American Banker Conference Presentation June 2012: Harnessing mobile banking
 

American Banker Conference Presentation June 2012: Harnessing mobile banking

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Presented at the 6th annual mobile banking and commerce summit.

Presented at the 6th annual mobile banking and commerce summit.

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American Banker Conference Presentation June 2012: Harnessing mobile banking American Banker Conference Presentation June 2012: Harnessing mobile banking Presentation Transcript

  • Charles Herel Director, Financial Services Product Marketing charles.herel@kony.com +1.978.443.5826Harnessing the Power of MobileFinancial Applications
  • Kony provides Mobile Platform & Apps for:AUTOMOTIVE/ENERG BANKING INSURANCE/BROKERAGE HEALTHCARE/PHARMA TRAVEL/HOSPITALIT Y Y Copyright © 2012 Kony Solutions, Inc. 2 2
  • Agenda  Mobile Market Growth  Table Stakes for Mobile Banking  Leveraging the Device  Feature Rich Content  Stunning UX  Multi-Channel  Power of Mobility  Go to Market Approaches  Q&A / DiscussionCopyright © 2012 Kony Solutions, Inc. 3 3 View slide
  • Personalization of Mobile Devices Mobile - the Channel of Choice The Smart Phone has become an extension of the IndividualCopyright © 2012 Kony Solutions, Inc. 4 4 View slide
  • Mobile Banking is Table Stakes • Growth is running at 20% per quarter now • Conservatively assumes grow slows by 1% each quarterCopyright © 2012 Kony Solutions, Inc. 5 5
  • SmartPhone UsageCopyright © 2012 Kony Solutions, Inc. 6 6
  • 2012 Mobile Usage – Apps overtake web Yet User still dictates the experience Mobile Web Native Apps 49% 51% 7 7Copyright © 2012 Kony Solutions, Inc. Source: KONY Hosting 7
  • 2011 Smartphone OS Share iOS RIM 23% 19% Android Windows Other 6% 13% 39% 8Copyright © 2012 Kony Solutions, Inc. Source: Gartner 8
  • 2012 Smartphone OS Share iOS RIM 9% 19% Android 11% Windows Other 12% 49%Copyright © 2012 Kony Solutions, Inc. 9 9 Source: Gartner
  • 2012-2016 Worldwide Market Share F/CCopyright © 2012 Kony Solutions, Inc. 10 10 Source: IDC, June 2012
  • Tablet Share iOS Blackberry 4% Android Other 33% 60% 3%Copyright © 2012 Kony Solutions, Inc. Source: comScore 11 11
  • About Tablets…. Financial Services Uses How tablets are used  PFM  Consuming content  Brokerage  Limited typing  Wealth  More interactive, gestures  Customer facing  Longer sessions employees  Higher net worth, so far  branch  Charts, Graphs, Tables  private bankers  Video  brokers/sales  execsCopyright © 2012 Kony Solutions, Inc. 12 12 12
  • Mobile Chaos 2005 to 2011 2005 2006 2007 2008 2009 2010 2011 Android WebKit w/ Traditional Web WAP 1.2 WAP 2.0 iPhone WebKit WebKit Javascript Mobile HTML5 Mobile & HTML 4 Flash, Ajax, CSS Dojo, HTML 3.2 Windows CE CSS 3.0 HTML 5 HTML 3 jQuery, MochiKit, Prototype, YUI 1.0 2.0 2.2 2.3 3.0 1.0 2.0 2.2 3.0 4.0 5.0Mobile Operating Systems 4.0 4.1 4.2 4.3 4.5 4.7 5.0 6.0 7.0 Foundation Foundation One Two MeeGo 9.1 9.2 9.3 9.4 9.5 5.0 6.0 6.1 6.5 7.0 8.0 BlackBerry PlayBook Windows CE Samsung Gloria Tablets Windows XP Apple Dell Samsung Motorola Stingray Embedded iPad Creative Ziio Streak Galaxy Tab Lenovo LePad Copyright © 2012 Kony Solutions, Inc. Source: Gartner 13 13
  • Native Device Variations iPhone Calendar Android Calendar Blackberry Windows Mobile Widget Widget Calendar Widget Calendar Widget iPad Calendar Widget Tab UI paradigm variations  Text fields (RIM, Java ME) Interface: Touch v. Trackball v.  Push notification feature phone 5-way button  Device orientation Calendar/Date controls  Multitasking support Localization support  Development Language Text fields (RIM, Java ME)  Device variations (Hardware, OS, Carrier)Copyright © 2011 Kony Solutions, Inc. 14
  • How successful will my mobile app be? Audience Size Device Coverage Promotion Stunning Visual UX Useful Functionality TrustCopyright © 2012 Kony Solutions, Inc. 15 15
  • Building TrustFI Mobile Security Best Practices Customer Education Customer Notifications/Alerts Layered Security  Data encryption  Privacy protection  Mask account numbers  Multi-factor authentication  Automatic session expiration  One-time Passwords  Off-line access “Right” strategy is driven by the use caseCopyright © 2011 Kony Solutions, Inc.
  • The Banking Security Shift User & Transaction authenticationUser authentication Copyright © 2011 Kony Solutions, Inc. 17
  • On-Boarding/Security/Push Notification • Challenge Prompts to mitigate risk; Offline customers; • Start the on-boarding process for new customers • Use of Push to Notify Customers of Access from New DeviceCopyright © 2012 Kony Solutions, Inc. 18 18 18
  • Enrollment Options In-band Enrollment: Scenario: user is allowed to login with complete UserId and password, but once in has the option of activating the app for use with a Quick Account Access PIN. Out-of-band Enrollment: User must be enrolled through a secondary means outside of the mobile. For example the user logs into PC Banking and request enrollment. Enrollment Security: Enrollment might include the generation of an activation authorization code to be delivered to the end user OOB (Postal, email, SMS, Phone call).Copyright © 2012 Kony Solutions, Inc. 19 19 19 19
  • Enrollment ExampleCopyright © 2012 Kony Solutions, Inc. 20 20 20 20
  • OTP Integration for High Value TransactionsCopyright © 2011 Kony Solutions, Inc. 21
  • Building Trust Account Access Notification – via Push / SMS “mph laptop” logged into your Facebook account (Today @ at 7:54).Copyright © 2012 Kony Solutions, Inc. 22 22
  • For Your CustomersCopyright © 2012 Kony Solutions, Inc. 23 23 23
  • Retail Banking Minimum Functionality  Balances & Histories (All)  Rates / FAQs / T&C’s  Check Images  Check Re-Order  Transfers  Add a Bill  Bill Pay  Check Deposits  Branch / ATM Locators  Multi-Lingual / Multi-currencyCopyright © 2012 Kony Solutions, Inc. 24 24
  • Remote Check Deposit Think about the Process 1Copyright © 2012 Kony Solutions, Inc. 25 25 25
  • Remote Check Deposit Think about the Process 2Copyright © 2012 Kony Solutions, Inc. 26 26 26
  • Remote Check Deposit Think about the Process 3Copyright © 2012 Kony Solutions, Inc. 27 27 27
  • Remote Check Deposit Think about the Process 4Copyright © 2012 Kony Solutions, Inc. 28 28 28
  • Other Uses of the Camera Add a Payee Login and Main Menu Select: Use Photograph Bill Photo Bill Pay New Payee FoundAuthenticate Select Pay Bill Add the Payee OR Bill is Paid Expedite the Schedule the Add New Payee Payment Payment Copyright © 2012 Kony Solutions, Inc. 29 29 29
  • Other Uses of the Camera Bill Payment Login and Main Menu Select: Use Photograph Bill Existing Payee FoundAuthenticate Select Pay Bill Photo Bill Pay OR Bill is Paid Expedite the Payment Schedule Payment Copyright © 2012 Kony Solutions, Inc. 30 30 30
  • Camera / Customer Support Another Process Example – Under DuressCopyright © 2012 Kony Solutions, Inc. 31 31 31
  • Customer ServiceCopyright © 2012 Kony Solutions, Inc. 32 32 32
  • ATM/Branch/Location-based ServicesCopyright © 2012 Kony Solutions, Inc. 33 33 33
  • ATM/Branch/Location-based ServicesCopyright © 2012 Kony Solutions, Inc. 34 34 34
  • Multi-Lingual ServicesCopyright © 2012 Kony Solutions, Inc. 35 35 35
  • Customer EducationCopyright © 2012 Kony Solutions, Inc. 36 36 36
  • More Channels = More Customers Reach all your Customers iPhone Native iPhone Mobile Web iPhone Hybrid App iPhone Wrapper App Blackberry Native on HTML5 (SPA) Android Native Android Mobile Web Android Android iPad Native on HTML5 (SPA) Hybrid App Wrapper AppCopyright © 2012 Kony Solutions, Inc. 37 37 37
  • Multi-ChannelMobile Web, iPhone, Android – all Pixel PerfectCopyright © 2012 Kony Solutions, Inc. 38 38
  • P2P Payments – Integration w/ContactsCopyright © 2012 Kony Solutions, Inc. 39 39
  • P2P – International ExampleCopyright © 2012 Kony Solutions, Inc. 40 40 40
  • Mobile Data Visualization & AnalyticsHighly Engaging 2D & 3D Charts on iPhone, iPad, Android, A ndroid Tablet:• Line, area, histogram, s tacked bar chart• Circular histogram, column chart, static bar chart• Interactive charts• Animations Copyright © 2012 Kony Solutions, Inc. 41 41 41
  • Dashboards / BudgetingCopyright © 2012 Kony Solutions, Inc. 42 42 42
  • Retail Brokerage Accounts, Research, TradingCopyright © 2012 Kony Solutions, Inc. 43 43 43
  • Deepening the Customer Relationship Cross-selling New Products Adoption driven by:  Revenue needs  High consumer trust  Branchless strategy  CEO focus on deepening customer relationships ~12 month sales cycleCopyright © 2012 Kony Solutions, Inc. SourceForrester, 2011: Solving the Cross-Sell Imperative, Brad Strothkamp 44 44
  • What’s Next? Creating Mobile ConversationsCopyright © 2012 Kony Solutions, Inc. 45 45
  • What’s next? - Streamlined Application ProcessCopyright © 2012 Kony Solutions, Inc. 46 46
  • Commercial Banking Cash ManagementCopyright © 2012 Kony Solutions, Inc. 47 47
  • Commercial Banking Payments & ApprovalsCopyright © 2012 Kony Solutions, Inc. 48 48
  • Financial Advisors BYOD, Offline Sync, App DistributionCopyright © 2012 Kony Solutions, Inc. 49 49 49
  • Enterprise App Store End User Experience A native application to manage app consumption, available on all platforms Select and Launch install app the app Browse apps from Store Once the app is installed, container and install an app simply click to launchCopyright © 2012 Kony Solutions, Inc. 50 50
  • From Platform-centric to Multi-channel Most Common Best Practice BlackBerry OSApplication Application Application Application X X X X Browser AndroidWindows Android iOS Etc. Application X One perWindows Andriod iOS device OS X iOS Windows Copyright © 2011 Kony Solutions, Inc. Source: Gartner 51
  • Mobile App Considerations HTML5, Hybrid and Native - Support all your customers Select a unified mobile app platform for the design, development & deployment of HTML5 & native apps and support what device your customers or employees use Feature-Rich Apps with Stunning UX Reduce your time to market and focus on reducing development cycles with apps are feature- complete, configurable & extensible Configurable, Extensible Apps with Universal Integration Apps built on the a Platform take advantage of open standards, open architecture and unlimited scope for expansion as your business expands Comprehensive SLA Apps are protected from mobile chaos with the industry’s most aggressive SLA covering you for device & OS updates with rapid support Services & Partners to Ensure Your Success From managed services/hosting to professional development, support and knowledge transfer, look for partners that can lock in successful mobile app development, deployment and management to ensure your mobile architecture is flexible, scalable and responsive to your businessCopyright © 2012 Kony Solutions, Inc. 52 52 52
  • Thank You! Charles Herel Director, Financial Services Product Marketing charles.herel@kony.com +1.978.443.5826 www.kony.comCopyright © 2011 Kony Solutions, Inc. CONFIDENTIAL 53