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White Labeled Mobile Web Solution for Banks
White Labeled Mobile Web Solution for Banks
White Labeled Mobile Web Solution for Banks
White Labeled Mobile Web Solution for Banks
White Labeled Mobile Web Solution for Banks
White Labeled Mobile Web Solution for Banks
White Labeled Mobile Web Solution for Banks
White Labeled Mobile Web Solution for Banks
White Labeled Mobile Web Solution for Banks
White Labeled Mobile Web Solution for Banks
White Labeled Mobile Web Solution for Banks
White Labeled Mobile Web Solution for Banks
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White Labeled Mobile Web Solution for Banks

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This solution was created for enterprise clients to be offered as a package. This is a sample of data driven user experience design. It was based on a contextual analysis of users using the banking …

This solution was created for enterprise clients to be offered as a package. This is a sample of data driven user experience design. It was based on a contextual analysis of users using the banking service on an everyday basis on SMS & Web. This design interweaves the use of SMS, URL based SMS. mobile web & mobile applications resulting in an all pervasive presence for the enterprise, in this case, a bank.

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  • 1. WAP Proposed WAP support for X bank… A Web to WAP selection initiative Ekta Rohra Jafri ekta@acl-wireless.com
  • 2. M-banking Services which people use on WAP Balance, 63% 70% 60% 50% View Statement, 40% 27% 30% Lead generation Locators, 12% 20% cheque status, 2% services, 2% 10% Requests, 2% 0% Note: These are not percentages of a whole. They are the averages from four banking WAP sitesX bank – A web to WAP selection initiative Managed Mobility Services
  • 3. How can WAP help X bank?  Access information – Users can get immediate access to information several times a day. For example if someone is waiting for their salary to be credited. They check the balance every few hours.  Get location based services – Find ATMs, branch addresses and phone numbers. Reach the customer service department.  Lead generation - Filling up forms i.e. for personal loans, home loans, insurance etc. is easier on WAP.  Put in requests – - Investment requests - Fulfill SIP - Request a draft - Do not disturb - Bill paymentX bank – A web to WAP selection initiative Managed Mobility Services
  • 4. The Service Mix WAP Push SMS PUSH WAP PagesX bank – A web to WAP selection initiative Managed Mobility Services
  • 5. Information architecture of WAP site Balance information Since viewing balance is a core Global navigation activity for any account and the Navigation to the rest of the most used, it should be the default features and services. information shown for each account View Statement Locators Services View statement should be the next Ideally we should judge the Relevant requests for each account should be shown in an step for any user so it should be location of the user using his cell extra ‘Services menu’ i.e. cheque easier to view. Ideally balance ID and be able to tell him ‘ ATMs book request, cheque status, should be clickable to a statement. near you’ & ‘Nearest branch’ request a draft, request cash etc. Hidden layer Dynamic pages which are there to support URLs embedded in SMSs and WAP PUSHs. These pages will be configured so that they can be created using an admin interface. The confirmation pages will be linked to the main site to encourage browsing and discovery of features.X bank – A web to WAP selection initiative Managed Mobility Services
  • 6. http://wap.X bank.com For an MSISDN forwarding network - X bank- - X bank- - X bank- Welcome Ekta! Welcome Ekta! Welcome Ekta! ------------------ ------------------ ------------------ My accounts My Accounts Savings account - 2345 Confirm your password Savings Balance [……….] XXXXXXXXX2345 Rs. 2,34,567/- SUBMIT Ready credit Recent transactions ------------------ XXXXXXXXX2345 + Rs. 345/- ATMs near you Sign in Investment Account flow - Rs. 2346/- Nearest branch XXXXXXXXX2345 + Rs. 2317/- Services menu Credit card ------------------ Get insurance XXXXXXXXX2345 ATMs near you Health | Life | Home ------------------ Nearest branch Make an investment ATMs near you Services menu SIP | Mutual funds | FD Nearest branch Get insurance Apply for Loan Services menu Health | Life | Home Home | Personal | Auto Get insurance Make an investment ------------------ Health | Life | Home SIP | Mutual funds | FD Contact us Make an investment Apply for Loan SIP | Mutual funds | FD Home | Personal | Auto Apply for Loan ------------------ Home | Personal | Auto Contact us ------------------ Contact usX bank – A web to WAP selection initiative Managed Mobility Services
  • 7. http://wap.X bank.com Next steps to balance - X bank- Savings account - 2345 ~Statement~ From: 31 Dec 06 - X bank- To: 31 Jan 07 Savings account – 2345 + INR 002314 ~Transaction advice~ - INR 002356 Nature: Credit + INR 003425 Amount: INR 2314 - INR 000123 Date: 15 Jan 07 + INR 002314 Type: Cheque - INR 002356 Details: + INR 002314 # 780280 - INR 002356 Transaction Bank of Baroda + INR 002314 <Back - INR 002356 ------------------ + INR 002314 ATMs near you - INR 002356 Nearest branch ------------------ Services menu = INR 234567 Get insurance Request statement Health | Life | Home ------------------ Make an investment ATMs near you SIP | Mutual funds | FD Nearest branch Apply for Loan Services menu Home | Personal | Auto Get insurance ------------------ Health | Life | Home Contact us Make an investment SIP | Mutual funds | FD Apply for Loan Home | Personal | Auto ------------------ Contact usX bank – A web to WAP selection initiative Managed Mobility Services
  • 8. Sign ups & Lead generation COMBINATION Any lead generation or sign up activity can be initiated by SMS push. And then a combination of various media can be used to maximise response. WAP PAGES the lead generation forms Alternate SMS will be available on WAP route pages where the user can WAP Push There has to be an input information. There There may be users alternate SMS route should ideally be only those who have GPRS just in case the user fields which contain enabled sets but does not have GPRS information which we don’t cannot click on a URL activated on his phone already have about the directly from SMS. user.X bank – A web to WAP selection initiative Managed Mobility Services
  • 9. Lead generation activity User receives lead generation SMS ~Personal loan~ Fill in the form below to apply Get a personal loan Profile: from X bank delivered to your [ - Salaried-] doorstep. Click on the City: URL given below to [Choose] fill the form. http://wap.X Annual income: bank.com/persoal?id […] lakhs =jherutioer574639 Company name OR reply with GET […..] Years in current job: [….] years Existing loans? [- Yes -] User clicks on the URL embedded in the SMS SUBMIT -------------------- HomeX bank – A web to WAP selection initiative Managed Mobility Services
  • 10. Sign up activity User receives sign up SMS ~E-statement~ Fill in the form below to sign up Sign up for an e- statement. Save E-mail ID: paper & get 100 […………..] reward points free! I agree to get e- Click the URL below to sign up statements on the http://wap.X above e-mail ID bank.com/persoal?id= instead of the jherutioer574639 OR reply with OK printed statement at my address. [- I agree -] SUBMIT -------------------- Home User clicks on the URL embedded in the SMSX bank – A web to WAP selection initiative Managed Mobility Services
  • 11. Confirmation page & loop - X bank- - X bank- Thank you for applying for a X bank Personal Welcome Ekta! Loan. Our executive will ------------------ be in touch with you My accounts shortly! Confirm your password X bank on your phone [……….] My accounts SUBMIT ------------------ Loop to WAP X bank ------------------ ATMs near you ATMs near you Nearest branch Nearest branch Services menu Services menu Get insurance Get insurance Health | Life | Home Health | Life | Home Make an investment Make an investment SIP | Mutual funds | FD SIP | Mutual funds | FD Apply for Loan Apply for Loan Home | Personal | Auto Home | Personal | Auto ------------------ ------------------ Contact us Contact usX bank – A web to WAP selection initiative Managed Mobility Services
  • 12. Thank You ACL Wireless Limited Managed Mobility Services 17, Community Centre, East of Kailash, New Delhi – 110065, India Tel +91.11.26438813 | Fax +91.11.26438825 | www.acl-wireless.com | mms@acl-wireless.com Noida  Mumbai  Dubai

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