Web 2.0 What is it and what does it mean for Retail banks?

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Web 2.0 What is it and what does it mean for Retail banks? - Presentation Transcript

  1. Web 2.0 What is it and what does it mean for Retail banks Marc McNeill
  2. What is it?
  3.  
  4.  
  5. Lets start with technology
  6. ::Web as platform Web as platform
  7. ::Web as platform Changing the Web's job
  8. ::Web as platform ..from one-way static documents
  9. ::Web as platform ..to two-way dynamic data
  10. ::Web as platform the website becomes an application
  11. ::Web as platform
  12. ::Web as platform
  13. ::Web as platform
  14. ::Web as platform The underlying programming language becomes irrelevant
  15. ::Web as platform ..it's more about scalability and interoperability
  16. ::Web as platform And usage independence
  17. ::Usage independence Sharing your services
  18. ::Usage independence Allowing mashups
  19. ::Usage independence For unseen benefits
  20. ::Usage independence
  21. ::Usage independence
  22. ::Usage independence Sharing your credentials
  23. ::Usage independence
  24. ::Usage independence Sharing your services
  25. ::Usage independence Amazon are a book seller software company
  26. ::Usage independence E-Commerce Payments Storage Grid computing Messaging Data (Alexa)
  27. ::Speed to market Speed to market
  28. ::Web as platform The underlying programming language becomes irrelevant
  29. ::Speed to market Light weight programming languages
  30. ::Speed to market Confidence to take unproven ideas to market before they mature
  31. ::Speed to market Perpetual beta
  32. ::Speed to market Testing the proposition in the flesh
  33.  
  34. New technology enables new strategies
  35. ::Lightweight business models Innovation at speed
  36. ::Lightweight business models To offer new and compelling value propositions
  37. ::Lightweight business models Fail fast Succeed with confidence
  38. ::disruptive innovation Disruptive innovation
  39. ::Lightweight business models Overturning the status quo
  40. ::Lightweight business models Encyclopaedia Wikipedia
  41. ::Lightweight business models MS Office Google docs
  42. ::Lightweight business models Sharepoint Wikis
  43. ::Lightweight business models Siebel Salesforce.com
  44. ::Lightweight business models MS Money Wesabe
  45. ::Lightweight business models Banks peer-to-peer lending
  46. ::Long tail Long tail
  47. ::Long tail Products are typically designed for the lowest common denominator
  48. ::Long tail Because of inefficient channels
  49. ::Long tail Products Limited shelf space Films Limited cinemas Music Limited radio stations Documentaries Limited TV channels Multi media Limited bandwidth
  50. ::Long tail Products Limited shelf space Films Limited cinemas Music Limited radio stations Documentaries Limited TV channels Multi media Limited bandwidth
  51. ::Long tail Products amazon Films VOD Music pandora Documentaries uTube Multi media Broadband
  52. ::Long tail Products amazon The 80-20 rule is wrong
  53. ::Long tail 99% percent of the top 10,000 titles in Amazon will rent or sell at least once a month
  54. ::Long tail £ per sale Number of occurrences Top 20% The Long Tail Niche financial needs Flexible Service offerings?
  55.  
  56. The most visible element of 2.0 is the experience
  57. ::Interaction Interaction
  58. ::Interaction Websites become applications
  59. ::Web as platform
  60. ::Web as platform
  61. ::Web as platform
  62. ::Interaction Richer interactions
  63. ::Interaction
  64. ::Interaction
  65. ::Interaction
  66. ::Interaction
  67. ::Interaction
  68. ::Interaction
  69. ::Interaction
  70. ::Interaction
  71. ::community Bringing the user INTO the web
  72. ::community Community
  73. ::community Markets are conversations
  74. ::community Wikipedia delicious Myspace Bebo Geni Facebook Linkdin Twitter Google
  75. ::community
  76. ::community
  77. ::community
  78. ::community
  79.  
  80.  
  81.  
  82.  
  83.  
  84.  
  85. ::community Connecting people
  86. ::content Content
  87. ::content Hierarchical Proprietary Talking at Syndicated Shared Talking with
  88. ::community
  89.  
  90. ::community
  91.  
  92.  
  93.  
  94. ::community But…
  95. ::community MODERATION
  96.  
  97. Let’s return to the technology
  98. What is it?
  99. Ajax/DHTML/widgets making browser into an application GUI
  100. Tags semantics (meaning) attached to stuff
  101. Microformats more semantics - data inside pages
  102. XHTML+CSS separating data from presentation
  103. Web feeds/RSS/Atom Data that updates
  104. JSON Data not documents
  105. APIs/APP/REST machine not human view on the web
  106. OpenID Single sign-on: identity
  107. Mashups Web 2.0 Integration
  108. You may also hear about
  109.  
  110. Context
  111. Content on the web lacks context
  112. It is human readable not machine processable
  113. Exclusive data
  114. Without context…
  115. Beaches
  116. Thailand
  117. Dive school
  118. With context…
  119. Beaches
  120. Beaches in Thailand
  121. Beaches in Thailand that have dive schools
  122. Beaches in Thailand that have dive schools That have lessons next week
  123. Linkages through metadata
  124. Once data has context, personalisation becomes far more powerful
  125. But…
  126. Requires defined ontologies
  127. Verbose markup
  128. The jury is still out
  129. What does this all mean?
  130. (Time for a change in approach)
  131. Let’s start with a customer
  132. Let’s call the customer Sam Images from http://www.designcomics.org/
  133. Sam had a different experience
  134. He sees his balance where he wants it
  135. He wants to pay a bill. He accesses his account securely, the way he wants to
  136. It’s quick
  137. He can move as much money as he wants easily
  138. Transactions are tagged
  139. By him and the other customers
  140. See what he is spending
  141. Where he is spending
  142. Unusual spending patterns 3 7 2 1 8
  143. Separating savings into different pots
  144. Tools to manage his money
  145. Microsoft money without the hassle!
  146. Unobtrusive cross selling Can we save you money? You’ve bought petrol this month! Did You know with our Platinum account you can get FREE ROAD ASSISTANCE COVER
  147. Sam likes what he sees
  148. Content is easier to find http://www.pfigg.com/cloud.php
  149. Sam enjoys targeted finding
  150. Not souless searching
  151. Sam’s thinking of moving home
  152. He’ll want a new mortgage £ £
  153. Rather than being pushed content
  154. Frustration!
  155. The bank knows about him
  156. The process is not enter data
  157. Wait
  158. Not what I want
  159. Oh dear…
  160. Lots of work on my behalf, little on yours
  161. It is mixing it up, real time…
  162. Modelling his details and seeing quotes updating real time
  163. Knowing about him to provide the best deal
  164. Here’s a vision… (Contact us for the demo)
  165. www.dancingmango.com/blog

+ marc mcneillmarc mcneill, 2 years ago

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