Banking trends

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Innovative banking design trends around the world

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Banking trends

  1. 1. THE DIGITAL OPPORTUNITY IN AFRICA PREPARED FOR: FJORD MAY 2012 QuickTime™ and a decompressor are needed to see this picture.Private & Confidential 8digital (Pty) Ltd Nov 2012
  2. 2. fabrik8 We at fabrik8 have firmly established ourselves as a pre-eminent and reliable specialist agency that provides branding, event branding, 3D design (retails store design), marketing communication, digital communication, strategy and design. We integrate strategic thinking with creative execution and focus on brand development and positioning, rather than tactical campaigns that do little for brand or bottom line growth. We are design gurus and Africa specialists with an appetite for challenge. We have the skills, experience and infrastructure to deliver in every African Country. We have designed and created 3D spaces and rolled out over 300 stores across Africa. QuickTime™ and a decompressor are needed to see this picture.Private & Confidential 8digital (Pty) Ltd Nov 2012
  3. 3. Trends in banking around the world Ziraat Bank has what it claims is the first tellerless branch network in Turkey. The modular, freestanding unstaffed units — dubbed VTMs — use videoconferencing technology to connect customers with tellers at the bank’s contact center. The system allows customers to deposit and withdraw money, buy and sell foreign exchange, pay bills, transfer money and buy bonds but does not allow a customer to requests loans. VTMs also serves non-customers, allowing them to pay bills and transfer money through Ziraat’s system free of charge. Ziraat keeps its VTMs open 24 hours a day, 7 days a week, 365 days a year. The bank says that a normal teller could on average perform 76 transactions in a day, whereas with this system this number has increased to 140. The bank is looking to deploy as many as 1,000 units. Ziraat Bank — which translates from Turkish as “agricultural bank” — serves a mostly rural and residential audience. QuickTime™ and a decompressor are needed to see this picture.Private & Confidential 8digital (Pty) Ltd Nov 2012
  4. 4. Trends in banking around the world In July, Virgin Money opened their very first new banking store in Guildford, Surrey. The new store replaces a previous Northern Rock branch, with plans in place to transform the entire network of Northern Rock branches (about 75 in total) to Virgin Money Stores. Virgin Money Stores feature free WiFi, iPads and iMacs, and a “no hard-sell policy” adopted by staff. “Customers can simply come in, take the weight off their feet, enjoy a cup of tea and use our free facilities,” explained Kerry Merrington, Manager of the Guildford Store. QuickTime™ and a decompressor are needed to see this picture.Private & Confidential 8digital (Pty) Ltd Nov 2012
  5. 5. Trends in banking around the world Community Bank wanted a branch design that bridged its on- and offline brand experience. Their new, flagship branch is located along Beach Drive in St. Petersburg, Florida. The floor plan establishes five specific zones: Teller Zone, Sales & Advice Zone, Dwell Zone, Community Zone and Brand Zone. Programmable LED lights splash onto an snow white canvas of gently curving forms, a touch designers say was inspired by Apple products. They also say (and this is a quote) that the display becomes “a visual barometer for the company’s brand, mood, social awareness and public relations.” It’s reminiscent of what a few other banks have tried in the past, most notably Raiffeisen in Switzerland and Chebanca in Italy. QuickTime™ and a decompressor are needed to see this picture.Private & Confidential 8digital (Pty) Ltd Nov 2012
  6. 6. Trends in banking around the world The merger of Itaú and Unibanco has made it the largest bank in the Southern Hemisphere with nearly 5,000 branches. To complete the union of the two banks a redesign of the network of branches under the Itaú brand was required. The most significant change was to make the exterior and entrance of the new branches much more inviting and easier to enter. Revolving metal detector doors were removed and the branded fascia was given a 3D treatment. A Q-matic system was introduced into a waiting area for customers to relax and browse the interactive digital product wall while waiting to be served. Customer segmentation was enhanced by separate areas for Attendimento/Gerencia, Uniclass and Negúcios customers through different colors, furnishings and materials. Lightweight screens and friendlier customer furniture support the relationship-focused strategy as well as improve privacy. QuickTime™ and a decompressor are needed to see this picture.Private & Confidential 8digital (Pty) Ltd Nov 2012
  7. 7. Trends in banking around the world This branch from RBC on 360 St. Jacques street is a historic gem. Established as the Royal Bank headquarters in 1928, the building cost $6.5 million to erect. It remained RBC’s HQ until 1962. There were 20 tellers along one wall alone! Before the bank chose to close the branch altogether in 2010, the location had stood for more than 80 years, in its cathedral-like grandeur and monumentality — an icon from Montreal’s heyday as the financial capital of Canada. QuickTime™ and a decompressor are needed to see this picture.Private & Confidential 8digital (Pty) Ltd Nov 2012
  8. 8. FNB’s dotFNB High-Tech Store To describe its new branch concept, FNB uses terms like “virtual environment,” “interactive,” “augmented reality,” “online solutions,” “video conferencing” and “technology.” Aside from an advanced deposit-taking ATM, the new facility is cashless. Using an iPad or iPhone, the augmented reality app overlays information on things within the branch. If you point a device running the app at any of their products (which are merchandised in boxes) the app “unpacks” the box on- screen to let you know what features that product offers. For instance, if you point the device at an FNB logo it brings up the history of FNB. The branch also has a couple “Conference Cubicles” where customers can go for private video conferencing consultations, but you have to wonder: Why would anyone need to visit a branch to meet with their banker using internet video? Why couldn’t they just stay at home and use their own computer? “dotFNB shifts the focus from traditional banking to digital channels in an ultra-modern store-type environment,” the bank said in a statement. QuickTime™ and a decompressor are needed to see this picture.Private & Confidential 8digital (Pty) Ltd Nov 2012
  9. 9. ING Direct café strategy Here’s State Farm’s expression of the ING Direct café strategy — with lofted ceilings and wooden rafters, sleek sofas and cool music, artisan coffee and local treats. They call it their “Next Door” experiment (as in, “Like a good neighbor, State Farm is there.”) The space has four financial “coaches,” each equipped with a proprietary iPad app specially designed to help facilitate conversations with potential customers. A large display on the wall reads: “Financial coaching, but in a pro- community, create-it-together, everything-is-free-except-the-coffee kind of way. Beginners welcome.” There are the two “private coaching pods.” Coaches will move the pods aside on weekends, creating a giant wall on which they can project movies or TV shows. The pods are 2,000 pounds and on wheels, so it takes several employees to move them. The public can reserve a large conference room with dry-erase walls and large easels any type of community meeting (provided it’s G-rated, with no alcohol). QuickTime™ and a decompressor are needed to see this picture.Private & Confidential 8digital (Pty) Ltd Nov 2012
  10. 10. National Bank of Canada: Personal Touch The National Bank of Canada are in the process of launching a redesigned flagship concept in Toronto. The retail firm hired for the project says the goal is to create a warm and inviting space where clients and potential clients will want to come in and stay for a while to interact with staff. “If someone comes in to have a coffee and read a book for half an hour on a rainy day, it’ll be a sign the design is working,” the design firm explained. Plans even include a fireplace for cold winters. QuickTime™ and a decompressor are needed to see this picture.Private & Confidential 8digital (Pty) Ltd Nov 2012
  11. 11. Acru’s Widom Bar Guests entering Acru are greeted by casual associates manning the “Wisdom Bar.” Directly behind the Wisdom Bar is a set of booths for more discreet conversations with Acru advisors. Just beyond the entry is Copper Coin Coffee, an independently owned and operated coffee bar that gives the branch a sense of community and extends the space’s useful life beyond traditional banking hours. The location features a set of bleachers that accommodate after-hours music performances and seminars. Behind the communal space, there is a series of “living rooms” where advisors and guests can take their coffee and sit down one-to-one. ai3, the architects who designed the space, drew on the concept of the “third place,” a retailing strategy pioneered by Starbucks. QuickTime™ and a decompressor are needed to see this picture.Private & Confidential 8digital (Pty) Ltd Nov 2012
  12. 12. Contact Us Fabrik8 Contact: Laine Barnard Email: laine@8brand.co.za Head Office: +27 21 423 2509 Website: www.8brand.co.za QuickTime™ and a decompressor are needed to see this picture.Private & Confidential 8digital (Pty) Ltd Nov 2012
  13. 13. fabrik8 Thank You QuickTime™ and a decompressor are needed to see this picture.Private & Confidential 8digital (Pty) Ltd Nov 2012

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