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MOBILE 
IS BIGGER 
THAN 
DESKTOP 
DIGITAALISET FINANSSIPALVELUT 2014 
HELSINKI, 30.9.2014 
! 
KRISTIAN LUOMA, @KLUOMA 
OP-POHJOLA / PIVO WALLET
I LOVE MOBILE
FIRST & LAST DISPLAY DAILY
250+ TIMES EACH DAY
MOMENT OF DESPAIR
I KNOW WHEN YOU LOSE 
YOUR INTEREST IN MY PRESO
MOBILE RULES
Nearly everyone who 
reads, will have one. 
by @benedictevans
LESS PEOPLE OWN A 
TOOTHBRUSH THAN A MOBILE
Growth in Finland 
29% 51% 68% Q1 2013* 
Q3 2014* 
Q1 2011** 38% 
*OP-Pohjola/TNS Gallup research in Q1 2013 
**Google Insights Research 2012 
Q1 2012**
Hungry for new services 
Q1 2013* 
66% 
Q3 2014* 
38% 53% 
wants to check loyalty 
program on mobile 
(+11% YoY) 
wants the receipt 
on mobile 
(+4% YoY) 
wants to pay 
with mobile 
(+6% YoY)
Netin ja nettipalveluiden käyttö valtaa yhä enemmän aikaa 
suomalaisten hereillä oloajasta. 
36 
28 27 26,1907 25,519 
21,2776 21,1197 20,8758 20,3619 
Tuntimäärä, ka. 
(h,min) 
17,0289 
24 
18 
16 16 16,0826 14,4964 16,5785 14,7068 14,7974 12,8442 13,365 
0 1 2,0013 1 0,9455 0,3361 0,5154 0,7434 1,521 
©TNS 2014 
12 
10 
58,8612 
7 
5 
9,1592 9,8391 8,9114 7,2301 
2 
100 
75 
50 
% 0 
25 
26 
Kevät 
2006, 
n=2072 
Kevät 
2007, 
n=2191 
39,0496 
15,5323 
Kevät 
2008, 
n=2202 
44,8111 47,0109 
12,3721 13,2156 
Kevät 
2009, 
n=1530 
Kevät 
2010, 
n=1523 
53,7385 52,8037 54,1618 
Kevät 
2011, 
n=1552 
Kevät 
2012, 
n=1636 
Kevät 
2013, 
n=892 
Kevät 
2014, 
n=874 
Alle tunti 1 tunti/vko 2-3 tuntia/vko 4-5 tuntia/vko 
Yli 5 tuntia/vko Ei osaa sanoa Tuntimäärä, ka. 
5,46 
6,43 
7,02 
7,52 
8,35 
9,12 
9,45 9,50 
10,29 
1 1 1,1435 1,8117 0,9719 0,9397 1,1687 2,9773 1,9938 
Vastaajajoukko: 15-79-vuotiaat suomalaiset, jotka käyttäneet internetiä edellisen kuukauden aikana. Kysytty puhelinhaastatteluna. 
Kuinka monta tuntia viikossa arvioisitte käyttävänne Internetin 
WWW-sivujen selailuun ja lukemiseen? 
TNS Gallup Digital / NetTrack 2014
“FACEBOOK 
I S A MOBILE 
COMPANY”
Lähde: KPCB
Takeaway #1 
MOBILE IS THE MOST SIGNIFICANT 
CHANNEL RIGHT NOW
WHAT IS MOBILE?
UBER
TINDER
COUPLE
100 PUSHUPS
TAB
HOTELTONIGHT
LOCATION-AWARE 
REALTIME 
UNBUNDLED 
RELEVANT 
PERSONAL 
1-CLICK 
SMART 
COACH 
VALUE-ADD CONTROL
LOCATION-AWARE 
CONNECTED 
REALTIME 
UNBUNDLED 
RELEVANT 
PERSONAL 
1-CLICK 
SMART 
COACH 
VALUE-ADD CONTROL
CONNECTING PEOPLE
CONNECTED PEOPLE
Takeaway #2 
TRUE MOBILE EXPERIENCES 
ARE CONNECTED
HOW TO SUCCEED 
IN MOBILE?
ZERO COST TRANSITIONS
GLOBAL, 
FIERCE 
COMPETITION
DESIGN MATTERS
Takeaway #3 
FEELINGS, 
NOT FEATURES
HOW TO SUCCEED IN 
FINANCE MOBILE APPS?
MOVEN BBVA/SIMPLE 
(VALUED AT 100’s OF MEUR) (SOLD FOR 117 MEUR)
WHAT CONTROL, 
CONTEXT OR 
VALUE-ADD CAN 
WE BRING TO 
TRANSACTIONS 
FOR CONNECTED 
PEOPLE?
• 3 0 0 . 0 0 0 + 
• 33% DAU
Takeaway #4 
DESIGN FOR CONNECTED, DELIVER CONTROL, 
CONTEXT AND VALUE-ADD
TABLETS? RESPONSIVE 
DESIGN?
TABLETS = MOBI LE, RIGHT?
TABLET WILL REPLACE DESKTOP 
(NOT MOBILE)
ALL CHANNELS ARE THE 
SAME?
TABLET I S A CONNECTING TECHNOLOGY 
SOMETHING YOU GO TO, NOT SOMETHING 
THAT GOES WITH YOU
MOBILE IS WITH YOU 
CONNECTED PEOPLE
LOCATION-AWARE 
REALTIME 
UNBUNDLED 
RELEVANT 
PERSONAL 
1-CLICK 
SMART 
COACH 
VALUE-ADD CONTROL
RESPONSIVE DESIGN SAVES 
EVERYTHING?
SCALABLE/ 
RESPONSIVE 
DESIGN I S A FAD 
(ALWAYS WAS)
BUT SURELY, OMNI-CHANNEL?
Multi-channel use, simultaneously 
by @ThinkWithGoogle
Takeaway #5 
TABLETS NEED THEIR OWN STRATEGY 
AS ITS NOT THE SAME AS MOBILE
BEYOND MOBILE
We’re not done yet 
by @BusinessInsider
Copyrights by @Mashable 
WATCHES
Copyrights by @Google 
GLASSES
QUANTIFIED SELF 
Copyrights by @Mashable
IDENTIFICATION 
Copyrights by @Barclays_UK
MOBILE = SWITCHBOARD
Takeaway #6 
IN ERA OF WEARABLES & IOT, MOBILE 
WILL STILL BE THE SWITCHBOARD
TAKEAWAYS 
#1 MOBILE IS THE MOST SIGNIFICANT CHANNEL NOW 
#2 TRUE MOBILE EXPERIENCES ARE CONNECTED 
#3 FEELINGS, NOT FEATURES 
#4 DESIGN FOR CONNECTED, DELIVER CONTROL, 
CONTEXT AND VALUE-ADD 
#5 TABLETS NEED THEIR OWN STRATEGY AS ITS NOT 
THE SAME AS MOBILE 
#6 IN ERA OF WEARABLES & IOT, MOBILE WILL STILL 
BE THE SWITCHBOARD
THANK YOU. 
@kluoma @pivo

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