Rethinking the
Traditional
Online Offer
Nicolas Moya
Director of Innovation
1

Bankinter at a
Glance
Bankinter at a Glance

1. Universal bank with domestic focus in Spain.
2. A lean branch network supported by a multichanne...
2

The Perfect
Moment
Internet is a mature environment in Spain

+38%

+10%

2008

2009

+27%

+23%

2010

2011

eCommerce Growth rate (Spain)
New devices generate new expectations

Clients expect excellent user experience.
Internet surfers have become active users.

Web surfers want to generate their own contents. Today it is not
enough to rea...
In the Banking Industry, customer are demanding
changes
 It is not only a Corporate Reputation problem…
 ... but it also...
An opportunity

 To considerate Internet as a market instead just as a
channel

 To catch clients online.
 To build an ...
3

COINC.
“Motivated Savings”
Introducing a New Brand
Introducing a New Brand
Introducing a New Brand
Introducing a New Brand

Save like never
before.
Target users
 For agile Internet Users with
aspirations of financial
responsibility…
 … a younger segment.
Target users
COINC uses a very different language than Bankinter

More direct, colloquial, funny
Positioning
COINC uses a very different language than Bankinter
Value proposition

 COINC is the online portal that helps you
achieve what you’ve always wanted, making
saving easy and e...
Video
A very different relation model

Save for specific goals: a wedding, a trip, an iPAD, or
just save…
Gamification and personalization to motivate
savings
Easy tracking and total flexibility
100% online, paper-free registration
Supported by a Bank deposit

 Remunerate with an Interest Rate.
 Possibility of withdrawing funds.
 Bankinter and Centr...
4

Social
Saving with others

… and also a viral way
to catch new users.
Share personal goals with your network
Receive donations
And now… Collective Goals

Savings more
social, more
emotional.
And now… Collective Goals

Video
With Collective Goals COINC
becomes social
Gracias!
@coinc_es
@nicolas1968
GWC2013 - Nicolás Moya - Bankinter
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GWC2013 - Nicolás Moya - Bankinter

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GWC2013 - Nicolás Moya - Bankinter

  1. 1. Rethinking the Traditional Online Offer Nicolas Moya Director of Innovation
  2. 2. 1 Bankinter at a Glance
  3. 3. Bankinter at a Glance 1. Universal bank with domestic focus in Spain. 2. A lean branch network supported by a multichannel approach to distribution. 3. Segment diversification (50% gross income from enterprises, 50% from individuals). 4. Specialized in affluent and mass affluent segments. 5. Over 4,300 employees. 6. Almost one million clients. 7. NPL ratio 4.0%. Less than half the Industry average.
  4. 4. 2 The Perfect Moment
  5. 5. Internet is a mature environment in Spain +38% +10% 2008 2009 +27% +23% 2010 2011 eCommerce Growth rate (Spain)
  6. 6. New devices generate new expectations Clients expect excellent user experience.
  7. 7. Internet surfers have become active users. Web surfers want to generate their own contents. Today it is not enough to read contents on Internet.
  8. 8. In the Banking Industry, customer are demanding changes  It is not only a Corporate Reputation problem…  ... but it also a matter of developing new products, services and relationship models.  Clients want a “more emotional” Banking.
  9. 9. An opportunity  To considerate Internet as a market instead just as a channel  To catch clients online.  To build an online 2.0 offer.  To find an additional value generation model for the Bank.
  10. 10. 3 COINC. “Motivated Savings”
  11. 11. Introducing a New Brand
  12. 12. Introducing a New Brand
  13. 13. Introducing a New Brand
  14. 14. Introducing a New Brand Save like never before.
  15. 15. Target users  For agile Internet Users with aspirations of financial responsibility…  … a younger segment.
  16. 16. Target users COINC uses a very different language than Bankinter More direct, colloquial, funny
  17. 17. Positioning COINC uses a very different language than Bankinter
  18. 18. Value proposition  COINC is the online portal that helps you achieve what you’ve always wanted, making saving easy and even fun.  Dynamic online environment reflecting the latest trends in usability, tech and social.
  19. 19. Video
  20. 20. A very different relation model Save for specific goals: a wedding, a trip, an iPAD, or just save…
  21. 21. Gamification and personalization to motivate savings
  22. 22. Easy tracking and total flexibility
  23. 23. 100% online, paper-free registration
  24. 24. Supported by a Bank deposit  Remunerate with an Interest Rate.  Possibility of withdrawing funds.  Bankinter and Central Bank guarantees.
  25. 25. 4 Social
  26. 26. Saving with others … and also a viral way to catch new users.
  27. 27. Share personal goals with your network
  28. 28. Receive donations
  29. 29. And now… Collective Goals Savings more social, more emotional.
  30. 30. And now… Collective Goals Video
  31. 31. With Collective Goals COINC becomes social
  32. 32. Gracias! @coinc_es @nicolas1968
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