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Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
Smartphone Banking Launch by a Leading Bank in Greece
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Smartphone Banking Launch by a Leading Bank in Greece

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Presentation given online at "The World of Mobile Banking 2011", organized by Kakushin Group, 29 November 2011

Presentation given online at "The World of Mobile Banking 2011", organized by Kakushin Group, 29 November 2011

Published in: Economy & Finance, Business
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  • 1. SMARTPHONE BANKING LAUNCHBY A LEADING BANK IN GREECE • How we started, where we are now, how we stand against our competition • Dilemmas, trials-and-errors, mistakes and successes • The results so far and the lessons learned • Going ahead: next steps • Questions & AnswersSOTIRIS SIRMAKEZIS |DEPUTY GENERAL MANAGER | eBUSINESS SECTOR | PIRAEUS BANK
  • 2. THE ACTUAL AGENDA1 OUR BACKGROUND: PIRAEUS BANK & WINBANK2 GETTING THERE: THE DAYS BEFORE SMARTPHONES3 WATCHING THE COMPETITION4 OUR ATTITUDE AGAINST MOBILE BANKING5 IMPLEMENTATION: MISTAKES & LESSONS LEARNT6 LAUNCH: RESULTS & EVALUATION7 FUTURE DEVELOPMENTS
  • 3. OUR BACKGROUND: PIRAEUS BANK & WINBANK OUR BACKGROUND: PIRAOUR BACKGROUND: PIRAEUS BANK & WINBANK OUR BACKGROUND: PIRA ROUND: PIRAEUS BANK & WINBANK OUR BACKGROUND: PIRAEUS BANK ACKGROUND: PIRAEUS BANK & WINBANK OUR BACKGROUND: PIRAEUS BPIRAEUS BANK & WINBANK OUR BACKGROUND: PIRAEUS BANK & WINBA CKGROUND: PIRAEUS BANK & WINBANK OUR BACKGROUND: PIRAEUS BAAEUS BANK & WINBANK OUR BACKGROUND: PIRAEUS BANK & WINBANK & WINBANK OUR BACKGROUND: PIRAEUS BANK & WINBANK OUR BACK IRAEUS BANK & WINBANK OUR BACKGROUND: PIRAEUS BANK & WINBA BANK OUR BACKGROUND: PIRAEUS BANK & WINBANK OUR BACKGROUN OUND: PIRAEUS BANK & WINBANK OUR BACKGROUND: PIRAEUS BANK &D: PIRAEUS BANK & WINBANK OUR BACKGROUND: PIRAEUS BANK & WIN OUR BACKGROUND: PIRAEUS BANK & WINBANK OUR BACKGROUND: P GROUND: PIRAEUS BANK & WINBANK OUR BACKGROUND: PIRAEUS BANK BACKGROUND: PIRAEUS BANK & WINBANK OUR BACKGROUND: PIRAEU UND: PIRAEUS BANK & WINBANK OUR BACKGROUND: PIRAEUS BANK &
  • 4. Sotiris Sirmakezis Deputy General Manager87, Sygrou Ave., 117 45 Athens, Hellas, Tel.: +30 210 9294065Fax: +30 210 9294020, e-mail: sirmakezis@winbank.gr DIRECT SERVICES Sotiris Sirmakezis Managing Director 8, Gamveta St., 114 50 Athens, Hellas. Tel.: +30 210 9294065 Fax: +30 210 9294020, e-mail: sirmakezis@winbank.gr
  • 5. Piraeus Group timeline International Piraeus Tirana Marathon Piraeus Piraeus Piraeus Piraeus Piraeus London Bank Bank, Bank, Bank Bank Bank Bank ICB Bank branch Bulgaria Albania USA Romania Egypt Beograd Ukraine Cyprus 1996 - 1999 2000 - 2003 2004 - 2008 2009 - 2011 Establishment Processes and IT Strong Domestic Franchise Weathering the of „critical mass‟ Harmonization International Expansion Economic Crisis 1916 1918 1991 1993 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Macedonia Merger ofFoundation Piraeus Credit Agreement Agreement Listing Chase - National Piraeus,of Piraeus Bank Lyonnais Xiosbank ETBAbank with BNP with Victoria on ATHEX Manhattan Thrace Westminster Macedonia Bank Privatisation Hellas Wealth Mngt Ins. (Ergo) Bank Thrace, Xios Domestic 5
  • 6. Building the Electronic “Bank” Mutual Consumer Credit Funds Loans Cards Investments Mortgage Loans Stocks Every new device & channel, BillDeposits every new product & service Payments adds VALUE to our RELATIONSHIP Remittances Mass with our CUSTOMER Large Retail Corporate Affluent Private Small SME Banking Gen-Y Business
  • 7. Web Banking Cards Online Mobile BankingCHANNELS PERSONAL BUSINESS INTERNET SMARTPHONE ONLINE STOCK BROKERAGE MOBILE BROWSER IVR MULTI-COUNTRY x 6 TEXT / SMS ATM Network Phone Banking easypay kiosks BRANCH AGENT CASH PAYMENTS OFF-SITE IVR TICKETS, PASSBOOKS Debit Card paycenter easypay web ATM PHONE ONLINE SHOPS www.easypay.gr EFT/POS TELLER CALL CENTERS 18-28-38SERVICES weBuy Prepaid SEPA Direct Debits easypay mobile Alerts Air-time Top-Up Instant Cash TEXT / SMS ALL OPERATORS ATM E-MAIL ALL VALUES PHONE PHONE CALL ALL CHANNELS WEB NOTIFICATION SMARTPHONE
  • 8. Public Web Sites Social Media Banner Campaign OptimizationINTERACTIVE INFORMATION ARCHITECTURE FACEBOOK MARKETING CONTENT MANAGEMENT PAGE DESIGN TWITTER Online SEARCH ENGINE OPTIMIZATION Reputation YOUTUBE Management GREECE & ABROAD FLICKR Search Engine BANK & AFFILIATES Marketing Direct Public Web SitesONLINE SALES www.winbankdirect.gr www.piraeusbank.xx  18-200 DESIGN – SEO - WCMS
  • 9. The winbank timeline air-time top-up 2006 alerts on accounts 2002 winbank direct 2010 easypay machines easyPassbook internet banking ATM personalization2000 phone banking mobile banking extraPIN SMS 2004 ATM easyticketing 2008 Visa Direct browser-based mobile banking 2000 2012 winbank “international” paycenter 2005 2001 winweb 2009 internet banking v2 www.easypay.gr social media www.winlife.gr winbank for cards Vodafone easypay extraPIN Generator 2011 2007 alerts πιςτωτικών καρτών 2003 weBuy Prepaid MasterCard smartphone winlife Visa credit card Instant cash banking www.syndromes.gr
  • 10. Quality: 3rd-party evaluation Greece Europe World The Pan-european Microsoft Worldwide Banking Technology Innovation Award Awards European Financial Marketing Association Innovation Award 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011
  • 11. E: THE DAYS BEFORE SMARTPHONES GETTING THERE: THE DAYS BEFORE S GETTING THERE: THE DAYS BEFORE SMARTPHONES GETTING THERE: THEHE DAYS BEFORE SMARTPHONES GETTING THERE: THE DAYS BEFORE SMARNG THERE: THE DAYS BEFORE SMARTPHONES GETTING THERE: THE DAYS BHE DAYS BEFORE SMARTPHONES GETTING THERE: THE DAYS BEFORE SMAG THERE: THE DAYS BEFORE SMARTPHONES GETTING THERE: THE DAYS BE AYS BEFORE SMARTPHONES GETTING THERE: THE DAYS BEFORE SMARTPH TING THERE: THE DAYS BEFORE SMARTPHONES GETTING THERE: THE DAYS EFORE SMARTPHONES GETTING THERE: THE DAYS BEFORE SMARTPHONE GETTING THERE: THE DAYS BEFORE SMARTPHONES GETTING THERE: THE ARTPHONES GETTING THERE: THE DAYS BEFORE SMARTPHONES GETTING NES GETTING THERE: THE DAYS BEFORE SMARTPHONES GETTING THERE: GETTING THERE: THE DAYS BEFORE SMARTPHONES GETTING THERE: THEHERE: THE DAYS BEFORE SMARTPHONES GETTING THERE: THE DAYS BEFORTING THERE: THE DAYS BEFORE SMARTPHONES GETTING THERE: THE DAYSRE SMARTPHONES GETTING THERE: THE DAYS BEFORE SMARTPHONES
  • 12. 2000-2002: WAP> AWFUL USER EXPERIENCE, JUST A FEW DEVICES> CUSTOMERS NOT READY FOR MOBILE BANKING> OFFERING: NOT ATTRACTIVE AT ALL> JUST AN EXCUSE TO SAY “MULTI-CHANNEL”
  • 13. 2004: BROWSER-BASED> SPECIAL VERSION OF INTERNET BANKING> A SUBSET OF THE FUNCTIONALITY> VERY SIMPLE USER INTERFACE> WORKS ON ALL WINDOWS PHONES
  • 14. WATCHING THE COMPETITION WATCHING THE COMPETITION WATCHING CHING THE COMPETITION WATCHING THE COMPETITION WATCHING THE WATCHING THE COMPETITION WATCHING THE COMPETITION WATCHING COMPETITION WATCHING THE COMPETITION WATCHING THE COMPETITNG THE COMPETITION WATCHING THE COMPETITION WATCHING THE COMN WATCHING THE COMPETITION WATCHING THE COMPETITION WATCHIN CHING THE COMPETITION WATCHING THE COMPETITION WATCHING THE ETITION WATCHING THE COMPETITION WATCHING THE COMPETITION WAHE COMPETITION WATCHING THE COMPETITION WATCHING THE COMPETHE COMPETITION WATCHING THE COMPETITION WATCHING THE COMPETING THE COMPETITION WATCHING THE COMPETITION WATCHING THE COM ING THE COMPETITION WATCHING THE COMPETITION WATCHING THE COATCHING THE COMPETITION WATCHING THE COMPETITION WATCHING THG THE COMPETITION WATCHING THE COMPETITION WATCHING THE COMCOMPETITION WATCHING THE COMPETITION WATCHING THE COMPETITIOCHING THE COMPETITION WATCHING THE COMPETITION WATCHING THE
  • 15. THE USUAL SITUATION> PIRAEUS BANK IS THE LEADER> PIRAEUS BANK EXPERIMENTS> COMPETITION EVALUATES AND FOLLOWS> PIRAEUS BANK INNOVATES AGAIN> COMPETITION FOLLOWS – AND SO ON…
  • 16. THE OUTSIDER> 1ST APP: NATIONAL BANK OF GREECE> NBG LAGS BEHIND IN WEB BANKING> VERY SIMPLE APP, POOR FUNCTIONALITY> BUT:POSITIVE REACTIONS BY CUSTOMERS> A LOT OF ABOVE-THE-LINE PROMOTION
  • 17. THE USUAL SUSPECT> 2ND APP: EUROBANK> NO.2 IN WEB BANKING, COMPETITIVE> NICE APP, ALL PLATFORMS> POSITIVE REACTIONS BY CUSTOMERS> A LOT OF ABOVE-THE-LINE PROMOTION
  • 18. ALL OTHERS…
  • 19. WHILE WATCHING…> WAITING FOR NEW WEB BANKING PLATFORM> DECIDING ON WHAT TECHNOLOGY TO USE> THINKING ON WHAT TO LAUNCH FIRST> TRYING TO FIGURE OUT THE “PERFECT” APP> LOSING THE CHANCE TO LEARN ON MISTAKES…
  • 20. WHILE WATCHING…> FORMULATING OUR BELIEFS> CONCLUDING WITH DESIGN PRINCIPLES> CRYSTALIZING OUR STRATEGY> PLANNING OUR PROJECT> GETTING READY TO ATTACK THE COMPETITION!
  • 21. TITUDE AGAINST MOBILE BANKING OUR ATTITUDE AGAINST MOBILE BAN OUR ATTITUDE AGAINST MOBILE BANKING OUR ATTITUDE AGAINST MOB ATTITUDE AGAINST MOBILE BANKING OUR ATTITUDE AGAINST MOBILE BTTITUDE AGAINST MOBILE BANKING OUR ATTITUDE AGAINST MOBILE BAN DE AGAINST MOBILE BANKING OUR ATTITUDE AGAINST MOBILE BANKINGTITUDE AGAINST MOBILE BANKING OUR ATTITUDE AGAINST MOBILE BANGAINST MOBILE BANKING OUR ATTITUDE AGAINST MOBILE BANKINGR ATTITUDE AGAINST MOBILE BANKING OUR ATTITUDE AGAINST MOBILEAINST MOBILE BANKING OUR ATTITUDE AGAINST MOBILE BANKING OURUR ATTITUDE AGAINST MOBILE BANKING OUR ATTITUDE AGAINST MOBIL E AGAINST MOBILE BANKING OUR ATTITUDE AGAINST MOBILE BANKING NKING OUR ATTITUDE AGAINST MOBILE BANKING OUR ATTITUDE AGAINS MOBILE BANKING OUR ATTITUDE AGAINST MOBILE BANKING OUR ATTIT ATTITUDE AGAINST MOBILE BANKING OUR ATTITUDE AGAINST MOBILE BNKING OUR ATTITUDE AGAINST MOBILE BANKING OUR ATTITUDE AGAINST NST MOBILE BANKING OUR ATTITUDE AGAINST MOBILE BANKING OUR A
  • 22. THE MOBILE-CENTRIC ACCOUNT SMS BANKING LOAD HELP AIR-TIME send DESK text talk send text ONE-TIME get MOBILE talk PHONE PASSWORD text ACCOUNT BANKING get touch text touch ALERT BILL PAYMENT BANKING & TRADING
  • 23. MOBILE OBJECTIVES FOLLOWOVERALL BUSINESS OBJECTIVES INCREASE REVENUES & REDUCE COSTS• INCREASE REVENUES • Increase number of customers • Drive new customer acquisition • Increase customer retention and loyalty • Increase audience size or page views • Improve lead qualification • Grow revenue per customer • Drive sales with offers • Improve branding • Increase shopping frequency • Cross-sell / Up-sell @ Point-Of-Sale • Improve customer service
  • 24. MOBILE OBJECTIVES FOLLOWOVERALL BUSINESS OBJECTIVES• REDUCE COST • Reduce design cost • Reduce development time with quicker testing cycles • Reduce product cost • Minimize personnel/machine cost associated with paper products • Reduce marketing cost • More effective or targeted marketing • Reduce distribution cost • More accurate physical inventory counts • Reduce sales cost • Reduce need for physical displays • Reduce customer service cost • Utilize SMS for short pieces of information
  • 25. BUT… MOBILE CHANGES NOTHING (?)> EVERYONE WILL OFFER IT…  NO MARKET SHARE GAINED> EVERYONE WILL PRICE IT THE SAME…  NO INCREMENTAL PROFITS> CUSTOMERS WILL EXPECT IT…  NO IMPROVED CUSTOMER SATISFACTION
  • 26. A BETTERMOBILE IS THE NEW ONLINE> MOBILE KNOWS WHERE YOU ARE> MOBILE IS WITH YOU ALL THE TIME> MOBILE HAS A VOICE OPTION (…)> MOBILE CAN BE MORE SECURE> MOBILE CAN INTERRUPT YOU (TEXT MSG, NOTIFICATION)> MOBILE CAN USE THE ACCELEROMETER (shake to login)> MOBILE HAS A CAMERA AND AN INPUT DEVICE> MOBILE WILL COMMUNICATE THROUGH NFC> MOBILE WILL ALLOW YOU TO PAY @ POS
  • 27. WITH MOBILE USERS IN MIND
  • 28. QUESTIONS TO BE ASKED> HOW MANY USERS TO REACH?> WHAT WILL OUR MOBILE UX BE?> HOW WILL WE DELIVER/SUPPORT OUR APP?> ARE ON-DEVICE H/W CAPABILITIES NEEDED?> IS NUMBER OF MOBILE USERS PREDICTABLE?> WHAT’S THE APPLICATION’S DUTY CYCLE?
  • 29. OPINIONS> THE CLOUD IS ENDING PC’s REIGN AS A DEVICE> PEOPLE SPEND MORE TIME ON MOBILE PHONES THAN ON THE WEB> NEW SMARTPHONE SALES ARE LARGER THAN NEW PC SALES> MOBILEBANKING WILL REPLACE PC-BANKING FOR INDIVIDUALS
  • 30. MENTATION: MISTAKES & LESSONS LEARNT IMPLEMENTATION: MISTAKES & IMPLEMENTATION: MISTAKES & LESSONS LEARNT IMPLEMENTATION: MI STAKES & LESSONS LEARNT IMPLEMENTATION: MISTAKES & LESSONS LEAMENTATION: MISTAKES & LESSONS LEARNT IMPLEMENTATION: MISTAKES ATION: MISTAKES & LESSONS LEARNT IMPLEMENTATION: MISTAKES & LES NT IMPLEMENTATION: MISTAKES & LESSONS LEARNT IMPLEMENTATION: ON: MISTAKES & LESSONS LEARNT IMPLEMENTATION: MISTAKES & LESSO LEMENTATION: MISTAKES & LESSONS LEARNT IMPLEMENTATION: MISTAK ONS LEARNT IMPLEMENTATION: MISTAKES & LESSONS LEARNT IMPLEMEMPLEMENTATION: MISTAKES & LESSONS LEARNT IMPLEMENTATION: MISTA TION: MISTAKES & LESSONS LEARNT IMPLEMENTATION: MISTAKES & LESS NS LEARNT IMPLEMENTATION: MISTAKES & LESSONS LEARNT IMPLEMENTTAKES & LESSONS LEARNT IMPLEMENTATION: MISTAKES & LESSONS LEARN IMPLEMENTATION: MISTAKES & LESSONS LEARNT IMPLEMENTATION: MINTATION: MISTAKES & LESSONS LEARNT IMPLEMENTATION: MISTAKES & L LESSONS LEARNT IMPLEMENTATION: MISTAKES & LESSONS LEARNT IMPL
  • 31. DILEMMAS> WHAT TECHNOLOGY TO USE: NATIVE APP? WEB APP? HYBRID?> WHICH APPLICATION TO LAUNCH FIRST: PURE MOBILE BANKING OR AN “INNOVATIVE” ONE?> WHICH PLATFORMS TO GO FOR: ONLY iPHONE? ANDROID AS WELL? BLACKBERRY?> HOW TO BRAND THE NEW SERVICE(S)> WHAT USER INTERFACE TO USE
  • 32. 1ST DECISION DON’T LAUNCH MOBILE BANKING. EVERYBODY ELSE HAS DONE SO. LET’S INNOVATE. GO FOR “INSTANT CASH” APP!
  • 33. 2ND DECISION NO TIME TO GO FOR ALL PLATFORMS ANYWAY, iPHONE OWNERS ARE MORE THAN ANDROID OWNERS LET’S FOR FOR iPHONE ONLY!
  • 34. winbank INSTANT CASH
  • 35. winbank INSTANT CASH
  • 36. winbank INSTANT CASH
  • 37. 1ST DECISION DON’T LAUNCH MOBILE BANKING. EVERYBODY ELSE HAS DONE SO. LET’S INNOVATE. GO FOR “INSTANT CASH” APP! USERS DESPERATELY LOOKING FOR MOBILE BANKING
  • 38. 2ND DECISION NO TIME TO GO FOR ALL PLATFORMS ANYWAY, iPHONE OWNERS ARE MORE THAN ANDROID OWNERS LET’S FOR FOR iPHONE ONLY!BY THE TIME, ANDROID USERS WERE MORE THAN THE iPHONE ONES (AND MORE SOPHISTICATED)
  • 39. WRONG DECISIONS… …LEAD TO UNPLEASANT RESULTS: A LOT OF ANGRY COMMENTS ON iTUNES STORE …(CAN) WORK AS LESSONS: DON’T REPEAT THE SAME MISTAKE
  • 40. CALL FOR ACTION! COMPLETE MOBILE BANKING APP INTRODUCE A REALLY INNOVATIVE APP GO FOR ANDROID AT THE SAME TIME 1 APP  6 APPS!
  • 41. winbank MOBILE
  • 42. winbank MOBILE
  • 43. winbank MOBILE
  • 44. winbank MOBILE
  • 45. winbank easypay
  • 46. winbank easypay
  • 47. winbank easypay
  • 48. H: RESULTS & EVALUATION LAUNCH: RESULTS & EVALUATION LAUNCH: RES LAUNCH: RESULTS & EVALUATION LAUNCH: RESULTS & EVALUATION LAUNON LAUNCH: RESULTS & EVALUATION LAUNCH: RESULTS & EVALUATION LA H: RESULTS & EVALUATION LAUNCH: RESULTS & EVALUATION LAUNCH: RE SULTS & EVALUATION LAUNCH: RESULTS & EVALUATION LAUNCH: RESULTS H: RESULTS & EVALUATION LAUNCH: RESULTS & EVALUATION LAUNCH: RE ALUATION LAUNCH: RESULTS & EVALUATION LAUNCH: RESULTS & EVALUA RESULTS & EVALUATION LAUNCH: RESULTS & EVALUATION LAUNCH: RESUVALUATION LAUNCH: RESULTS & EVALUATION LAUNCH: RESULTS & EVALUA AUNCH: RESULTS & EVALUATION LAUNCH: RESULTS & EVALUATION LAUNCULTS & EVALUATION LAUNCH: RESULTS & EVALUATION LAUNCH: RESULTSTION LAUNCH: RESULTS & EVALUATION LAUNCH: RESULTS & EVALUATIONALUATION LAUNCH: RESULTS & EVALUATION LAUNCH: RESULTS & EVALUAT LAUNCH: RESULTS & EVALUATION LAUNCH: RESULTS & EVALUATION LAUN ALUATION LAUNCH: RESULTS & EVALUATION LAUNCH: RESULTS & EVALUA LUATION LAUNCH: RESULTS & EVALUATION LAUNCH: RESULTS & EVALUAT
  • 49. TV CAMPAIGN: INSTANT CASHSTEP 1 STEP 2 STEP 3 STEP 4
  • 50. TV PACKSHOT: MOBILE BANKING
  • 51. TV COMMERCIAL: EASYPAY
  • 52. iTUNES RATINGS: MOBILE BANKING
  • 53. FACEBOOK COMMENTS: easypay
  • 54. TWITTER COMMENTS: all apps
  • 55. THE SMARTPHONE-CENTRIC ACCOUNT ONE-TIME LOAD AIR-TIME SMS BANKING PASSWORD HELP ALERT DESK SMART- BANKING PHONE PHONE & TRADING BANKING ACCOUNT BILL PAYMENT PAY@SHOP SCAN BILL & PAY (NFC) LOCATE ATM CASH SEND (AUGMENTED WITHDRAWAL MONEY REALITY)
  • 56. > WINBANK MOBILE > RICH iPAD APP > MORE FUNCTIONALITY (e.g. LOAD PREPAID CARD) > UNIQUE APP w/ COMPLETE FUNCTIONALITY > ALERTS AS NOTIFICATIONS
  • 57. WINBANK EASYPAY: > MORE PAYMENT OPTIONS (MORE BILLERS) > HYBRID APP OR HTML5 (100’s OF PAYMENTS) > TAKE PHOTO OF CREDIT CARD IN ORDER TO PAY
  • 58. > ALL APPS > OPTIMIZATION FOR TABLETS > BRANCH/ATM LOCATOR: AUGMENTED REALITY
  • 59. “You can‟t just askcustomerswhat they want andthen try to givethat to them.By the time you get itbuilt, they‟ll wantsomething new.”STEVE JOBSCEO, APPLE CHRISTOS SIRMAKEZIS
  • 60. STEP 2: SELECT POST CATEGORIES FORWe have just started…OURINFO CENTER & BLOG BASED ON KEYWORD STRATEGY
  • 61. 1OYEARSMISSION : :IMPOSSIBLE ?MISSION e-POSSIBLE !

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