mBank overview

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mBank launch slides, June 2013

Published in: Business, Economy & Finance

mBank overview

  1. 1. Project New mBankJune 2013Perhaps the world’s most innovative online banking
  2. 2. 2Agenda1. Brief overview of Project New mBank2. New mBank innovations and design3. Additional information
  3. 3. 3mBank is the biggest polish online bank and part of the third polishretail banking group – BRE Bank First Polish pure-play online bank founded in 2000 Currently #3 retail bank and the biggest online bank Full retail and SME product range available behindsingle login Launched in Czech Republic and Slovakia in 2007 $10,2B deposits & $11,4B loans at the end of 2012 The third Polish banking group with comprehensivefinancial offer tailored to the needs of corporate clients,Private Banking clients, and retail clients Member of Commerzbank Group ~6 000 employees BRE Retail banking (mBank, MultiBank, mBank Czech Rep.& Slovakia) serves total 4,1M customers11 57310 514Loans Deposits374Net incomeBUSINESS RESULTS[2012 EOY, M USD]BUSINESS RESULTS[2012 EOY, M USD]Source: BRE Bank Investor Relations, Bankier.pl• 3,5 M customers• $8 800 M deposits• $10 900 M loans• 0,17 M customers• $439 M deposits• $88 M loans• 0,44 M customers• $923 M deposits• $458 M loans
  4. 4. 4New mBank – 10 major financial innovations tightly integrated inperhaps the most modern online banking in the world• Modern Design and UserInterface• Personal FinanceManagement• Video chat• Discounts app on Facebook• Gamification• P2P paymentsREAL TIMEMARKETING• Real-time and behavioral offers• Transactional marketing withmerchants• Transactional banking• Geolocation• Mobile paymentsFOUR PILLARS OF NEW mBANK• With >200 team members and budget of$31 M Project New mBank is one of thebiggest financial startups in Europe andthe biggest innovation-driven projectin Polish retail banking for a decade• The Project kicked-off in April 2012• Work has been divided into two stages:• Phase 1 focusing on online banking(launched in Jun 2013)• Phase 2 focusing on mobile banking(work in progress)• Strategic partners include Meniga,Artegence and AccenturePROJECT DETAILS
  5. 5. 5In 14 months joint teams of IT, Business and UX specialistscompletely redesigned the online banking platform, introducing>200 new featuresTeams consisting of IT, businessand UX specialists divided intoten streams worked together oneach part of the project fromdesigning the scope to launchingthe product1050 hours of UX tests withclients and potential users(without UAT and beta tests)Over 400 final UI/UX models(over 1700 draft models)Exploration andinnovationanalysis• Trends• Benchmarks• Experiencefrom mBankUser Experiencestrategy• mBankpersonas• User scenarios• Interactionpoints• UI/UX fornavigationCreativeconcepts• Designing theinterface• Eyetrackingperceptionanalyses• UX concepttestsDesigndevelopment• Navigation andmodel AI design• Multiple UXtests• GUI design• Interactionsand animationsTHE PROCESS OF CREATING NEW mBANKTHE TEAM
  6. 6. 6The launch of Phase 1 in June 2013 was widely acclaimed by themost demanding reviewers – our CustomersPRE-LAUNCH CAMPAIGN(April-June)LAUNCH OF New mBank(June-now)• The campaign focused on education and engagementwith innovative functionalities of new online bankingplatform. Campaign ran over 7 weeks before launch• The youtube videos prepared for the campaign wereviewed >600k times, 12x increase in YT activity• Over 40 ths. customers signed up to obtain access to newplatform• mOKAZJE, the merchant-funded transactional marketingplatform was launched. It reached >50k Facebook appinstalls, making it the third fastest growing app on PolishFB in May• The launch of Phase 1 was combined with rebranding ofmBank• ~200 ths. users signed up to obtain access to newplatform in the first week!• Most active users of mOKAZJE saved ~230$ over first 2months – more than users of any competing moneybackprogram over a year• Journalists and experts wrote about New mBank >700times post launch; >3x more than any other banklaunch/campaign in PolandSource: mBank
  7. 7. 7Our efforts have also been recognized by an international group ofexperts at Finovate Europe 2013 - Best of Show Award• Finovate is the first demo-focusedconference series in financialtechnology organized since 2007• mBank was one of very few banks toreceive the Best of Show Award in thehistory of Finovate• We covered re-designed online bankingand first European implementation oftransactional banking – mOkazje• Demo showcased contributions of ourkey partners: Effigence, Meniga andAccenture• Conferences are held in four cities – SanFrancisco, New York, London, SingaporeSource: Finovate
  8. 8. 8Agenda1. Brief overview of Project New mBank2. New mBank innovations and design3. Additional information
  9. 9. mBank’s re-designed information portal - landing page
  10. 10. Login
  11. 11. Re-invented online banking – landing page
  12. 12. Profile selection – individual or SME
  13. 13. Accounts – PFM enhanced balance history and forecast
  14. 14. Budgets
  15. 15. Deposit wizard – choice through simplicity
  16. 16. Universal statement page – account aggregation, quick search
  17. 17. Google-like quick search feature
  18. 18. Trends analysis
  19. 19. Banking transfers - hub
  20. 20. Banking transfers - domestic
  21. 21. P2P transfers – Facebook or text
  22. 22. Receiving money on Facebook
  23. 23. Address book
  24. 24. Credit and debit card view
  25. 25. Video banking: „Expert Online” – service selection
  26. 26. Video banking: „Expert Online” – advice window
  27. 27. System settings – landing page
  28. 28. System settings– Facebook options
  29. 29. Financial products store: „Market”
  30. 30. Financial products store – product details and purchase
  31. 31. Gamification withing online banking - mGRA
  32. 32. Gamification: „mGRA” – leader board
  33. 33. Logout
  34. 34. Merchant-funded transactional marketing: „mOkazje” - on Facebook
  35. 35. Merchant-funded offers: „mOKAZJE” – cash back statement
  36. 36. Nowymbank.pl – pre-launch campaign HUB 1/2
  37. 37. Nowymbank.pl – pre-launch campaign HUB 2/2
  38. 38. New mBank renders perfectly on smartphones, tablets and…iOS, Android, Windows Phone
  39. 39. … And even on SmartTVs
  40. 40. All that accompanied by bold rebranding
  41. 41. 41Agenda1. Brief overview of Project New mBank2. New mBank innovations and design3. Additional information
  42. 42. 42Additional informationViral videos made to promote New mBank:Mr Button vol. 1 - http://www.youtube.com/watch?v=HmahAyKp2VEMr Button vol. 2 - http://www.youtube.com/watch?v=BU8Xje5WjFwRich media campaign:http://www.youtube.com/watch?v=wyOQmOwPdW4Press releases:http://media.brebank.pl/en/pr/244083/mbank-is-changing-new-logo-transactional-service-expanded-offerOther sources:http://pinterest.com/michalpanowicz/new-mbank-10-most-impactful-financial-innovations-/http://www.youtube.com/user/mbanktvFinovate – http://finovate.com/2013/02/finovateeurope-2013-best-of-show-credit-agricole-etronika-mbankefigence-meniga-moven-pockets-united.htmlForrester - http://blogs.forrester.com/auke_douwe_veenstra/13-02-15-finovate_europe_2013_bank_to_the_futureBanking Tech - http://www.bankingtech.com/66891/finovate-europe-sees-arrival-of-the-old-guard/PR Web - http://www.prweb.com/releases/2013/2/prweb10445589.htmICT Journal - http://www.ictjournal.ch/fr-CH/News/2013/02/14/Huit-innovations-financieres-primees-a-Finnovate.aspxMapa Research - http://www.maparesearch.com/news/article/finovate-day-twoScreen captures of New mBank:New Design – www.youtube.com/watch?feature=player_embedded&v=v98XAI_6XSkSearch engine - www.youtube.com/watch?feature=player_embedded&v=svvxNm0tZqAMoney transfers - www.youtube.com/watch?feature=player_embedded&v=lQ70vSXLTSEPFM - www.youtube.com/watch?feature=player_embedded&v=wmFe2lnaKEYmOKAZJE - www.youtube.com/watch?feature=player_embedded&v=RBVw5k3Sxuw
  43. 43. 43For more information please contact:Michal Panowicz, Managing Director of Project New mBankmichal.panowicz@mbank.plKrzysztof Olszewski, BRE Bank Groups Spokespersonkrzysztof.olszewski@brebank.plMarek Skomorowski, Project New mBank team membermarek.skomorowski@mbank.pl

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