marketing solutions like mobile apps, banners, and games to help companies promote their brands on mobile. It analyzes the growing mobile usage in Vietnam and the benefits of mobile marketing. The document outlines Socbay's offerings, pricing, success stories, and encourages businesses to utilize mobile marketing through their platform.
NFC Momentum in Brazil @GSMA Directory Meeting in Vinã Del Mar, Chile💡Renato Luis Silva
The document summarizes recent developments in near field communication (NFC) payments in Brazil. It states that the four major mobile network operators in Brazil have signed agreements on standards for NFC deployment by the end of 2012. It also notes that Bradesco bank has started rolling out contactless payment cards, and that Visa wants NFC to be fully operational in Brazil by the 2014 FIFA World Cup.
This document provides an overview of branchless banking and the state of the industry. It discusses how branchless banking uses technology like mobile phones and agents to provide financial services outside traditional bank branches. The key points covered include:
- Mobile phone ownership has grown significantly in developing countries but banking access remains low. Branchless banking aims to bridge this gap.
- Business models rely on widespread agent networks where customers can transact. This can significantly reduce costs compared to branches.
- The industry is still growing but faces challenges with customer activation rates and developing sustainable business models.
- Ongoing areas of focus include improving products, understanding customer needs, developing agents and business models, facilitating government payments, interoper
Sarah Rotman of CGAP was kind enough to present on the basics of branchless banking to NetHope's Payment Innovations Working Group in March 2012, which is open to all NetHope members. Please contact hamilton.mcnutt@nethope.org for more information.
KUAILIAN is a disruptive movement formed by an international community
of entrepreneurial users, programmers and experts in Crypto-technology
united under the same mission.
We have technological partners that provide us with the most advanced
and innovative developments, a fact that makes us a leading company and
prepared for a constant evolution in a vertiginous market.
Together we have created #KUAILIAN CLUB.
H.hammer a.dobrosman e-invoices_in_retailECR Community
1. The document discusses e-invoices in Baltic retail, including requirements, progress, and challenges.
2. E-invoice use is growing in the Baltics but penetration remains low, around 4.3% of total invoices. Key retailers are actively promoting e-invoice use with suppliers.
3. Implementing e-invoices is complicated due to the large number of different ERP systems, document format requirements, and additional requirements from retailers. It is also expensive for suppliers to develop their systems to export e-invoices. E-invoice projects require careful planning to avoid failure.
Seamless Receipts Investor Presentation January 2011Keith Cowing
This presentation outlines Seamless Receipts' solution for helping retailers engage customers after purchases through personalized digital receipts. It has seen early success with beta launches, growing email lists by 400% and open rates 4x higher than typical emails. The company is raising $1.15M to expand its direct sales team, launch with 40 additional retailers, and develop new features to build on its lead in the emerging market for digital customer engagement.
Mobile banking will revolutionize financial services in emerging countries where many people lack access to traditional banking. In Bangladesh specifically, mobile banking is poised for tremendous growth. It will benefit consumers, enterprises, the government, merchants, and agents. Mobile banking allows payments anywhere, anytime through any channel in a more efficient and transparent way. It creates new revenue streams for banks while reducing costs and increasing financial inclusion.
The NRB Group: ICT Quality, Innovation And Expertise At The Service Of Your B...NRB
NRB is one of the major ICT services and solutions provider in Belgium and disposes of its own state-of-the-art geographic redundant datacenters. We are dedicated to the financial sector, the public & social sector, the utilities and the industry.
This document discusses mobile payments and provides three key points:
1. It outlines different types of mobile payments that are developing, such as mobile NFC payments, mobile money transfers, and mobile commerce.
2. It analyzes growth trends in mobile payments in both developed and developing markets, noting strong expected growth across channels like mobile web and apps.
3. It argues that the future of mobile payments in developed markets involves a flexible consumer app that allows one-click purchases and payments across multiple channels from both mobile and desktop environments using the phone for authentication.
Scotiabank and Royal Bank of Canada introduced wireless point-of-sale solutions nationwide, allowing merchants to process debit and credit card transactions using handheld wireless terminals anywhere within ten seconds. Both banks launched large-scale rollouts of the mobile payment technology, powered by the Cantel AT&T Mobitex Network, significantly advancing financial services in Canada and convenience for customers. Adoption of the wireless terminals has been rapid among businesses recognizing the benefits of increased mobility and cash flow.
Internet banking allows customers to conduct banking transactions over the Internet. ICICI Bank was the first bank in India to offer Internet banking through their "Infinity" service. Infinity allows customers to check balances, view statements, transfer funds between accounts, pay bills online, and more. It provides convenience as customers can bank anytime from anywhere through a secure login using their user ID and password. As more people adopt online banking, banks expect the percentage of customers using Internet banking to increase significantly in the coming years. ICICI Bank's architecture for Internet banking involves clients connecting to access points secured by PIN codes and passwords, with servers processing transactions over switched networks and gateways.
Ähnlich wie Bancoposta al Social business forum 8 giugno v2 (20)
New Visa Rules for Tourists and Students in Thailand | Amit Kakkar Easy VisaAmit Kakkar
Discover essential details about Thailand's recent visa policy changes, tailored for tourists and students. Amit Kakkar Easy Visa provides a comprehensive overview of new requirements, application processes, and tips to ensure a smooth transition for all travelers.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Enhancing Asset Quality: Strategies for Financial Institutionsshruti1menon2
Ensuring robust asset quality is not just a mere aspect but a critical cornerstone for the stability and success of financial institutions worldwide. It serves as the bedrock upon which profitability is built and investor confidence is sustained. Therefore, in this presentation, we delve into a comprehensive exploration of strategies that can aid financial institutions in achieving and maintaining superior asset quality.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
Machine Learning in Business - A power point presentation.pptx
Bancoposta al Social business forum 8 giugno v2
1. BancoPosta and Customer Engagement
Paolo Baldriga
Head of Communication, Loyalty and Partnership
2. Poste Italiane - Company profile
LOGISTIC NETWORK
PHYSICAL NETWORK
!!14,000 post offices
!!5,000 offices of delivery !!41,000 vehicles
!!4,500 couriers
!!22 automated sorting centres
!!320 semi-trailers
!!3 aircrafts & 16 flights/day
!!3 automated hubs
ICT
!!12,000 post offices linked in wide band to more than 10
Gbps
!!High capacity IP transmission network best in class
!!5 Data Centres with 1000 Terabyte storage capacity
!!Datawarehouse with 32 m customers
!!Real time ongoing service monitoring
!!60,000 workstations
!!Over 1,400 Contact Centre operators
!!6000 ATMs (cash dispensers)
MULTI-CHANNEL !!600 multimedia kiosks
ACCESS NETWORK !!2.000.000 Mobile phones
Poste Italiane – the “Network company” – is the largest Italian company focused on serving
both citizens and enterprises, and having the most modern integrated network and platform
systems
6-06-2011
3. BancoPosta is Poste Italiane financial business unit
Brand values transparency and affordability
No risk taking The customers of BancoPosta trust Poste Italiane because
we guarantee no risk financial products
Leadership !400 bln Total Customer Assets (>10% market share, 2x
vs the banking leader)
~ 14.000 Post Offices (~30% market share,)
~ 26 mln. Customers, of which more than 13,5 mln
cardholders
~6,3 mln Postamat (~17% market share debit cards)
~7 mln PostePay (~55% market share prepaid cards)
~0,3 mln credit cards
Online banking ~ 1,2 mln of online accounts with 16 mln
transactions per year
6-06-2011
4. Sconti BancoPosta – Value Proposition
Sconti BancoPosta (SBP) is BancoPosta loyalty program, based on cashback
rewards to cardholders for purchases made at participating merchants
Create a wide network of partnerships with main
Mission
players in each industry to influence consumers’
behaviours
Structure Bilateral co-marketing agreements
BancoPosta/Partner
Cashback for purchases made with
Lever to change
BancoPosta cards at Partners’ stores,
customer
credited on current account or prepaid
behaviour
card
Business objectives
Partner BancoPosta
1- Generate traffic and acquisition 1- Increase card usage and shift to
opportunities on BancoPosta cardholders “front of wallet” card
2- Increase frequency of purchases and/or 2- Boost prepaid acquisition through co-
average spending either of existing or of branding proposition
new customers
3- Partner with BancoPosta on
communication activities, marketing
initiatives and customized CRM analysis
6-06-2011
5. Sconti BancoPosta – The largest italian loyalty program
Among Italian loyalty programs, SBP has the highest number of customers:
over 13,5 mln cards
6,3 7,2 0,3
mln mln mln
Debit Prepaid Credit
6-06-2011
6. Sconti BancoPosta – A growing network of merchants
Participating merchants cover all main merchants categories and are expected to
reach 25.000 by the end of 2011
Merchant distribution by category Merchant distribution by category
100%=19.409 Merchants
(March 2011)
25.000
5x 19.409
)*+,-./-0,+$ 15.764
'(#$ !"#$ 1223$
11.292
452,6708$
9*,/25$ 7,.51
%&#$ 5.000
'#$ %'#$ :5*;,/207;+$
%'#$ <,6*/+$
Q1 Q2 Q3 Q4 Q1 2011 End 2011
2010 2010 2010 2010
6-06-2011
7. Merchants belonging to SBP are growing 5 times faster than not participating
Debit Cards transactions values (merchants cards spending)*
SBP Other
Merchants Merchants
Spending Spending
89!M
+48%
60!M
+9,7% 2.299!
M
2.095!
M
Q4 2009 Q4 2010
* Transactions value on SBP circuit = Transactions value coming from Debit cards
enrolled with the program vs. ~19k retailers on-boarded. Transactions value out of
circuit = Transactions value coming from Debit cards enrolled with the program vs.
retailers out of circuit
6-06-2011
8. Why should a financial institution resort to facebook to engage its customers?
" ! 19 mln facebook users in Italy
" ! facebook possesses a new geo-localization service: Places
" ! Every loyalty program needs to increase awareness about its a liated
merchants operating in a specific area
6-06-2011
9. Sconti BancoPosta Charity Deal on facebook – Case study
" ! Objective: increase SBP loyalty program brand awareness among customers and
prospects
" ! Value proposition: BancoPosta offers a “charity deal” and donates 2! to three non profit
organizations (Axè Italia, Fondazione Gostino and Vosvim) for each check-in at a
merchant affiliated with SBP
" ! Sconti BancoPosta Charity Deal is one of the initiatives adopted for the official
launch of facebook Deals in Italy and Europe (1° February 2011)
6-06-2011
10. Sconti BancoPosta Charity Deal on facebook - Flow
Find SBP merchants SBP promotional
from your area Check-in Claim “charity deal” message you would
offering “charity deal” receive after claiming
the deal
6-06-2011
11. Sconti BancoPosta Charity Deal on facebook - Results
Some data about Charity Deal from 1st to 28th February 2011:
" ! Check-Ins: around 10.000
" ! Impressions on the tab “Sconti” of Poste Italiane Fan Page (hosting Charity Deal
description): over 35.000
" ! % growth of Poste Italiane Fans: +126%
6-06-2011
12. Social commerce Scenario in Italy and Global
Mln !
eCommerce Market in Italy
+19%
+15% 49% growth of services related to
Social Commerce
Osservatorio eCommerce B2c
Netcomm – School of Management Politecnico di
Milano (May 2011)
*Forecast
" ! For 14% of Italian internet users, Social networks are key drivers of online purchases
" ! Social Commerce will reach a global turnover of 30 billions $ in 2015
" ! facebook is one of the most powerful engines of Social Commerce: more than 1
millions websites have Social Layers related to facebook and over 150 millions of
people interact with facebook through external websites every month
Sources: eCommerce Consumer Behaviour Report 2011, ContactLab – Netcomm, Booz & Company, facebook
6-06-2011
13. Postepay Deals – Case study
" ! Objective: Postepay Deals is the new marketplace dedicated to postepay customer
base. It aims at increasing the online spending of the pre-paid cardholders
" ! The value proposition targeting the cardholders is to provide the postepay
community with online deals in order to increase on one hand the feeling of
belonging and on the other to engage customers
" ! Business model: co-marketing agreements with merchants operating online based on
revenue share with Poste Italiane
" ! Channels:
-! postepay.it
-! facebook application
(available on the fan page
of Poste Italiane)
6-06-2011
14. Postepay Deals – facebook application flow
•! Click the Like button
to enter Postepay
Deals
•! Allow Poste Italiane to
access your profile
6-06-2011
15. Postepay Deals – facebook application flow
•! Invite your friends
•! Like and Share
6-06-2011
16. Postepay Deals – facebook application flow
•! Participate in the Deal
•! Book your Deal
•! BancoPosta will freeze the
Deal amount on your postepay
until the expiry of the offer or
until reaching the threshold of
participants
6-06-2011
17. Key messages on facebook platform
" ! Earned Media vs Bought Media
" ! Testing your advertising campaigns through consumers reactions
" ! Developing customer engagement by means of facebook applications: new real
time services and new customer experiences
" ! Engage customer through performative advertising: users manifest their tastes and
preferences by pressing the Like button
" ! Virality on social media builds in-store traffic
" ! Social commerce generates a “wow effect” among users/buyers
" ! Be intrusive without being intrusive
" ! A greenfield for Financial Institutions
6-06-2011
18. What are the future scenarios for social commerce
?
6-06-2011
19. What are the future scenarios for social commerce?
6-06-2011
20. Thank you!
Paolo Baldriga, Head of Communication, Loyalty & Partnership
(baldrig5@posteitaliane.it)
6-06-2011