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BANKING

Trust, Reliability and Loyalty

     User Experience 
     and Expectations
Customer
acquisi.on
and
reten.on
is
no
longer
just

about
products
banks
offer…
but
how
banks
offer

them,
enhancing
access
and
the
user
experience

Understand
the
digital
age

    
of
your
customer





2009:

‐ 100+
million
viewers

‐ 20
hours
of
video
is
uploaded
every
minute





2009:

‐ 18.9
million
unique
visitors/month



                         2009:

                         ‐ 
200
billion
page
views
per
month;


                         ‐ 
350
million
members

                         ‐ 
1.4
million
images
uploaded
every
second

                         ‐ 
1.6
billion
chat
messages
sent
daily

My
bank
must
be:

                                                              Accessible
and

                                                                Connected



Most
ATM
providers
have
tradiLonally
relied
on

wireline
connecLons
to
process
transacLons.


As
with
anything,
wireline
connecLons
have

                                                      Special
Events

limitaLons.
They
limit
placement
and
relocaLon
       Remote
LocaLons

opLons,
create
security
concerns,
and
are
a
target
   Emergency
Management
Back‐up

for
vandalism.



Public
wireless
networking
technologies
enable

banks
and
independent
ATM
providers
an
easy,

fast,
and
cost‐efficient
mobile
banking
opLon.


Whether
it
be
primary
or
backup
connecLvity
for
a

shopping
center,
or
enabling
a
mobile
ATM
for

outdoor
events,
mobile
banking
soluLons
provide

the
reliable,
manageable
network
connecLon

needed.


There are More Mobile Devices than PCs




For
every
personal
computer
that’s
bought,

more
than
four
mobile
phones
are

purchased.

There’s
a
world
of
people

whose
main
access
point
to
the
Internet
is

via
a
mobile
device.

Mobile
Banking
is
relevant
&
growing


•  4.6
million
mobile
banking

   households
in
2008

•  10
million
predicted
for

   2009

•  40
million
in
North
America

   by
2012





Mobile
banking
is
a
“sLcky”
service:

•  Offering
great
service
&
the
inconvenience
of
moving
business
elsewhere

•  Follows
pa`erns
of:

    –  Direct
Deposit,
Online
Bill
pay
and
Reward
programs

This
is
how
your
next
customer
does
business

Younger
households
own
neither
landlines,
watches
nor

paLence
to
“wait
‘Ll
later
for
access”


Lack
of
mobile
service
is
a
clear
and
negaLve
differenLator


Banks
must
meet
expectaLons
or
lose
the
entry
point
for
a

lifeLme
relaLonship



Basic
Features
of
Mobile
Banking

 InformaLon
Services

 
Use
ATM
&
Branch
Finder

 
Quick
Click
to
call
for
customer
service

 Account
Access

 
Check
balances
&
transacLons

 
Pay
Bills

 
Transfer
Funds

Provide
Value:

                                                   Transac.ons

                                              Loca.on‐based
Services

                                                   User
Friendly



Different
needs,
different
devices,
different
funcLon,
different
content
presentaLon.

Mobile
Banking
–
make
it
a
great
experience

Heidi
Culbertson

Mobile
Business
Strategist

Twi`er:
@hculbertson


                         

Just
some
food
for
thought

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