slide deck that presents a framework for describing Web 2.0 then using cartoons illustrates a potential customer experience at a Web 2.0 internet bank

1. Web 2.0 What is it and what does it mean for Retail banks Marc McNeill

2. What is it?

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

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?

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

85. ::community Connecting people

86. ::content Content

87. ::content Hierarchical Proprietary Talking at Syndicated Shared Talking with

88. ::community

90. ::community

94. ::community But…

95. ::community MODERATION

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

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