11. โฃ unbundling is happening
โฃ in a network, the value is in the connections, not the nodes
โฃ connect users & ecosystem
โฃ open up your platform
โฃ but own the front-end (UX)
Own the platform, not the nodes
12. This is why the Apple ecosystem, Facebook
(Instagram/Messenger/Whatsapp) and even
P2P chat apps like Snapchat are working hard to
become a platform and an aggregation layer.
13. Facebook owns 4 out of top 5 social networks.
Facebook unbundles itself, driven by dedicated UX.
15. In a digital user-centered world, winners own the
connection with the end-user (UX).
16. Alibaba, the
most valuable
retailer, has no
inventory.
Uber, the
worldโs largest
taxi company,
owns no ๏ฌeet.
AirBnb, the
largest
accommodation
provider owns no
real estate.
Facebook, the
most popular
media owner,
creates no content.
Platform companies, owning the front-end.
18. Thereโs always room for a front-end layer on top.
Banks already own the connection with the end-user.
(For now.)
19.
20. โฃ bitcoins?
โฃ new mobile wallets?
โฃ Bancontact?
โฃ P2P like Transferwise?
โฃ Paypal?
โฃ Facebook credits?
โฃ Sixdots?
Payment systems will become โdumb pipesโ (see Telco).
Who knows which payment system will win?
21. Telco escaping โdumb pipesโ:
Rebundle with focus on UX: Invest in services (content):
22. Own the platform, not the nodes
bitcoins wallets p2p snapcash โฆ
SWIFT
Avoid the dumb pipes by building UX & services.
Uni๏ฌed banking front-end (UX)
API
23. โฃ make banking API-based
โฃ surpass the dumb pipes
โฃ build a component-based model
โฃ โBanking As A Serviceโ
โฃ add value in the services for end-users
โฃ build a superior front-end (UX)
Become the BAAS
24. Banks have the unique opportunity to own the front-end.
Reduce the pain of navigating a fragmented experience.
Build an excellent user experience.
Rebundle an unbundling landscape by superior UX.
27. โJobs to be doneโ
Why is the user โhiringโ your service?
28. Donโt focus on the product. Get closer to the transaction.
โฃ I want to buy shoes (not handle the debit card).
โฃ I want to own a home (not take out a loan).
โฃ I want to manage my budget (not look at my account).
Build the User Experience around the transaction.
Understand the ๏ฌnal need of the user
30. โฃ Decentralise your network.
โฃ Obviously: all digital channels.
โฃ (OMG! Thereโs still doubt around responsive/mobile?)
โฃ Forget: โmoney in branchesโ.
โฃ Branches are useful for distribution of UX, not cash.
โฃ Banking is no longer somewhere you go, but something you do.
โฃ Cloud based - no o๏ฌce needed!
Be where the user is
31. Why not have digital nomad bankers
moving from co-working space to
co-working space?
33. It shows youโre still thinking
in siloed channels.
Stop using the word โomnichannelโ.
It's like having a โmulti-
counter strategyโโฆ
34. Digital does not mean โcomputer-
onlyโ.
The human smile is needed!
Embed humans in the interface.โจ
Make the user experience as
human as possible.
(Iโm betting on video, videochat and live
streaming.)
38. Data transforms into information or advertising,
depending on the context of the consumer.
The age of context
39. If I want to buy a car, and I ๏ฌnd a bunch of paper
advertising for diapers in my mailbox - they go
straight into the bin.
If I want to buy a car, and I ๏ฌnd a bunch of paper
advertising for cars in my mailbox - I take them with
me to the couch and read them all night.
The age of context
40. Data transforms into information or advertising,
depending on the context of the consumer.
The age of context
41. The age of context
spam advertising info
less context more context
42. โฃ demographic (segmentation)
โฃ search word
โฃ location
โฃ friends
โฃ browser history
โฃ activity (work, home, bar)
โฃ โฆ
The age of context
44. Context is ambient
Not just segmentation or personalisation.
Context is in the sensors of objects surrounding us -
our personal data cloud.
Internet of things: how users are signaling their
context.
60. Waar is God?
God is overal: in de hemel, op aarde en op alle plaatsen.
Ziet en weet God alles? โจ
God ziet alles, zelfs onze geheimste gedachten; Hij weet alles,
ook de toekomende dingen.
Omnichannel Cloud
Contextual
Privacy
Predictive
Data-driven
Mechelse Catechismus: