Innotribe at LARCKeeping up with the PaceLatin America Regional ConferenceJune 2012
Our Speakers• Guibert Englebienne  CTO & Co-Founder, Globant• Ivan Dos Reis Passos  Head of Innovation, Itau-Unibanco• Chr...
IcebreakerWrite your answer to this question on a Post-itEscreva sua resposta a essa pergunta em um post-itEscribe tu resp...
First SpeakerGuibert Englebienne CTO & Co-Founder, GlobantLink
Second SpeakerIvan Dos Reis Passos  Head of Innovation, Itau-Unibanco
Tales of Innovation atItau UnibancoIvan Passos – Innovation WMS     Swift LARC – June 26, 2012
Innovation at Work  CULTURE            PROJECTS
What we bring to the organization In-depth understanding Leave of absence from   A constant look     of the customer      ...
Third SpeakerHeather Schlegel Innovation Leader, Innotribe, Swift Americas
Building Blocks                              Innotribe is Swift‟s initiative                to enable collaborative innova...
The History       • Innotribe Brand is born       • First Innovation Challenge       • Innotribe @Sibos (Amsterdam), 3 str...
Incubator                                            The person                                            with an idea   ...
Bringing the edge to the core                                                                                Corporate    ...
Thought Leadership             Future of Money Scenario VideosFly Me to the Moon                                 Flowers F...
Innotribe Events       Learning experiences, designed for interaction.                     An interesting mix:our Tribe   ...
The Network                      our Tribe+ 1,000 followers
Startup ChallengeStartup                         Enablers          Financial Industry
Startup ChallengeStartup Challenge was initially an incubator projectin 2011:Acceleration phase in 2012:3 editions:       ...
The Team
Obrigado – Gracias – Thank youHeather SchlegelInnovation LeaderSWIFT AmericasHeather.schlegel@swift.com+1.917.375.8630Twit...
ExerciseSmall Group DiscussionDiscussão em Pequenos GruposDiscusión en grupos pequeños• How can Innovation be fostered in ...
Fourth SpeakerChris Conn Sr. Business Manager, Initatives, Swift Americas
Mobile paymentsThree ways for banks to seizethis strategic opportunityLatin America Regional ConferenceJune 2012
SWIFT’s role in mobile paymentsSWIFT‟s current role in mobile payments• Standards and best practice                     Wh...
SWIFT white paper on mobile payments                   Mobile payments are a top priority for banks                   Have...
Mobile payments: top priority for banks      Ubiquity                                   Customer                      Grow...
Select Latin American Countries                                           Source: mobiThinking – „State of mobile in Latin...
Specific challenges for banksMany new                              • Telcos, e-commerce companies now do paymentsentrants ...
Three strategic opportunities for banks           Mobile                                Mobile               Mobile       ...
Obstacles to global adoption                                           • Legal frameworks not harmonised across           ...
Telcos are positioning for this business          Doing international           money transfers                           ...
Banks more likely to win in money transfers?                      Mobile network operators                            Bank...
Features of global mobile payments service                     Compelling and consistent offeringOpen API                 ...
Who can bring banks together?                                                 SWIFT                     GSMA              ...
Conclusion: a shaping role for banks         Mobile payments can be a strategic opportunity      Take actions in mobile ba...
Questions & Answers     ?SWIFT Latin American Regional Conference - 2012   25-26 June 2012   55
Thank you   Chris Conn   Banking & Corporate Initiatives   SWIFT Americas   chris.conn@swift.com   +1.212.455.1812   Downl...
ExerciseSmall Group DiscussionDiscussão em Pequenos GruposDiscusión en grupos pequeños• What would it take to enable mobil...
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
Keeping up with the Pace, Innotribe at LARC
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  • Internal and External events
  • Artculatedifferencebetween MNO services and Mobile eco-system !!!Banco d’orotakingrole of clearing and settlementManaging cash and riskReporting to the central bankRole of SMART
  • Keeping up with the Pace, Innotribe at LARC

    1. 1. Innotribe at LARCKeeping up with the PaceLatin America Regional ConferenceJune 2012
    2. 2. Our Speakers• Guibert Englebienne CTO & Co-Founder, Globant• Ivan Dos Reis Passos Head of Innovation, Itau-Unibanco• Chris Conn Sr. Business Manager, Initatives, Swift Americas• Heather Schlegel Innovation Leader, Innotribe, Swift Americas
    3. 3. IcebreakerWrite your answer to this question on a Post-itEscreva sua resposta a essa pergunta em um post-itEscribe tu respuesta a esta pregunta en un post-it What are your challenges? Quais são os seus desafios? ¿Cuáles son sus desafíos? Stick it on the flipchart Cole-o no flipchart Pegue en el rotafolio
    4. 4. First SpeakerGuibert Englebienne CTO & Co-Founder, GlobantLink
    5. 5. Second SpeakerIvan Dos Reis Passos Head of Innovation, Itau-Unibanco
    6. 6. Tales of Innovation atItau UnibancoIvan Passos – Innovation WMS Swift LARC – June 26, 2012
    7. 7. Innovation at Work CULTURE PROJECTS
    8. 8. What we bring to the organization In-depth understanding Leave of absence from A constant look of the customer the comfort zone into the futureDifferentiated and higher value experiences to our customers
    9. 9. Third SpeakerHeather Schlegel Innovation Leader, Innotribe, Swift Americas
    10. 10. Building Blocks Innotribe is Swift‟s initiative to enable collaborative innovation in financial services. Castle & Sandbox Incubator Innovation Challenge Internal Megaphones The Team Innovation Proof of ConceptWith passion Part of Designed for Events interaction The Network The tribe for collaboration Technology Boosting the Trends Start-Up Non-Technology Financial Industry Enablers group Challenges
    11. 11. The History • Innotribe Brand is born • First Innovation Challenge • Innotribe @Sibos (Amsterdam), 3 streams, 200 people2009 • Megaphones - 3 innovation challenges • Innotribe.com – 12 PoC‟s – Design team • Innotribe @Sibos (Hong Kong), 6 streams, 1200 people2010 • 12 events, internal + external • Innotribe Incubator – 6 projects, 2 acceleration – Innotribe ENABLERS • Start-up challenge • Banks for a Better World (B4BW) first time2011 • Innotribe @Sibos (Toronto), 8 streams, 2000 people • 50 events, internal + external. First Innotribe conference in Mumbai, India • 4 Start-up challenges - global • 3 Innotribe conferences: New York, Bangkok and Belfast • Acceleration fund2012 • B4BW session at Davos, WEF • Innotribe @Sibos (Osaka)
    12. 12. Incubator The person with an idea ?The castle, the solid bedrock of your The sandbox, a safe environmentbusiness with operational excellence. for experimentation.
    13. 13. Bringing the edge to the core Corporate Culture Digital IdentitySocial Finance Social Data API‟s Enablers Enablers Samico Cloud DAG Enablers Mercury B4BW LAP15 Future of Money Mash-ups MyStandards Dragonfly Mobile Big Data Enablers
    14. 14. Thought Leadership Future of Money Scenario VideosFly Me to the Moon Flowers For Grandma
    15. 15. Innotribe Events Learning experiences, designed for interaction. An interesting mix:our Tribe Corporate Culture Digital Identity Social Data Enablers Cloud
    16. 16. The Network our Tribe+ 1,000 followers
    17. 17. Startup ChallengeStartup Enablers Financial Industry
    18. 18. Startup ChallengeStartup Challenge was initially an incubator projectin 2011:Acceleration phase in 2012:3 editions: - Americas: feb. 8, NY Winners: P2P Cash Technology, and Gust - APAC: April 24, Singapore + final event! Winners: PlayMoolah, and Pendo Systems at Sibos Osaka (Japan): - EMEA: June 14, Belfast 29 October – 1 November Winners: …
    19. 19. The Team
    20. 20. Obrigado – Gracias – Thank youHeather SchlegelInnovation LeaderSWIFT AmericasHeather.schlegel@swift.com+1.917.375.8630Twitter @heathervescentInnotribe: http://www.Innotribe.com@Innotribe
    21. 21. ExerciseSmall Group DiscussionDiscussão em Pequenos GruposDiscusión en grupos pequeños• How can Innovation be fostered in your organization? Region?• How can Innotribe help?• Como pode ser promovida inovação na sua organização? Região?• Como poderia Innotribe ajudar?• ¿Cómo se fomentará la innovación en su organización? Región?• ¿Cómo puede Innotribe ayudar?
    22. 22. Fourth SpeakerChris Conn Sr. Business Manager, Initatives, Swift Americas
    23. 23. Mobile paymentsThree ways for banks to seizethis strategic opportunityLatin America Regional ConferenceJune 2012
    24. 24. SWIFT’s role in mobile paymentsSWIFT‟s current role in mobile payments• Standards and best practice What should SWIFT – Member of Mobey Forum do more – Participate in new ISO standard for in mobile payments? mobile payments and banking• SWIFTRemit Which new Platform for person-to-person collaborative solutions payments, mobile-enabled can support banks’• Thought leadership & innovation mobile payments White paper, forums for dialogue like strategies? Sibos, foster innovation through InnotribeSWIFT Mobile Payments WP - LARC2012.pptx 43
    25. 25. SWIFT white paper on mobile payments Mobile payments are a top priority for banks Have specific challenges What should banks do next: “sit back & watch” or be pro-active? Supported by collaborative solutions?SWIFT Mobile Payments WP - LARC2012.pptx 44
    26. 26. Mobile payments: top priority for banks Ubiquity Customer Growth mobile phone adoption market• World population: • 130 live services, 100 By 2015 7 billion more planned, new • 900 million customers• Mobile phones: projects every week • USD 1 trillion 5 billion • Mobile is fastest growing transaction value• Bank accounts: payment technology 2 billionSWIFT Mobile Payments WP - LARC2012.pptx 45
    27. 27. Select Latin American Countries Source: mobiThinking – „State of mobile in Latin America‟, 2010Yet 35% of Latin & Caribbean Americans have bank accounts - IADBSWIFT Mobile Payments WP - LARC2012.pptx 46
    28. 28. Specific challenges for banksMany new • Telcos, e-commerce companies now do paymentsentrants • Money transfer operators & card companies investImmature • Many deployments but few with significant user basebusiness • Several in pilot, some stoppedUnclear • Up-sell for banks when payment becomes mobile?business case • Revenue play in pure telco-led model?Complex • Un-harmonised legal frameworks, evolving technologymatter • Need for partnerships, banks may lack expertiseSWIFT Mobile Payments WP - LARC2012.pptx 47
    29. 29. Three strategic opportunities for banks Mobile Mobile Mobile banking commerce money transfers Use mobile phone to Use mobile phone to Use mobile phone toaccess your bank account buy products send money to someone SWIFT Mobile Payments WP - LARC2012.pptx 48
    30. 30. Obstacles to global adoption • Legal frameworks not harmonised across countries • Balance risk versus financial inclusion • Several countries took „proportionate approach‟ • No single provider covers whole world • Several partnerships & joint ventures • Divergent business objectives, views on revenue sharing, mindsets, etc. • Most systems are „closed loop‟, objective is building critical mass • Interoperability is needed for long term growth • No global solution yet – only few bilateral links & hubsSWIFT Mobile Payments WP - LARC2012.pptx 49
    31. 31. Telcos are positioning for this business Doing international money transfers Linking up globallySWIFT Mobile Payments WP - LARC2012.pptx 50
    32. 32. Banks more likely to win in money transfers? Mobile network operators Banks Today Many run domestic mobile Few have mobile payments money transfer service service • Now target international remittances • Mainly for proximity payments • Are connecting to each other • Typically only for their customersTomorrow? A sustainable business? A good business? • Payments not a core activity • Core business • Small revenue ticket • Sizeable • Increasing costs • High margin business • Increasing competition • Increase size of the pie vs. MNO led • Interoperability between MNOs? SWIFT Mobile Payments WP - LARC2012.pptx 51
    33. 33. Features of global mobile payments service Compelling and consistent offeringOpen API Work off bank accounts Brand neutral, allow for differentiation Run as agile, commercial company SWIFT Mobile Payments WP - LARC2012.pptx 52
    34. 34. Who can bring banks together? SWIFT GSMA Global bank collaboration on mobile A vendor Mobey Forum payments ISOSWIFT Mobile Payments WP - LARC2012.pptx 53
    35. 35. Conclusion: a shaping role for banks Mobile payments can be a strategic opportunity Take actions in mobile banking, mobile commerce and mobile money transfers Consider a bold move: develop a global person-to- person payments service that is mobile-enabledSWIFT Mobile Payments WP - LARC2012.pptx 54
    36. 36. Questions & Answers ?SWIFT Latin American Regional Conference - 2012 25-26 June 2012 55
    37. 37. Thank you Chris Conn Banking & Corporate Initiatives SWIFT Americas chris.conn@swift.com +1.212.455.1812 Download the white paper at: http://www.swift.com/about_swift/White_papersSWIFT Mobile Payments WP - LARC2012.pptx 56
    38. 38. ExerciseSmall Group DiscussionDiscussão em Pequenos GruposDiscusión en grupos pequeños• What would it take to enable mobile payments?• O que seria necessário para permitir pagamentos por celular?• ¿Qué hace falta para los pagos móviles?

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