MY DIGITAL BANKING NIRVANA - JIM MAROUS

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My Next Bank Sydney 2013 Presentation on 11/21/13 showing the best global mobile and online banking examples.

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MY DIGITAL BANKING NIRVANA - JIM MAROUS

  1. 1. MY DIGITAL BANKING NIRVANA (AS OF NOVEMBER 21, 2013) JIM MAROUS BANK MARKETING STRATEGY BLOG
  2. 2. nir·va·na noun nir-ˈvä-nə,  the state of perfect happiness and peace where there is release from all forms of suffering  a state or place of great happiness and peace Merriam-Webster Dictionary Page 2
  3. 3. MY DIGITAL BANKING NIRVANA Simple Page 3 Engaging Contextual
  4. 4. EASY ACCOUNT OPENING Mobile Photo Account Opening™ uses Mitek's new mobile imaging platform to capture the front and back of a driver’s license, eliminating error prone data entry by the customer or in the branch . Page 4
  5. 5. NO MORE PASSWORDS SureSwipe is Capital One's new Pattern login feature that allows Card customers to sign into the mobile app with a quick custom pattern instead of an alpha numeric password. Page 5
  6. 6. SIMPLIFIED MOBILE BANKING Page 6
  7. 7. IMMEDIATE BALANCES The GoBank Balance Bar provides instant balance information without password login. According to Mapa Research, 18% of banks globally have removed the need to login at all to see account balances. Commonwealth Bank’s pre-login balance was voted as the favorite feature of Kaching. Page 7
  8. 8. UNIQUE MOBILE ENGAGEMENT Page 8
  9. 9. RELATIONSHIP BALANCES As opposed to just showing a single balance pre-login, Bank of New Zealand provides the balances on all of the customer’s accounts. Page 9
  10. 10. BRANCH/ATM FINDER Augmented reality app from PNC Bank allows customer to easily find closest branch or ATM. Page 10
  11. 11. VOICE-DRIVEN BANKING USAA’S Virtual Assistant, powered by Nuance Communication, lets members speak their banking commands, including bill payments, through the app. The enhancement is designed to require fewer steps to complete financial tasks than typed answers. Page 11
  12. 12. ENHANCED iPAD SUPPORT BBVA Compass was one of the first U.S. banks to allow customers to sign up for mobile banking without requiring them to sign up for online banking first. They are still one of the few with a dedicated iPad app. Page 12
  13. 13. DIGITAL RECEIPTS Moven provides real-time digital receipts for debit and mobile payment transactions. These receipts include alerts, categorization and comparison to historical spending. Page 13
  14. 14. PHOTO RECEIPTS Simple allows customer to not only view receipts, but also attach pictures to their transactions. Their overall interface is one of the cleanest in the industry. They also integrate a ‘safe-to-spend’ function that combines budget with transaction behavior. Page 14
  15. 15. SPENDING ASSISTANT GoBank provides a very lighthearted way of helping to avoid overspending based on budget function with their ‘Fortune Teller’. Page 15
  16. 16. CUSTOM ALERTS GoBank has a very simple way to set more than 10 different alerts to be delivered to the channel(s) of your choice. Page 16
  17. 17. CONSOLIDATED SALES & SERVICE USAA integrates sales within their mobile app on the start-up page and throughout the entire experience. Page 17
  18. 18. SIMPLIFIED PAYMENTS Kaching provides as many payment options as any bank worldwide, including ability to pay bills with QR codes, make Bump P2P payments and even payments through Facebook. Page 18
  19. 19. UNIVERSAL P2P Square has recently introduced a new way to pay friends. With Square Cash, sending money is as easy as sending an email. No passwords, no sign-up, no hassle. Page 19
  20. 20. TRANSACTION SEARCH mBank’s smart transaction search engine makes a search through your transaction history as easy as using Google on the internet, with results displayed in real time Page 20
  21. 21. LOCATIONAL REWARDS Amex serves cardmembers rewards based on their locations, should they wish to use the geo-location service. The feature, called My Offers combines Amex spend history with location information to provide discounts and information of nearby merchants. In turn, customers click the deals they want. Page 21
  22. 22. VISUALIZED PFM MoneyDesktop takes consolidated PFM insight and builds visualized tools to assist in money management. GuideMe clearly presents financial goals by implementing a similar approach to the company’s patented BubbleBudget concept, allowing account holders to track progress within each individual goal while visualizing the immediate importance of each long-term objective based on variable size and location on the tool’s virtual time line. Page 22
  23. 23. FINANCIAL WELLNESS Moven’s Cred score • Monitors your finances • Provides comparison to others • Gives you feedback about your progress and how you can improve • Rewards you for being financially fit • Helps you spend, save, and live smarter Page 23
  24. 24. GAMIFICATION mBank’s gamification in the bank’s transactional service to encourage smart spending and saving Page 24
  25. 25. AUGMENTED REALITY MORTGAGE Page 25
  26. 26. SMALL BUSINESS ANZ FastPay was Australia’s first mobile payment App to offer small business owners same day settlement of merchant payments to an ANZ account using an iPhone or iPad. Page 26
  27. 27. WEARABLE BANKING Banco Sabadell is the first bank in the world to present its own app for Google Glass. The app allows the customer to find branches and ATMs, check balances and supports video conferencing. Apps were developed using an open app innovation program. Page 27
  28. 28. WEARABLE BANKING The SmartWatch app is based on Westpac’s Cash Tank app that allows customers to get balances without any authentication. Westpac is now working to offer customers quick transfers between their bank accounts and the ability to receive account alerts to the watch. Page 28
  29. 29. PLASTIC TO REPLACE MY PLASTIC Page 29
  30. 30. CHANNEL INTEGRATION: BOOK AN APPOINTMENT ING Belgium: customers can book an appointment with a specific agent in branch via their mobile app Page 30
  31. 31. INTEGRATED BRANCHES NAB’s new “Smart Store” design, where tellers are replaced by a variety of self service digital interfaces Page 31
  32. 32. INTEGRATED BRANCHES NAB’s new “Smart Store” design, where tellers are replaced by a variety of self service digital interfaces Page 32
  33. 33. INTEGRATED BRANCHES NAB’s new “Smart Store” design, where tellers are replaced by a variety of self service digital interfaces Page 33
  34. 34. INTEGRATED BRANCHES NAB’s new “Smart Store” design, where tellers are replaced by a variety of self service digital interfaces Page 34
  35. 35. INNOVATION Page 35
  36. 36. THE FUTURE MORE CONNECTIONS, MORE DEVICES Page 36
  37. 37. Thank You Jim Marous 011-216-218-4257 jmarous@newcontrol.com Bank Marketing Strategy Blog wwwjimmarous.blogspot.com Page 37

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