Digital Banking Is Here. How Ready Is Your Bank?

1. Digital Banking
It’s here, how ready is your bank?
prepared
by
Hip
Brand
Group

2. Almost everyone is doing it.
But few banks do it right.
2009 12 million mobile banking users
2014 45 million mobile banking users
2017 1 billion mobile phone users will have
used their device for banking purposes

3. Mobile: The new dominant platform
Mobile will soon be your bank’s central hub of service
delivery and customer engagement.
Bank mobile apps to date have been little more than
fragmented offerings with little customer value.
When launching mobile, be a leader instead of a follower.
The apps with the best designs and user interfaces will
attract the most customers.

4. Sample Mobile
App With
Customized
Branding

5. More features. More
customers.
When launching mobile
apps, it is important to
incorporate robust
functionality such as
mobile deposit or bill pay
because your competitors
are offering these services
and customers expect
them. Customized app
design can set your app
apart as many banks are
using similar app
templates.

6. Mobile: The new dominant platform
YOUR OPPORTUNITY: To move mobile banking beyond
transactions and into enhanced engagement through personalization
and customer context (what they need and where they want it).
YOUR BOTTOM LINE: The mobile banking app is the new branch
and your brand is the new ambassador for your customers’
experience.

7. Responsive Web: One site design, infinite possibilities

8. Responsive Web: One site design, infinite possibilities
91% of all U.S. citizens have their mobile device within
reach 24/7.
81% browse the internet using a mobile device.

9. Responsive Web: One site design, infinite possibilities
People are more mobile than ever and need information to
be accessible at any time, from any place, on any device.
A responsive web site automatically adapts to all webenabled devices creating a custom user experience for
hundreds of millions of mobile customers.

10. Responsive Web: One site design, infinite possibilities
YOUR OPPORTUNITY: Your customers can connect with you
seamlessly as they move from one device to another anywhere, any
time.
YOUR BOTTOM LINE: By 2015, Mobile Internet Usage will surpass
Desktop Internet Usage and continue to grow. Customers are already
rejecting stripped-down versions of full web sites. Now is definitely the
time for a well-planned responsive design strategy.

11. Search Engine Marketing (SEM):
Get found online. Be first in line.
Google logs 6 billion searches a day.
93% of online experiences begin with a search engine.
75% of users never scroll past the first page of search
results.
Utilize the combined power of SEO (search engine
optimization) and PPC (pay per click).

12. Search Engine Marketing (SEM):
Get found online. Be first in line.
57% of all banks and 55% of the top 20 credit unions in the
U.S. utilize Google AdWords campaigns.
The top three most searched keywords offer financial
institutions an opportunity to find customers online.
Insurance
Loans
Mortgage
25 percent of keywords
15 percent of keywords
10 percent of keywords

13. Search Engine Marketing (SEM):
Get found online. Be first in line.
According to The Financial Brand, October 2013, “Google’s
Hummingbird Update could torpedo search rankings for
both banks and credit unions.”
The dependence on “keywords” has been reduced and
compelling content is now king. So if you were high in the
rankings before, you might not be now.
A new SEO web content strategy is a must.

14. There are 304,667 daily searches for
the keyword mortgage.
Using a combination
of AdWords (text
and display ads) and
an online banner
advertising schedule
can boost results.

15. Pay Per Click Animated
Display Ad Sample

16. Sample Campaign
Landing Page

17. The Dream Mortgage landing page became one of the
most trafficked pages on the bibank.com site *
Google Analytics Report for Bibank.com
September 2013 monthly analytics report
Most Popular Pages
Online Banking
Personal Checking
Dream Mortgage landing page
Business Banking
* after one month

18. Sample Campaign Overall Campaign Statistics:
Dream Mortgage SEM (Bank Independent)
Over 75% were new visitors to the
site which means they are potential
new mortgage customers and
potential new banking customers.

19. Effective
campaign and
web landing
pages are crucial
to success.

20. Search Engine Marketing (SEM):
Get found online. Be first in line.
YOUR OPPORTUNITY: Stand out in search results with a welloptimized web site (SEO) and a finely-tuned search marketing (SEM)
campaign. Gain significant traction in mobile ad targeting on Facebook
and Google and you can be ready to ride the new wave.
YOUR BOTTOM LINE: A “set-it-and-forget-it” strategy will no longer
pay off. Make sure you have someone with the right experience to
tightly manage and message your SEO and SEM campaigns.

21. Social Media Marketing
A Perfect Service Channel
By 2025, it is estimated that social networks will become
the major distribution channel for retail banking products.
Customers want convenience, and that requires quick,
simple, and reliable service that is available everywhere at
anytime. Retail banking should become a seamless
convenience for the customer - wherever the customer is,
especially within social networks.

24. Social Media Marketing
A Perfect Service Channel
YOUR OPPORTUNITY: Social media, once considered a nontraditional method of customer interaction is clearly becoming
increasingly important for banks to understand. It’s no longer just a
vehicle for customers to vent about poor experiences or praise their
bank for exceeding expectations…it has now become a legitimate
service channel.
YOUR BOTTOM LINE: Customers want banks to be more
transparent. Online social networks are an investment into the
bank’s reputation and will become an effective tool in building trust.

25. Technology-dominated products:
Don’t leave your brand behind
Among 25 to 34 year olds, half now use mobile banking.
40% of customers (of all ages) now factor mobile solutions
into why they choose their primary financial institution.

26. Technology-dominated products:
Don’t leave your brand behind
As banking goes through fundamental change, banks
must invest in new product and app development. “Go
mobile or die,” has become a slogan for many CMOs as
they quickly must realize that mobile banking products will
continue to be the fastest growing and most transformative
trend in the industry.

27. Technology-dominated products:
Don’t leave your brand behind
YOUR OPPORTUNITY: As banks reinvent themselves with a stronger
focus on technology-dominated products, it is time to focus on how to
differentiate your bank’s products from another in order to gain long
term customer loyalty.
YOUR BOTTOM LINE: Don’t just launch digital. Launch a digital
lifestyle experience as a leader with highly branded, customized and
sophisticated products and services that meet the needs of your
customers’ digital lives and gain you customers for life.

31. Digital Banking
It’s Here. Let Us Help You Develop The Right Strategy.
With the continued advancement of technology shifting the way
customers interact with financial institutions, it is vital for banks
to proactively respond to the changing demands of their selfservice channels and understand the importance of being
responsive across those channels. We can help you develop a
vision and a strategy and a turn key execution plan.

32. HipBrand can help you create a seamless, branded
presence across all mediums
• Branding and positioning
• Mobile app development
• SEO (optimization) and SEM (search engine marketing)
• Product branding and employee training
• Digital advertising campaigns and in branch print materials
• Social media set-up, campaign creation and ongoing management
• Public relations and content management

33.
Let us put our experience to work for you.