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Retail bank of the future

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Short presentation on the future experience of retail banking. Most of these services exist today, I just put them side by side to show how clients will flow in the near future. ...

Short presentation on the future experience of retail banking. Most of these services exist today, I just put them side by side to show how clients will flow in the near future.
Disclaimer: via my activities as a Venture Partner at Anthemis Group, I have indirect connections with some of the companies presented. Learn more on Anthemis on www.anthemis.com

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    Retail bank of the future Retail bank of the future Presentation Transcript

    • The retail bank of the future?Laurent Haug 5915 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMS My bank statements will look like a twitter timeline, an interface that works both on mobiles and desktop computers.Laurent Haug 6015 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMSLaurent Haug http://holvi.com 6115 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMS I can add metadata to each transaction, upload pictures or files, the name of the other part of the transaction is clickable and I can see a history of my relationship with them.Laurent Haug 6215 March 2013
    • // WIRED ---> MOBILELaurent Haug www.square.com 6315 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMS I can share my accounts entirely or only selected transactions by circles, and decide what is available to whom.Laurent Haug 6415 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMSLaurent Haug Source 6515 March 2013
    • I can connect a third party system to visualize my assets. I can filter and analyze my expenses for all my accounts in one place, including online assets like Facebook credits or miles.Laurent Haug 6615 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMSLaurent Haug www.bankin.com 6715 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMSLaurent Haug www.linxo.com 6815 March 2013
    • I can see my cashflow updated in real time, taking into account recurring expenses or upcoming incomes like salaries.Laurent Haug 6915 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMSLaurent Haug https://simple.com/ 7015 March 2013
    • Algorithms help me make decisions on assets allocation, and reach savings goals.Laurent Haug 7115 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMSLaurent Haug www.betterment.com 7215 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMSLaurent Haug Source 7315 March 2013
    • I can interact with my account manager or family members directly inside the application, exchanging messages and files securely.Laurent Haug 7415 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMSLaurent Haug www.blueleaf.com 7515 March 2013
    • My credit rating takes into account my online reputation (ebay seller ratings, peerindex ranking, etc) and I can get immediate quotes on services like insurance or credit.Laurent Haug 7615 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMSLaurent Haug www.kabbage.com 7715 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMSLaurent Haug www.climate.com 7815 March 2013
    • I can connect to third party services to accept payments in local or foreign currencies.Laurent Haug 7915 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMSLaurent Haug iZettle 8015 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMSLaurent Haug http://connect.thecurrencycloud.com/ 8115 March 2013
    • I can follow what other people are trading, and let others manage my portfolio by copying their trades.Laurent Haug 8215 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMSLaurent Haug www.etoro.com 8315 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMSLaurent Haug Source 8415 March 2013
    • The data I generate is analyzed to create recommendations and insights. I get custom offers based on my past purchases directly in my ebanking.Laurent Haug 8515 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMSLaurent Haug http://www.bundle.com 8615 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMS Cardlytics enables banks and retailers to target customers in a very precise way, based on their prior purchases. So, for example, if you use your card to buy a Big Mac Meal from McDonald’s, a promotion for Burger King could well feature under that item on your online bank statement. The offers can actually appear beside transactions, in a dedicated area on the transaction page, or on a standalone rewards-summary section.Laurent Haug Source 8715 March 2013
    • I can interact with my bank using any medium I want.Laurent Haug 8815 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMSLaurent Haug Bain & Company, Customer Loyalty in Retail Banking  8915 March 2013
    • I can use alternative and local currencies to transact on my accounts.Laurent Haug 9015 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMSLaurent Haug http://www.telegraph.co.uk/finance/currency/9552347/Bristol-launches-citys-local-currency.html 9115 March 2013
    • // CLOSED SYSTEMS ---> OPEN PLATFORMSLaurent Haug http://www.ladepeche.fr/article/2012/02/24/1291204-succes-inattendu-pour-le-sol-violette.html 9215 March 2013