Banking 2.0

Slide 1: Banking 2.0 It’s all about socialising, sharing and creating An introduction Erik van Roekel, Marco Derksen Mei 2008

Slide 2: 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

Slide 3: Introduction Technology and social shift

Slide 4: Postbankvideo You have ain’t seen nothing yet!

Slide 5: Notebook & tablet PCs Media PCs Digital radio Flat Screen TVs Networked DVD players Media Servers IP TV STBs Streaming media Games consoles players Handheld Removable storage Games consoles Personal Video Recorders Multi-media Digital imaging mobile phones PDAs devices Wearable media Mp3 players Portable Media Players Analogue Digital Networked digital From analogue to networked digital

Slide 6: 76 ,0 75,0 70 ,0 66 ,0 57 ,0 Internetgebruik (%) 49 ,0 50,0 42 ,0 30 ,0 25,0 20 ,0 10 ,0 7 ,5 1 ,2 2 ,8 0,0 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 From geek to common usage

Slide 7: New business rules

Slide 8: Communication shift

Slide 9: Social networks

Slide 10: Socialising & sharing

Slide 11: Back to the old days?

Slide 12: Trust?

Slide 13: Trust?

Slide 14: nieuwe markt bestaande markt bestaande spelers nieuwe spelers New players in new markets

Slide 15: Banking 2.0 (Frankwatching)

Slide 16: Payment

Slide 17: Examples Paypal

Slide 18: Examples Paypal

Slide 19: Examples Google Checkout

Slide 20: Examples Amazon Payments Server

Slide 21: Examples Xoom.com

Slide 22: Examples RevolutionMoneyExchange.com

Slide 23: Lending

Slide 24: Examples Prosper.com

Slide 25: Examples Prosper.com

Slide 26: Examples Zopa.com

Slide 27: Examples Boober.nl

Slide 28: Examples VirginMoney (CircleLending)

Slide 29: Examples Fynanz.com

Slide 30: Examples Boober.nl

Slide 31: Examples BooberWatch.nl

Slide 32: Person-to-person or p2p-lending Is this a disruptive service or a niche market?

Slide 33: Person-to-person or p2p-lending Is this a disruptive service or a niche market?

Slide 34: Person-to-person or p2p-lending Is this a disruptive service or a niche market?

Slide 35: Person-to-person or p2p-lending Is this a disruptive service or a niche market?

Slide 36: Saving & investment

Slide 37: Examples SmartyPig.com

Slide 38: Examples ChipIn.com

Slide 39: Examples LoyaltyMatch.com

Slide 40: Examples SocialPicks.com

Slide 41: Examples Herdstreet (herdst.com)

Slide 42: Examples BullPoo.com

Slide 43: Examples MyFootballClub.co.uk

Slide 44: Money management

Slide 45: Examples Wesabe.com

Slide 46: Examples Wesabe.com

Slide 47: Examples Wesabe.com

Slide 48: Examples Wesabe.com

Slide 49: Examples Wesabe.com

Slide 50: Examples Wesabe.com

Slide 51: Examples Mint.com

Slide 52: Examples Geezeo.com

Slide 53: Examples Mint, Geezeo or Wesabe? (happydollars.blogspot.com)

Slide 54: Examples BillMonk.com

Slide 55: Examples Bill.com (voorheen Cashview)

Slide 56: Examples Bizner/Reeleezee

Slide 57: Examples MoneyStrands + Expensr

Slide 58: Marketing & communication

Slide 59: 20th Century 21st Century Homogenous Customers Fragmented Customers Extreme shifts in: % of population % of population Age Wealth Ethnicity/Culture Customer Segments Lifestage Customer Segments patterns Household composition Value systems Bron: IBM Institute for Business Value Fragmented customers

Slide 60: Trust?

Slide 61: Social networks or online communities

Slide 62: Marketing & communication Where are my customers?

Slide 63: Marketing & Communication Esmee Denters op YouTube

Slide 64: Marketing & Communication MoveOutMoveUp (ING Direct) op YouTube

Slide 65: Marketing & Communication Postbank op YouTube (via Brandbase)

Slide 66: Marketing & Communication Postbank op YouTube (via Marketingfacts)

Slide 67: Marketing & Communication RaboSportTV (eigen channel op YouTube)

Slide 68: Marketing & Communication ING embedded video

Slide 69: Marketing & Communication Postbank WebTV (met ING Embedded Videoplayer)

Slide 70: Marketing & Communication SkyDiver-gadget voor Hyves (Centraal Beheer)

Slide 71: Marketing & communication Online communities

Slide 72: Marketing & Communication Wells Fargo weblogs

Slide 73: Marketing & Communication Wells Fargo “Student LoanDown” weblog

Slide 74: Marketing & Communication Executive Blog Bryan Inch, GM RaboPlus

Slide 75: Marketing & Communication Raboblog.nl

Slide 76: Marketing & Communication Join2grow.biz (Fortis)

Slide 77: Marketing & Communication Flametree (ABN AMRO)

Slide 78: Marketing & Communication Listening to customer

Slide 79: Marketing & Communication Google Labs

Slide 80: Marketing & Communication American Express Labs

Slide 81: Marketing & Communication American Express Account Widget

Slide 82: Marketing & Communication Blackboard (ABN AMRO)

Slide 83: Marketing & Communication Geldwaardering.nl

Slide 84: Marketing & Communication Vanspaarbankveranderen.nl

Slide 85: Marketing & Communication Postbankmoetblijven.nl

Slide 86: Marketing & Communication Bizner (Reeleezee)

Slide 87: Marketing & Communication Bizner (Reeleezee)

Slide 88: Future of banking?

Slide 89: Banking in 2020

Slide 90: 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, info@marketingfacts.nl of 06-27041122