We are following John and Jane through a typical day and explore their every day banking needs. The aim of this presentation is to showcase how modern day banking is transforming today and in the future.
The document discusses the changing landscape of banking as consumers increasingly use digital channels and mobile devices. It notes that consumer behavior is rapidly shifting to digital as customers expect convenience and immediacy. This has redefined the role of branches and increased competition from digital disruptors. However, the document argues that banks still maintain advantages like large customer bases and transaction data that can be leveraged through improved digital and mobile offerings. It stresses that banks must embrace changing customer preferences and focus on deeper customer engagement to remain competitive in this new digital environment.
The Future of Bank Branches Coordinating Physical with DigitalCapgemini
Digital Technologies will Accelerate Branch Transformation, Not Make Them Extinct
Retail banking is evolving at an accelerated pace. Globally, banks are facing disruptions from multiple directions. Business and economic realities have reduced the total number of US bank branches by 3,000 between 2009 and 2012 - a decrease of 3% over the 3-year period. In Spain alone, banks have closed 5,000 branches or 12% of their overall capacity since the financial crisis began in 2008, lowering the total branch count to approximately 40,000 in 2012.
That is not all. Digital technologies have also brought a significant shift in consumer banking behavior. The percentage of US banking customers who prefer to bank online jumped to 62% in 2011, up from 36% the previous year. Today, four of the top five transactional banking activities in North America – bill pay, viewing balances/transactions, viewing statements and money transfer – are happening online.
This brings us to the key question of this paper: do brick-and-mortar branches have a role to play in the future of retail banking?
This document discusses recent trends and the future of retail banking in India. Key trends include increased technology usage, rising incomes, and preference for alternate banking channels. Retail liabilities are expected to grow from tier 2/3 locations through value-added products and services. Retail credit, especially housing, auto, and personal loans, will continue expanding rapidly at 20-30% annually. Challenges include potential rising delinquencies, liquidity mismatches, and fraud risks. Overall, competition is expected to benefit customers through better service and pricing.
The document provides an overview and comparison of digital banking features for 13 major banks across different countries. It summarizes the key online banking registration requirements, activation times, available features, payment options, security measures, compatibility, and customer support for each bank. The banks covered are Barclays, Santander, HSBC, Lloyds, RBS, ANZ, Commonwealth Bank of Australia, Chase, Bank of America, ICICI Bank, Bank of China, Credit Suisse, and Deutsche Bank.
Opportunities for disruption in Financial Services (with a mobile focus)Nadya.Powell
A talk given at the IPA on opportunities for disruption in Financial Services with a focus on mobile. Three strategies to employ, case studies and three golden rules. Thanks to Zoe Decool for research help.
Digital Banking Strategy Roadmap - 3.24.15Calvin Turner
The Digital delivery of banking products and services is already a reality.
Like it or not, your customers will compare their digital banking experience to shopping on Amazon, iTunes, eBay, Southwest Air, etc., and to their digital experiences with large banks that already have robust digital banking offerings.
Traditional banks can’t just push out mobile apps and capabilities to customers and call it a digital banking strategy. Customers expect a seamless integration of the entire online banking experience from initiation to fulfillment. If they are forced to drop off somewhere along the digital experience to print documents, call a representative, and/or visit a branch, you have lost the customer.
Innovation in bank payment systems and related services among selected commer...Alexander Decker
This document discusses innovations in bank payment systems among commercial banks in Ghana. It finds that innovations like automated teller machines, telephone banking, internet banking, mobile banking, debit/credit cards, and e-zwich have contributed positively to banking services and growth. However, problems still exist like security issues with new payment methods and losing of customer trust. The document aims to evaluate customer perceptions of these innovative payment systems and their impact on banking behavior and identifies constraints faced by customers.
The document discusses the changing landscape of banking as consumers increasingly use digital channels and mobile devices. It notes that consumer behavior is rapidly shifting to digital as customers expect convenience and immediacy. This has redefined the role of branches and increased competition from digital disruptors. However, the document argues that banks still maintain advantages like large customer bases and transaction data that can be leveraged through improved digital and mobile offerings. It stresses that banks must embrace changing customer preferences and focus on deeper customer engagement to remain competitive in this new digital environment.
The Future of Bank Branches Coordinating Physical with DigitalCapgemini
Digital Technologies will Accelerate Branch Transformation, Not Make Them Extinct
Retail banking is evolving at an accelerated pace. Globally, banks are facing disruptions from multiple directions. Business and economic realities have reduced the total number of US bank branches by 3,000 between 2009 and 2012 - a decrease of 3% over the 3-year period. In Spain alone, banks have closed 5,000 branches or 12% of their overall capacity since the financial crisis began in 2008, lowering the total branch count to approximately 40,000 in 2012.
That is not all. Digital technologies have also brought a significant shift in consumer banking behavior. The percentage of US banking customers who prefer to bank online jumped to 62% in 2011, up from 36% the previous year. Today, four of the top five transactional banking activities in North America – bill pay, viewing balances/transactions, viewing statements and money transfer – are happening online.
This brings us to the key question of this paper: do brick-and-mortar branches have a role to play in the future of retail banking?
This document discusses recent trends and the future of retail banking in India. Key trends include increased technology usage, rising incomes, and preference for alternate banking channels. Retail liabilities are expected to grow from tier 2/3 locations through value-added products and services. Retail credit, especially housing, auto, and personal loans, will continue expanding rapidly at 20-30% annually. Challenges include potential rising delinquencies, liquidity mismatches, and fraud risks. Overall, competition is expected to benefit customers through better service and pricing.
The document provides an overview and comparison of digital banking features for 13 major banks across different countries. It summarizes the key online banking registration requirements, activation times, available features, payment options, security measures, compatibility, and customer support for each bank. The banks covered are Barclays, Santander, HSBC, Lloyds, RBS, ANZ, Commonwealth Bank of Australia, Chase, Bank of America, ICICI Bank, Bank of China, Credit Suisse, and Deutsche Bank.
Opportunities for disruption in Financial Services (with a mobile focus)Nadya.Powell
A talk given at the IPA on opportunities for disruption in Financial Services with a focus on mobile. Three strategies to employ, case studies and three golden rules. Thanks to Zoe Decool for research help.
Digital Banking Strategy Roadmap - 3.24.15Calvin Turner
The Digital delivery of banking products and services is already a reality.
Like it or not, your customers will compare their digital banking experience to shopping on Amazon, iTunes, eBay, Southwest Air, etc., and to their digital experiences with large banks that already have robust digital banking offerings.
Traditional banks can’t just push out mobile apps and capabilities to customers and call it a digital banking strategy. Customers expect a seamless integration of the entire online banking experience from initiation to fulfillment. If they are forced to drop off somewhere along the digital experience to print documents, call a representative, and/or visit a branch, you have lost the customer.
Innovation in bank payment systems and related services among selected commer...Alexander Decker
This document discusses innovations in bank payment systems among commercial banks in Ghana. It finds that innovations like automated teller machines, telephone banking, internet banking, mobile banking, debit/credit cards, and e-zwich have contributed positively to banking services and growth. However, problems still exist like security issues with new payment methods and losing of customer trust. The document aims to evaluate customer perceptions of these innovative payment systems and their impact on banking behavior and identifies constraints faced by customers.
Mit cc turn into action - digital strategies banking v march2012-Claire Calmejane
Traditional banks face opportunities and threats from digital transformation. They can transform customer experience through analytics, social media, and mobile banking. Technologies also enable more efficient operational processes and workforce enablement. However, non-traditional players threaten banks' business models through new digital products and redistribution of decision-making. Banks must engage in digital transformation to transition to digital and defend against disruption.
Digital transformation involves using digital technologies to radically improve the performance or reach of enterprises. Capgemini is one of the world's foremost providers of consulting, technology and outsourcing services, with over 130,000 employees in more than 40 countries. The presentation discusses digital transformation and how most companies are still in the early "beginner" stages, but outlines examples of leading digital practices in banking like using mobile channels, social media, analytics and digitizing processes to improve the customer experience.
FINTECH companies have seen rapid growth and taken significant market share from traditional banks globally since 2014. They focus on profitable products, grow market share quickly, and operate below regulatory radar. While FINTECH investments are concentrated in the US, the internet has no borders, so all banks must transform digitally to compete. Traditional banks have weaknesses like over-regulated processes and legacy systems compared to FINTECH strengths like interconnected data and technology. Banks need to create win-win partnerships with FINTECH and customers to survive the disruption.
This document summarizes a report on global mobile banking trends produced by KPMG using primary survey data from UBS. Some key findings include:
- The number of global mobile banking users is expected to grow rapidly from 0.8 billion in 2014 to 1.8 billion by 2019.
- Adoption rates are highest in developing countries and among younger, more economically active customers.
- Effective mobile banking strategies can provide significant financial benefits to banks like JP Morgan and BNP Paribas.
- Security concerns still inhibit some customer adoption of mobile banking services.
Mobile Banking in 2020 - Mobile World Congress ReportNadejda Tatarciuc
Present report was presented at Mobile World Congress this year, showing the outlook for mobile banking by 2020! - how a younger world, more internet, crime, and activist governments will affect mobile banking penetration.
Disruption, mobile and financial servicesNadya Powell
A presentation given for the IPA on disruption, mobile and financial services. Three strategies to employ and the best disruptive uses of mobile out there. Thanks to Zoe Decool for research help.
We’ve asked customers and partners, spoken to industry experts and made our own conclusions and predictions to help financial organisations succeed in mobile
in 2015.
Who are the mobile innovators and disruptors of the financial industry? How will banks tackle mobile security threats in 2015? What will Apple Pay mean for the financial institutions? What’s the regulatory impact of new mobile technology such as wearables? How do financial institutions stay on top of mobile technology with an accelerated pace of innovation? How much longer will employees of financial firms be tied to a desktop? You'll find the answers in this presentation.
Banking in the Digital Era - Microsoft India PerspectiveMicrosoft India
Authored by Basudev Banerjee, Industry Marketing Lead, Microsoft & Vishnu Bhavaraju, Enterprise Strategy Architect, Microsoft, this document outlines Microsoft’s understanding of the digital and service delivery framework, target operating models and suggested business solution architecture and footprint within the BFSI vertical.
Mobile in Banking and Finance - What Make Sense and What Notr4b
In recent years, the banking & financial services industry has been undergoing rapid changes, reflecting a number of underlying developments. Internet, wireless technology, and global straight-through processing have created a paradigm shift - from brick-and-mortar banks to banking virtually across time zones, geographical locations, access points and delivery channels. Today Mobile revolution has disrupted banking industry and this presentation provides a detailed discussion about issues of Mobile Banking.
Banking On Mobile - Getting Ready for 2016Swrve_Inc
This document discusses how banking is moving towards mobile-first experiences. It provides the following key points:
1) Mobile banking usage is growing rapidly as people interact with banks mainly through their smartphones. Mobile interactions now exceed online interactions in many countries.
2) Younger customers especially millennials expect simple, fast mobile banking and are more likely to switch banks if their needs aren't met digitally.
3) Customers who actively use mobile banking are more engaged with their bank overall, conduct more transactions, and generate more revenue.
4) To succeed, banks need to simplify their offerings, solve customers' problems in the moment through personalized mobile experiences, and save them time. The future is about optimized
The Future of Retail Banking: Customized product offerings and self-service s...Zafin
With the best of intentions, banks often assume what customers want, push the wrong products and services, work in siloes and generalize. Banks tend to forget that their customers are human beings that evolve and so do their needs. Not everyone makes the same choice, so banks need to reflect this in their product offerings.
For banks to differentiate themselves and move forward, they need to allow customers and Relationship Managers to dynamically bundle products and services based on the customer’s preferences. The more you bank with me, the more value we will provide in return.
Under a Product and Pricing Lifecycle Management (PPLM) model, create suitable products and product bundles based on customer or other data across lines of business and business units.
Presented by Zafin’s Meenaz Sunderji, General Manager, Asia Pacific, at the 20th meeting of the World Savings and Retail Banking Institute’s (WSBI) Asia/Pacific Regional Group in Vietnam on May 21, 2014.
www.zafin.com
Opportunities and challenges in Digital Banking pubYair Jacob Porat
The document discusses opportunities and challenges in digital banking. It outlines how embracing digital technologies can help banks in emerging markets boost their economies by $3.7 trillion over the next decade. However, banks face major challenges such as putting customers first, broadening their product suites, and increasing speed and agility. Future views suggest that regulations like PSD2 and GDPR will transform banking by ending banks' exclusive control of customer data and forcing partnerships with other companies. The real threats to banks are seen as technology giants like Google and Facebook entering financial services.
Digital Banking - Industry Trends for Customer ServiceGianluca Ferranti
Consumers’ attitude and benefits of digital banking
Importance of real-time customer interaction in digital banking
Video Banking goes Prime Time
The opportunity for video-enabled interaction to transform retail banking
Mobile banking has seen significant growth with the rise of smartphones, with over half of banking interactions now conducted digitally in many countries. Augmented reality and near field communication technologies allow for new mobile-first experiences like locating ATMs using AR overlays, transferring funds between devices by tapping them together, and using mobile devices as digital wallets. As financial technology companies continue innovating to provide more convenient user experiences, they will increasingly partner with or compete with traditional banks in delivering banking products and services.
This document discusses digital marketing versus branch banking for a bank. It analyzes primary research conducted with bank customers which found that customers' top concerns with digital banking are transaction security, ease of use of mobile apps, and informational security. Benchmarking shows the bank has lower deposits, advances, and capital adequacy ratios than competitors. The document recommends developing a dedicated digital banking, analytics, and social media team to improve the bank's digital capabilities and visibility through better data analysis and CRM. This will help provide quality service across branches and digital channels to acquire greater market share.
Designing the future bank for the digital eraPol Navarro
The document discusses Banco Sabadell's strategy to transform into a digital bank for the future. It focuses on three key areas: 1) Mobile banking, with Banco Sabadell being pioneers in developing mobile apps. Mobile usage has increased conversions and activity. 2) Social media customer service and brand journalism. 3) Developing a new customer relationship model centered around conversations rather than transactions, using mobile and social channels to engage customers across all touchpoints. The goal is to create a more humanized, simple and integrated banking experience for customers.
This presentation on Mobile Banking was given via webinar on May 3rd. The presentation goes into detail regarding predictions on consumer adoption of Mobile Banking.
The document summarizes changes in the payments landscape, including the introduction of Check 21 and new electronic payment methods like check conversion. Check 21 allows checks to be converted into electronic images and processed as substitute checks. Check conversion involves converting checks into ACH payments at points of purchase or through mail/dropboxes with customer authorization. As paper checks decline, organizations must invest in supporting new electronic payment channels and formats.
Banking on innovation by Raja Teh MaimunahJoe Najib
This document discusses the evolution of digital and online banking over the past 20 years. It notes that 400 million people, or 25% of the global internet population, were banking online as of 2013. The top 5 mobile payment markets by volume in 2015 are identified. The document also discusses how technology and innovation have changed banking, with local banks branding their online platforms. It provides an example of the customer journey at Hong Leong Bank, noting how mobility now plays a fundamental role. Specific initiatives by Hong Leong Bank to expand digital capabilities and develop online banking products are also summarized.
The Chinese market is an obvious source of inspiration, talent, and opportunity for Australian businesses. But tackling such a complex market needs considerable context, insight, and cultural understanding.
At ThoughtWorks Live Australia 2016, Angela Ferguson and Hu Kai shared stories and learnings around the level of upfront preparation, commitment, and assessment needed to ensure the best chance of success in the Chinese market.
Digital Banking Innovation - "a Look of Tomorrow"HongLeongBank
Hong Leong Islamic Bank MD/CEO, Raja Teh Maimunah Raja Abdul Aziz delivered a 1-hr talk at NICE2014, organised by MOSTI, on how banking has evolved from the day trading began thousands of years ago, to how digital banking will be at the forefront of all customer engagements.
Mit cc turn into action - digital strategies banking v march2012-Claire Calmejane
Traditional banks face opportunities and threats from digital transformation. They can transform customer experience through analytics, social media, and mobile banking. Technologies also enable more efficient operational processes and workforce enablement. However, non-traditional players threaten banks' business models through new digital products and redistribution of decision-making. Banks must engage in digital transformation to transition to digital and defend against disruption.
Digital transformation involves using digital technologies to radically improve the performance or reach of enterprises. Capgemini is one of the world's foremost providers of consulting, technology and outsourcing services, with over 130,000 employees in more than 40 countries. The presentation discusses digital transformation and how most companies are still in the early "beginner" stages, but outlines examples of leading digital practices in banking like using mobile channels, social media, analytics and digitizing processes to improve the customer experience.
FINTECH companies have seen rapid growth and taken significant market share from traditional banks globally since 2014. They focus on profitable products, grow market share quickly, and operate below regulatory radar. While FINTECH investments are concentrated in the US, the internet has no borders, so all banks must transform digitally to compete. Traditional banks have weaknesses like over-regulated processes and legacy systems compared to FINTECH strengths like interconnected data and technology. Banks need to create win-win partnerships with FINTECH and customers to survive the disruption.
This document summarizes a report on global mobile banking trends produced by KPMG using primary survey data from UBS. Some key findings include:
- The number of global mobile banking users is expected to grow rapidly from 0.8 billion in 2014 to 1.8 billion by 2019.
- Adoption rates are highest in developing countries and among younger, more economically active customers.
- Effective mobile banking strategies can provide significant financial benefits to banks like JP Morgan and BNP Paribas.
- Security concerns still inhibit some customer adoption of mobile banking services.
Mobile Banking in 2020 - Mobile World Congress ReportNadejda Tatarciuc
Present report was presented at Mobile World Congress this year, showing the outlook for mobile banking by 2020! - how a younger world, more internet, crime, and activist governments will affect mobile banking penetration.
Disruption, mobile and financial servicesNadya Powell
A presentation given for the IPA on disruption, mobile and financial services. Three strategies to employ and the best disruptive uses of mobile out there. Thanks to Zoe Decool for research help.
We’ve asked customers and partners, spoken to industry experts and made our own conclusions and predictions to help financial organisations succeed in mobile
in 2015.
Who are the mobile innovators and disruptors of the financial industry? How will banks tackle mobile security threats in 2015? What will Apple Pay mean for the financial institutions? What’s the regulatory impact of new mobile technology such as wearables? How do financial institutions stay on top of mobile technology with an accelerated pace of innovation? How much longer will employees of financial firms be tied to a desktop? You'll find the answers in this presentation.
Banking in the Digital Era - Microsoft India PerspectiveMicrosoft India
Authored by Basudev Banerjee, Industry Marketing Lead, Microsoft & Vishnu Bhavaraju, Enterprise Strategy Architect, Microsoft, this document outlines Microsoft’s understanding of the digital and service delivery framework, target operating models and suggested business solution architecture and footprint within the BFSI vertical.
Mobile in Banking and Finance - What Make Sense and What Notr4b
In recent years, the banking & financial services industry has been undergoing rapid changes, reflecting a number of underlying developments. Internet, wireless technology, and global straight-through processing have created a paradigm shift - from brick-and-mortar banks to banking virtually across time zones, geographical locations, access points and delivery channels. Today Mobile revolution has disrupted banking industry and this presentation provides a detailed discussion about issues of Mobile Banking.
Banking On Mobile - Getting Ready for 2016Swrve_Inc
This document discusses how banking is moving towards mobile-first experiences. It provides the following key points:
1) Mobile banking usage is growing rapidly as people interact with banks mainly through their smartphones. Mobile interactions now exceed online interactions in many countries.
2) Younger customers especially millennials expect simple, fast mobile banking and are more likely to switch banks if their needs aren't met digitally.
3) Customers who actively use mobile banking are more engaged with their bank overall, conduct more transactions, and generate more revenue.
4) To succeed, banks need to simplify their offerings, solve customers' problems in the moment through personalized mobile experiences, and save them time. The future is about optimized
The Future of Retail Banking: Customized product offerings and self-service s...Zafin
With the best of intentions, banks often assume what customers want, push the wrong products and services, work in siloes and generalize. Banks tend to forget that their customers are human beings that evolve and so do their needs. Not everyone makes the same choice, so banks need to reflect this in their product offerings.
For banks to differentiate themselves and move forward, they need to allow customers and Relationship Managers to dynamically bundle products and services based on the customer’s preferences. The more you bank with me, the more value we will provide in return.
Under a Product and Pricing Lifecycle Management (PPLM) model, create suitable products and product bundles based on customer or other data across lines of business and business units.
Presented by Zafin’s Meenaz Sunderji, General Manager, Asia Pacific, at the 20th meeting of the World Savings and Retail Banking Institute’s (WSBI) Asia/Pacific Regional Group in Vietnam on May 21, 2014.
www.zafin.com
Opportunities and challenges in Digital Banking pubYair Jacob Porat
The document discusses opportunities and challenges in digital banking. It outlines how embracing digital technologies can help banks in emerging markets boost their economies by $3.7 trillion over the next decade. However, banks face major challenges such as putting customers first, broadening their product suites, and increasing speed and agility. Future views suggest that regulations like PSD2 and GDPR will transform banking by ending banks' exclusive control of customer data and forcing partnerships with other companies. The real threats to banks are seen as technology giants like Google and Facebook entering financial services.
Digital Banking - Industry Trends for Customer ServiceGianluca Ferranti
Consumers’ attitude and benefits of digital banking
Importance of real-time customer interaction in digital banking
Video Banking goes Prime Time
The opportunity for video-enabled interaction to transform retail banking
Mobile banking has seen significant growth with the rise of smartphones, with over half of banking interactions now conducted digitally in many countries. Augmented reality and near field communication technologies allow for new mobile-first experiences like locating ATMs using AR overlays, transferring funds between devices by tapping them together, and using mobile devices as digital wallets. As financial technology companies continue innovating to provide more convenient user experiences, they will increasingly partner with or compete with traditional banks in delivering banking products and services.
This document discusses digital marketing versus branch banking for a bank. It analyzes primary research conducted with bank customers which found that customers' top concerns with digital banking are transaction security, ease of use of mobile apps, and informational security. Benchmarking shows the bank has lower deposits, advances, and capital adequacy ratios than competitors. The document recommends developing a dedicated digital banking, analytics, and social media team to improve the bank's digital capabilities and visibility through better data analysis and CRM. This will help provide quality service across branches and digital channels to acquire greater market share.
Designing the future bank for the digital eraPol Navarro
The document discusses Banco Sabadell's strategy to transform into a digital bank for the future. It focuses on three key areas: 1) Mobile banking, with Banco Sabadell being pioneers in developing mobile apps. Mobile usage has increased conversions and activity. 2) Social media customer service and brand journalism. 3) Developing a new customer relationship model centered around conversations rather than transactions, using mobile and social channels to engage customers across all touchpoints. The goal is to create a more humanized, simple and integrated banking experience for customers.
This presentation on Mobile Banking was given via webinar on May 3rd. The presentation goes into detail regarding predictions on consumer adoption of Mobile Banking.
The document summarizes changes in the payments landscape, including the introduction of Check 21 and new electronic payment methods like check conversion. Check 21 allows checks to be converted into electronic images and processed as substitute checks. Check conversion involves converting checks into ACH payments at points of purchase or through mail/dropboxes with customer authorization. As paper checks decline, organizations must invest in supporting new electronic payment channels and formats.
Banking on innovation by Raja Teh MaimunahJoe Najib
This document discusses the evolution of digital and online banking over the past 20 years. It notes that 400 million people, or 25% of the global internet population, were banking online as of 2013. The top 5 mobile payment markets by volume in 2015 are identified. The document also discusses how technology and innovation have changed banking, with local banks branding their online platforms. It provides an example of the customer journey at Hong Leong Bank, noting how mobility now plays a fundamental role. Specific initiatives by Hong Leong Bank to expand digital capabilities and develop online banking products are also summarized.
The Chinese market is an obvious source of inspiration, talent, and opportunity for Australian businesses. But tackling such a complex market needs considerable context, insight, and cultural understanding.
At ThoughtWorks Live Australia 2016, Angela Ferguson and Hu Kai shared stories and learnings around the level of upfront preparation, commitment, and assessment needed to ensure the best chance of success in the Chinese market.
Digital Banking Innovation - "a Look of Tomorrow"HongLeongBank
Hong Leong Islamic Bank MD/CEO, Raja Teh Maimunah Raja Abdul Aziz delivered a 1-hr talk at NICE2014, organised by MOSTI, on how banking has evolved from the day trading began thousands of years ago, to how digital banking will be at the forefront of all customer engagements.
The document discusses retail banking in India. It notes that retail banking refers to banking services offered directly to individual consumers rather than corporations, including savings accounts, loans, credit/debit cards. Indian retail banking is growing rapidly due to increasing consumerism, internet usage, and new banking companies/technology. Banks are adopting strategies from retail stores, such as improved customer service, customized products, and using data to better understand customer needs.
El documento trata sobre la geometría plana, específicamente el tema de los polígonos y la construcción de redes. El documento parece ser parte de una lección o actividad escolar en la que los estudiantes deben dibujar soluciones a problemas relacionados con polígonos y redes.
3 Phases to Email Marketing Webinar - eBook - Bridgeline DigitalBridgeline Digital
The document outlines a 3-phase approach to executing successful email marketing campaigns, similar to developing a game plan in football. Phase 1 involves training, including answering questions about goals and audience, determining the type of email campaign, and considering timing and ISP warming. Proper planning in Phase 1 through audience targeting and clear goals is necessary to set up effective execution in Phase 2 and analysis in Phase 3.
Lineamientos generales saber 11 2014 2 (1) (1)Luz Sierra
Este documento presenta las especificaciones de las pruebas del examen SABER 11° para el segundo semestre de 2014. Incluye información sobre la estructura y contenido de cada una de las cinco pruebas que conforman el examen: Lectura crítica, Matemáticas, Sociales y ciudadanas, Ciencias naturales e Inglés. Además, explica los resultados que se reportarán a los estudiantes y las instituciones educativas.
El documento describe el contexto histórico del sistema financiero español y los factores que llevaron a la crisis actual. Explica cómo la liberalización y desregulación del sector en las décadas de 1980 y 1990 condujo a una mayor competencia pero también a una mayor vulnerabilidad de las entidades, especialmente las cajas de ahorros. También analiza cómo la burbuja inmobiliaria, impulsada en parte por cambios en la ley de suelo de 1998, llevó a un crecimiento excesivo de los préstamos para la vivienda que terminó en crisis
El siglo XVIII fue una época de cambio en Europa. Aunque persistieron el absolutismo y la sociedad estamental, las nuevas ideas de la Ilustración cuestionaron el Antiguo Régimen y promovieron conceptos como los derechos humanos y la democracia. Algunos gobernantes aplicaron reformas inspiradas en la Ilustración, dando lugar al despotismo ilustrado, pero los privilegios de la nobleza y el clero frenaron muchas de las transformaciones propuestas.
Tabla comparativa acerca de los diversos tipos de licencias de softwareAguilarO
El documento presenta un cuadro comparativo de diversos tipos de licencias de software, describiendo las características, ventajas y desventajas de cada una. Se describen 10 tipos de licencias: Freeware, Libre o Free, Shareware, Adware, Open Source, Propietario, Dominio Público, Semilibre, Copyleft y Creative Commons. Cada licencia define diferentes niveles de libertad para el uso y modificación del software, y algunas permiten usos comerciales mientras que otras no.
Este documento trata sobre conceptos básicos de electricidad como carga eléctrica, corriente, voltaje y resistencia. Explica que la electricidad se debe al movimiento de electrones y la carga de las partículas subatómicas como protones y electrones. Además, define la ley de Ohm y diferencia entre circuitos eléctricos en serie y paralelo, e incluye ejercicios de aplicación sobre estos conceptos.
Hacia Una Cultura Solidaria Y No Violentanoviolencia
Este documento presenta una guía para la formación de individuos, organizaciones y redes solidarias utilizando la metodología de la no violencia activa. Propone la creación de Consejos por la No Violencia dentro de organizaciones educativas, de salud y ONGs, para implementar un plan de cambio en tres planos: individual, institucional y social. Incluye un programa de capacitación de seis sesiones semanales y seis trabajos prácticos, con el objetivo de desnaturalizar la violencia, conectar con aspiraciones profundas y constru
El documento presenta cuatro problemas relacionados con líneas de transmisión sin pérdidas. El primer problema pide calcular la potencia promedio en una carga dadas las características de una línea de transmisión y la carga. El segundo problema pide encontrar las expresiones para el equivalente de Thévenin de un circuito que incluye una línea de transmisión y una carga. El tercer problema pide graficar la magnitud y fase de la impedancia de entrada de una línea de longitud media onda terminada en cortocircuito. El cuarto problema p
Southern Fried Trolling: The Art Of Bless Your Heartakgraner
This presentation discusses the art of subtle online trolling using Southern-style phrases. It begins with definitions of trolling, baiting, and bullying online. It then provides examples of concealing insults with blessings like "Bless your heart" or suggestions to "RTFM" or "LMGTFY". The presentation notes that trolling can occur through copy-pasting, off-topic jokes, shock sites, and reigniting flame wars. It concludes that when all else fails, a direct "F you" may be the last resort.
El documento describe el contexto de formación de Yaneth Cecilia Laguado Angel en el Servicio Nacional de Aprendizaje (SENA) de Colombia. SENA es una entidad pública encargada de ofrecer formación profesional a los trabajadores colombianos para contribuir al desarrollo del país. El documento explica la misión, visión, escudo, bandera y otros aspectos clave de SENA, así como el rol del aprendiz y tutor y los programas de bienestar y plataformas tecnológicas utilizadas.
Historia del sena y la Institución educativa la GracielaChrisroman1997
El SENA fue creado en 1957 mediante decreto ley para brindar formación profesional a trabajadores, jóvenes y adultos. Tiene una estructura tripartita con participación de trabajadores, empleadores y gobierno. Su misión es ofrecer formación profesional integral para incorporar a las personas en actividades productivas que contribuyan al desarrollo del país. Su visión es ser una entidad líder en formación profesional e innovación al servicio de personas y empresas para 2020.
10 Trends Changing the Face of Financial ServicesBohemia Group
The presentation covers 10 trends that are changing the face of financial services, with the slides looking at evolving consumer behavior and the brands or start-ups that are looking to leverage those changes.
Why Gamification in Lending Tech Must ImproveFlyyx Tech
With various lending tech companies out there, battling in the game to win customers, their engagement, and loyalty, it's the need of the hour to switch to unique ideas.
But how does one get all their rolling in a jiffy? All those gamification use cases? This is where Flyy, a gamified SaaS tool, comes in.
We have helped companies like Kotak, CASHe, and more boost their customer acquisition, retention, and engagement.
Using our platform, you can launch gamified campaigns like refer and earn, daily check-in, leaderboard, spin the wheel, and more our plug-and-play SDK.
The document discusses the changing landscape of retail banking, as customer expectations and behaviors change with advancing technology. It notes that while branches remain important for some transactions, most customer interactions now occur through digital channels like internet and mobile banking. This poses challenges for traditional banks still relying on outdated systems. The document also discusses new competitors entering banking like payment platforms and peer-to-peer lenders. It argues that banks must improve their omnichannel offerings and use customer data to strengthen relationships in order to retain customers and remain relevant in this evolving environment.
This document discusses e-payment systems and methods. It begins by outlining the objectives of e-payments, risks involved, and digital signatures. It then provides an introduction to e-payment systems and how they have grown with internet banking and shopping. The main e-payment methods discussed include credit cards, debit cards, smart cards, e-money, and electronic funds transfer. Payment gateways are described as facilitating secure transactions between customers and merchants. Digital signatures are also summarized as providing security for e-payments through use of public and private keys.
Neobank is a virtual-only bank that operates exclusively online without physical branches. It provides digital banking services to customers through mobile applications. Neobanks offer approval processes that are quicker than traditional banks and have lower costs since they do not have physical infrastructure. In India, neobanks partner with traditional banks to offer licensed banking services, with neobanks handling front-end services and sourcing for traditional banks. Neobanks are able to offer lower costs to customers through savings accounts, payments, and higher deposit interest rates by reducing maintenance costs. They analyze customer data through AI to provide personalized recommendations and services. Neobanks earn revenue through interest on deposits, interchange fees from debit card transactions, and cross-selling based
How Much Does It Cost to Build a Mobile Banking App Like Wise.pdfayushiqss
Once, you had been sent abroad without money, looking desperately for the bank that accepted your card, which didn’t charge you a small fee, right? What if you’re self-employed and you deal with invoices in different currencies? One way or another, the conversation suddenly transforms into a lesson on foreign exchange rates and risk management. In the days when globalization set its footsteps, traditional banking would thus feel clumsy and odd. This is where Wise (formerly TransferWise) jumps the line and introduces the app, where mobile banking can be super easy and convenient.
One might be interested to know how many resources it actually takes to create a challenger app like Wise. Thus, the answer is quite dependent on the situation. Yet, before we do that, it would be good if we first glance at the mobile banking world.
According to a study by App Annie, mobile banking app usage has skyrocketed in recent years. In 2023, everyone unexpectedly invested over 600 billion hours worldwide, predominantly keeping an eye on their financial applications. This is an impressive figure, as you could say that now mobile banking services keep our money in their house.
How Open Banking is already changing lives - Credit Summit 2018OpenWrks
Presenting at the Credit Summit 2018, Olly Betts, CEO at OpenWrks, covers how Open Banking is already changing peoples everyday lives and why it's important for the credit industry to use Open Banking to benefit their customers.
Make Open Banking Work
https://www.openwrks.com/
YoBank - Gen Z banking strategy (WIP) - Zohdi RizviZohdi Rizvi
This document proposes a strategy for a mobile banking app called YoBank targeted at Gen Z users. It highlights gaps in existing retail banking experiences and youth expectations, which include a preference for convenience, instant access, and helpful, pleasant experiences. The proposed YoBank strategy focuses on instant signup, youth-friendly communication, contextual alerts and reminders, gamification of financial learning, and integration with other apps. Key features outlined for YoBank include basic accounts, payments, savings goals, alerts, games and a simple app map. The goal is to design a banking experience that solves youth problems and increases adoption among students and young professionals.
As bank branches close their physical doors, PayKey empowers financial institutions to provide a simple, intuitive & accessible banking experience - straight from the smartphone keyboard.
The banking and finance industry has been transformed since the inception of mobile banking and payments. From checking your bank balance on your mobile device to being able to host your entire POS on an iPad, mobile commerce is continually evolving. Here are a few of the most recent trends and the future of mobile and commerce.
This document discusses internet banking in Bangladesh. It defines internet banking as a system that allows customers to view accounts, pay bills, and transfer money via the internet. It notes that internet banking first began in the 1980s and was introduced in the US in 1994. Several major banks in Bangladesh now offer internet banking services, allowing customers to perform transactions remotely with convenience. However, internet banking also presents some risks regarding computer skills and security.
The ‘Omnichannel’ Nirvana and the future of bankingPhilip Brooks
The document discusses the changing landscape of retail banking as technology advances how customers interact with banks. It notes that while branches are still important for some transactions, most customer interactions now occur online or through mobile devices. The document analyzes customer data to identify different types of customers based on their channel usage, and finds that those who rely more on in-person or phone interactions are more emotionally connected to their bank and less likely to complain or switch. It concludes that banks must find ways to recreate strong emotional bonds with customers who primarily use online and mobile banking to improve customer retention and reduce complaints.
Wonga, a UK company, has launched a microloan program offering instant loans between £50-200 repayable within 30 days. The program is unique in that it provides an instant snapshot of loan terms and repayment amounts including interest. It also rewards good customers with points for more favorable terms on future loans. Wonga takes the concept of microloans out of developing countries and puts it into a local banking relationship in developed nations like the UK.
More and more customers are seeing mobile as their banking channel of choice, proven by a growing body of papers. To cite some, Cimigo revealed that for every 10 respondents who are Vietnamese consumers, 3 are using some forms of e-payments including mobile banking application and e-Wallet. Or Backbase predicted that mobile transactions in Vietnam will increase by 300% between 2021 and 2025, driven by mobile payments. As banks build more creative features and integrate with third-party financial products, mobile banking application is no longer a tool for remote money transaction; it has become a financial lifestyle platform that offers a single hub for all banking services. In this article, we get to explore various innovative features that a bank might consider for its mobile banking application, with the goal to keep up with the Digital Banking upsurge.
Insights Success has come up with a distinctive issue “The 10 Most Influential Voices in Banking” which recognizes the incalculable contribution of banking enthusiasts who has revolutionized banking processes with their inventive excellence.
2nd Place Finalist Consulting Case Competition for ANZ x TBWA x UniMelb Kate Gilchrist
Presentation by Finalists of SAMM's (Student Association of Management and Marketing) Consulting Case Competition with ANZ Banking Corporation and TBWA. Our proposal includes 4 key disruption inspired ideas for ANZ's strategic direction.
Semester 2 (August) 2017 at The University of Melbourne.
20110228 the e bank value proposition_vargasTony Vargas
The document outlines a strategy for building an effective online banking ("eBanking") value proposition for community banks. It proposes following 7 commandments: 1) listen to and respond to customers, 2) provide personal touch, 3) seamless assistance, 4) let customers customize tools, 5) provide tools to manage money, 6) integrate social networking, and 7) encourage viral marketing. Tactics would include website design, marketing analytics, and social media integration to help banks maximize their online presence and better serve customers.
Engagement Banking: Building Relationships Through Online and MobileMichael McEvoy
This document discusses customer expectations for digital banking and how banks can build customer relationships through online and mobile channels. It finds that online and mobile banking are increasingly core to customer relationships. Many customers would switch banks based on the quality of digital offerings. The document also examines how to optimize the customer experience across different devices by tailoring features and design to each platform. It emphasizes aligning digital channels with how customers use their devices to build loyalty and engagement.
A No-Confusion Guide to Build a Secure Mobile Wallet App in 2019Innofied Solution
Mobile wallet apps have grown rapidly as more people have smartphones than bank accounts. This document provides tips for developing a secure mobile wallet app, including studying the market, choosing the right features, ensuring usability and security. Key technologies discussed are NFC, Bluetooth, QR codes, encryption and passwords. The summary emphasizes doing user research, focusing on security, and optimizing the app to be lightweight and easy to use.
Financial services is one of the top disrupted industries today and this presentation will look at tips and tricks on how the banking industry can counter digital disruption. The goal of this presentation is to offer innovative ways for banks to transform their marketing strategy. It refers to case study examples of financial companies that are leading the way today with their revolutionary marketing strategies. The presentation also provides workable tasks that you can start using today.
If you haven’t gone responsive yet then you need to. Responsive website
design has been the buzz word among web designers for a few years now, but
with the rising use of mobile technology by consumers, it is becoming the
buzz word with business owners too.
Responsive web design dynamically reacts to the size, orientation, platform
and device chosen by the user. Each element of the page, from the pictures to
the font, reconfigures to the optimum size for the screen.
At the moment, most websites are focusing on laptop, tablet and mobile
design sizes, with some even calculating in larger desktop computers.
Responsive design isn’t an easy subject to grasp and many people ask us all
the time: What is responsive web design, what is it good for and do we need
it? This whitepaper will cover the benefits of a responsive website and the
basics of a responsive web design, without going too technical.
Mobile traffic is skyrocketing and companies need to create strategies to capture mobile traffic across the web and app stores. This presentation shows the different approaches for defining a mobile strategy.
Social Media (in theory) is a technology for sharing information and enabling conversations between people in an easy and social manner – definitely seems like a good place for you to be for various reasons:
Web usability is about making a website easy to use and this presentation is from our workshop on the topic based on Steve Krug's book don't make me think.
Yalla Apps enables developers in the Middle East and Africa regions to publish their Windows Phone apps globally by submitting apps to the Marketplace on their behalf. It has over 6,500 approved developers who have published over 21,000 apps total, with 3,000 new apps added in the last two weeks alone. Developers pay $99 for an annual subscription, which includes the ability to submit one paid and unlimited free apps, along with the first device unlock being free.
Web fonts offer great flexibility for brands and designers to use a wider range of fonts online.
Using a custom font on the web was only achievable through various techniques, all with certain limitations. Most designers opted to stick with Web Safe Fonts – which are fonts that are already installed by default across different operating systems.
The Social Media Workshop is designed to define / give you a clearer idea of what social media is and what it can do for your business, whether positively or negatively.
The workshop is broken down into various chapters which will discuss in detail important topics such as essential definitions, online tools, strategy creation, and the ways to manage damage control effectively.
Each section will be discussed separately and examples will be given to support each topic.
The Universal Account Number (UAN) by EPFO centralizes multiple PF accounts, simplifying management for Indian employees. It streamlines PF transfers, withdrawals, and KYC updates, providing transparency and reducing employer dependency. Despite challenges like digital literacy and internet access, UAN is vital for financial empowerment and efficient provident fund management in today's digital age.
How Does CRISIL Evaluate Lenders in India for Credit RatingsShaheen Kumar
CRISIL evaluates lenders in India by analyzing financial performance, loan portfolio quality, risk management practices, capital adequacy, market position, and adherence to regulatory requirements. This comprehensive assessment ensures a thorough evaluation of creditworthiness and financial strength. Each criterion is meticulously examined to provide credible and reliable ratings.
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.
South Dakota State University degree offer diploma Transcriptynfqplhm
办理美国SDSU毕业证书制作南达科他州立大学假文凭定制Q微168899991做SDSU留信网教留服认证海牙认证改SDSU成绩单GPA做SDSU假学位证假文凭高仿毕业证GRE代考如何申请南达科他州立大学South Dakota State University degree offer diploma Transcript
Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
"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.
Fabular Frames and the Four Ratio ProblemMajid Iqbal
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
2. John is walking down the highstreet
on a sunny day and sees this amazing
camera in a shop window that he
wanted to buy for many weeks.
3. HI THERE!
How are you doing?
want to buy
this great camera?
STOREHe also knows that his bank is offering a new
service that will allow him to buy the camera
instantly through an instant loan facility.
4. STOREAll John has to do is to login to the app using his
account to initiate the transaction.
5. The transaction is seamless because he can use his
near field communication (NFC) enabled device,
which allows the app to transfer the funds directly
into the merchant's account.
6. Even though John didn’t buy the camera, it is
important for John to use a bank that adds value to
his day-to-day banking needs. His bank should help
him reach his payment goals and make his life easier.
WELCOME!please login via facebook
Your name
E-mail
login
7. please enter your savings goal
600
0 ,
1 2 3
4 5 6
7 8
$
9
submit
His bank is proactively asks him how much he
wants to save, and then helps reach his saving
goals by automatically putting aside savings
based on his spending habit.
Reliability and relevance are
even more important. His
bank doesn’t interrupt his day
with notifications he doesn’t
need, but instead provides
features like fast mobile
banking that is there for him
when he needs it, and it
integrate into other services
seamlessly.
8.
9. we have
GREAT OFFERS
for you!
close view
John’s bank also provides location-relevant
information. For example, the bank app shows him
nearby and personalized offers based on the location
he is in and on his previous purchases. These offers
are not only from the bank, but from merchants and
deal providers that are linked to the bank.
10. John’s bank already has a loyalty program with a
large list of merchants and great offers available.
Great! But offers need to be relevant to John. John
allows his bank to use his past transaction history
so they send him tailored offers every month.
WELCOME!check out these great offers!
199$
59$
999$
11. The key is data. His bank already has a lot of data
about him which they use to analyse his spending
patterns, account balance, transaction locations,
etc. That’s why John’s bank knows that he
frequently travels to Europe and offers him
anything that is applicable to his jet setting
lifestyle, such as flights or insurance packages to
European destinations. Not only that, they offer
him installment plans for the flights if he uses his
credit card too!
your bank
credit card loyalty program
50%
discount
12. John’s bank is involved at every touchpoint of the
Doe’s lives, because he always uses the bank to
make a card payment or withdraw cash. Banking
innovation makes this process even easier.
iBeacon technology allows John to eat at a
restaurant without even having to pull out his
wallet and pay.
John, like other customers, usually prefer plastic
over cash. Because of this, John has grown
accustomed to services like Uber over regular
public transportation because he doesn't have to
worry about carrying enough petty cash on his
person to get him through the day. Instead the
payment is handled automatically in the
background for him.
15. your bank
credit card loyalty program | OFFERS
199$ GO 99$ GO
210$ GO499$ GO
John’s bank is present in both the physical world
and online. His bank integrates directly with other
platforms. Loyalty programs are enabled with
ecommerce functionality in order to redeem or
buy products, and the merchants are able to
receive data from the bank in order to personalize
the offers and make them more relevant.
17. shop onlineGREAT OFFERS EVERY DAY
199$ FINANCE NOW
This has opened new opportunities for his bank to
re-introduce their existing services such as short
term loans. Together with personal finance
management tools his bank advises him on a
product purchase and even checks if he can afford
it, or see what alternatives are available in the
market. Banks that truly want to help customers
manage their finances should do so
across all channels.
19. please enter your savings goal
your savings so far
june: 300$
may: 100$
july: 150$
550$
600 $
buy instantly using
mobile credit
20. get awesome
rewards!
YOUR SCORE SO FAR
share
27500PT
Earn 10.000 PT by
referring us to your friends.
There is another opportunity for banks to gamify the
overall banking experience. Users do not only want
better user interfaces and have a better user
experience, but be rewarded for their achievements.
21. mobile payments
200$
200$
sendSending payments via Twitter, SMS, Facebook or
WhatsApp are natural for John and Jane. His bank
is planning to invest more in creating their own
solutions in order to keep the connection with the
customer going.
22. 150$
When John’s wife, Jane, needs some extra cash
she can simple call John and he sends her money
via a simple text message. Mobility is extremely
important for the young couple, but so is the
ability to transact freely. This is a challenge that
many banks face, where transfers are rather
complex to execute, especially between
different banks.
24. 50$
iBeaconpayment
Sending cash and allowing customers to withdraw
at ATMs is already very popular in many developed
countries, however, a majority of underbanked
customers still remain who do not have access to
credit cards, smartphone,or online banking. There
is an opportunity to cater to these customers who
would benefit from SMS-based cash.
26. Her mobile application processes the transaction in
the background when leaving the store, and her
payment automatically gets debited from her
account, and so there’s no need to stand in line!
27. 1x Milk 1,5$
1x Orange Juice 2,0$
1x Apple Juice 2,0$
1x Bread 1,2$
2x Cucumber 1,0$
4x Soda 3,0$
2x Pasta 4,0$
TOTAL 14,7$
Her mobile application processes the transaction in
the background when leaving the store, and her
payment automatically gets debited from her
account, and so there’s no need to stand in line!
29. Social banking is another channel that banks can
explore to truly become customer-centric.
As customers spend more time either passively or
actively engaging on social networks, banking
presence online is an advantage. Sending money
through social networks is similar to sending it
through messages or email . This way Jane can send
some quick cash to her sister who is
backpacking through India.
30. Social payments are addressing needs such as
convenience, ease of use, and integration of
banking services into digital platforms. And it
makes total sense as users actively spend one hour
or more per day on social networks.
150$ 150$
send
31. you have exceeded
your monthly
electricity limit!
With the rise of the internet of things, banks can
further integrate into customers lives. By collecting
data and profiling users, banks can add value
through their own or third party services. The bank
already has information about John’s electricity
consumption based on his bills, but by integrating
this data into solutions like Google Nest, the service
could now highlight any usage and cost
deficiencies and can earn John and Jane a surprise
discount by the end of the month.
This would require information to be
more easily accessible from banks, which
can be a privacy concern. However, this
can also be an opportunity because
customers trust their bank with their data
more than other tech companies.
Therefore it is necessary for a bank to be a
gatekeeper of their customers’ data.
close view
!!!
32.
33.
34. Hello!
you’ve run out
of juice. should
i order more?
close view
John’s smart kitchen devices detect when
his family needs to make a trip down to
the grocery, and his bank helps in the
background to make the transactions as
easy as possible and helps with his
personal finance management by
categorizing all expenses.
36. Jane’s car needed an upgrade, and safety
was paramount for the Does.
37. your bank
car loans
BANK
Luckily Jane’s bank offers her a virtual
banking service. Jane browses through
car loan options and receives helpful
advice on which cars fit within her
budget. All done remotely.
38. To seal the deal, Jane’s banking
relationship manager made it all the way
to their home too!
39. CAR DEALERWith the loan approved, the Does could
pick up their new car without hassle.
40. Bank mobile branch
With the car picked up from the dealer-
ship and while driving back home, Jane
and John remembered their bank set up a
new digital branch in their favourite mall.
42. APPLY FOR
OUR PREMIUM
CREDIT CARD
I need teller service
I want to speak to bank
manager
I need to deposit
a cheque
WELCOME
TO OUR BRANCH
NEED A LOAN?How can we help you?
John and Jane can use their mobile
banking app to request teller services and
access self service desks.
43. APPLY FOR
OUR PREMIUM
CREDIT CARD
NEED A LOAN?
While Jane and John love the tools their bank provides,
they still appreciate the personal interaction they can
get once in a while whenever they need. Their bank has
managed to create a perfect harmony of digital
omnichannel banking while keeping the experience as
personal as possible.
44.
45. Download our
latest whitepaper:
THE OMNICHANNEL
BANKING EXPERIENCE
WHAT YOU NEED TO GO TO OMNICHANNEL,
HOW TO PLAN FOR SUCCESS.
THE OMNICHANNEL
BANKING EXPERIENCE
WHAT YOU NEED TO GO TO OMNICHANNEL,
HOW TO PLAN FOR SUCCESS.
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