Banking 2.0 It’s all about socialising, sharing and creating Erik van Roekel, Marco Derksen Mei 2008 An introduction

Aalten , Amsterdam , Arnhem , Hogeschool Arnhem-Nijmegen, scheikunde , Katholieke Universiteit Nijmegen, Organon , datamining , marketing , consultant, VODW Marketing Village, BrandmarC , P&G, ING, digitale media , gezin , Share of Mind, Essent, Amicon, webanalytics, ilse media, Marketingfacts , Lenthe (Marketing Tribune) , Blogads, Upstream , HAN , Blogresearch , Social networks, IAB, VPRO

Introduction Technology and social shift

Postbankvideo You have ain’t seen nothing yet!

From analogue to networked digital Analogue Digital Networked digital Personal Video Recorders Flat Screen TVs Media PCs Multi-media mobile phones Games consoles PDAs Portable Media Players Digital imaging devices Media Servers IP TV STBs Mp3 players Removable storage Handheld Games consoles Networked DVD players Digital radio Wearable media Streaming media players Notebook & tablet PCs

From geek to common usage

New business rules

Communication shift

Social networks

Socialising & sharing

Back to the old days?

Trust?

Trust?

New players in new markets bestaande spelers nieuwe spelers bestaande markt nieuwe markt

Banking 2.0 (Frankwatching)

Payment

Examples Paypal

Examples Paypal

Examples Google Checkout

Examples Amazon Payments Server

Examples Xoom.com

Examples RevolutionMoneyExchange.com

Lending

Examples Prosper.com

Examples Prosper.com

Examples Zopa.com

Examples Boober.nl

Examples VirginMoney (CircleLending)

Examples Fynanz.com

Examples Boober.nl

Examples BooberWatch.nl

Person-to-person or p2p-lending Is this a disruptive service or a niche market?

Person-to-person or p2p-lending Is this a disruptive service or a niche market?

Person-to-person or p2p-lending Is this a disruptive service or a niche market?

Person-to-person or p2p-lending Is this a disruptive service or a niche market?

Saving & investment

Examples SmartyPig.com

Examples ChipIn.com

Examples LoyaltyMatch.com

Examples SocialPicks.com

Examples Herdstreet (herdst.com)

Examples BullPoo.com

Examples MyFootballClub.co.uk

Money management

Examples Wesabe.com

Examples Wesabe.com

Examples Wesabe.com

Examples Wesabe.com

Examples Wesabe.com

Examples Wesabe.com

Examples Mint.com

Examples Geezeo.com

Examples Mint, Geezeo or Wesabe? (happydollars.blogspot.com)

Examples BillMonk.com

Examples Bill.com (voorheen Cashview)

Examples Bizner/Reeleezee

Examples MoneyStrands + Expensr

Marketing & communication

Fragmented customers 20 th Century Homogenous Customers 21 st Century Fragmented Customers Extreme shifts in: Age Wealth Ethnicity/Culture Lifestage patterns Household composition Value systems Bron: IBM Institute for Business Value Customer Segments % of population Customer Segments % of population

Trust?

Social networks or online communities

Marketing & communication Where are my customers?

Marketing & Communication Esmee Denters op YouTube

Marketing & Communication MoveOutMoveUp (ING Direct) op YouTube

Marketing & Communication Postbank op YouTube (via Brandbase)

Marketing & Communication Postbank op YouTube (via Marketingfacts)

Marketing & Communication RaboSportTV (eigen channel op YouTube)

Marketing & Communication ING embedded video

Marketing & Communication Postbank WebTV (met ING Embedded Videoplayer)

Marketing & Communication SkyDiver-gadget voor Hyves (Centraal Beheer)

Marketing & communication Online communities

Marketing & Communication Wells Fargo weblogs

Marketing & Communication Wells Fargo “Student LoanDown” weblog

Marketing & Communication Executive Blog Bryan Inch, GM RaboPlus

Marketing & Communication Raboblog.nl

Marketing & Communication Join2grow.biz (Fortis)

Marketing & Communication Flametree (ABN AMRO)

Marketing & Communication Listening to customer

Marketing & Communication Google Labs

Marketing & Communication American Express Labs

Marketing & Communication American Express Account Widget

Marketing & Communication Blackboard (ABN AMRO)

Marketing & Communication Geldwaardering.nl

Marketing & Communication Vanspaarbankveranderen.nl

Marketing & Communication Postbankmoetblijven.nl

Marketing & Communication Bizner (Reeleezee)

Marketing & Communication Bizner (Reeleezee)

Future of banking?

Banking in 2020

References Resources: Everything 2.0 (Bob Stumpel) Person-to-Person Lending 2.0 (Banking Report) Top 25 Web 2.0 Apps for Money, Finance, and Investment Finovate Startup Thanks: Erik van Roekel, Ton Wesseling & Yuri van Geest Questions: Marco Derksen, [email_address] of 06-27041122

Resources:

Everything 2.0 (Bob Stumpel)

Person-to-Person Lending 2.0 (Banking Report)

Top 25 Web 2.0 Apps for Money, Finance, and Investment

Finovate Startup

Thanks:

Erik van Roekel, Ton Wesseling & Yuri van Geest

Questions:

Marco Derksen, [email_address] of 06-27041122