This document provides an overview of the changing banking environment and opportunities for new digital services and products. Key points include: - The banking industry is being disrupted by digital competitors that offer more seamless, mobile-first experiences for customers. - Technology is changing customer expectations around fast, cashless, and on-demand banking services that can be accessed anywhere. - The document outlines several potential new digital banking products and services like mobility banking, service bots, experience banking apps, and tools to help different generations. - It argues that banks need to shift their focus from products to customer experience, change business models, use algorithms, and try new apps to better connect with customers in this changing environment.

1. CREATING INNOVATIVE DIGITAL EXPERIENCES
Insights into the future of banking and showcases
of possible new services and features

2. Slide Overview
The changing environment of banking
The Digital Wave
Changing business models
New algorithms
New products and services
One more thing
02
03
07
08
12
17
28
I.
II.
a
III.
b
c

3. DIGITALIZATION
COMPETITORS ARE...
...disrupting the market
TECHNOLOGY CAN...
...change infrastructure
CONSUMERS WANT...
...a seamless experience
Fast & Easy
Cashless
Get Money where I want
On the go
Nr26 - send money via SMS
Atom Bank - no filials
Fidor Bank - Crowdinvesting
Transferwise - real exchange rates
New possibillities
Bitcoin
Blockchain
Crowdloans
The environment has already changed and is
going to change more rapidly in the future

4. 4
Transferwise Number26 Cookies Cringle
New competitors offer multi-valued services and catch people on their #1 device

5. CHALLENGES
How to be part of the disruption?
How to create real customer-centric services?
How to ride the digital wave and attract native digitalists?
How to connect generation Y and generation Z?
How to combine digital and analog?
It’s not too late - but Banks have 5 big challenges to solve

6. FOCUS SHIFT
Target: User centric, seamless 360 degree experience
CONTROL
EFFICIENCYHUMAN
TARGET
CURRENT STATE
Banks have to change their focus - from Product to Customer to Customer experience

7. CHANGE BUSINESS MODELS
turning away from typical
branch business to innovative
and user-centric models
USE ALGORITHMS
partly automated
but personalized
customer service
TRY NEW SERVICE APPS
deeper customer bonding
through emotional and
solution based service apps
EARLY
MAJORITY
EARLY
ADAPTORS
LATE
MAJORITY
LAGGARDSINNOVATOR
Possibilities to refresh digitalization at banks - from creating the wave to riding the wave
Start NEXT YEAR Start TODAY TOO LATE

8. INNOVATOR
Mobility Banking
EARLY
MAJORITY
EARLY
ADAPTORS
LATE
MAJORITY
LAGGARDS
Turning away from typical branch business an innovative and user-centric approach

9. Benefit: Creating bonding micro moments!
On Demand Banking
Mobility Banking services would enable a stronger and
faster bond with customers while reducing operating
costs and providing a new interaction channel.
Customers would be able to: open a bank account,
send, receive and authorize documents and order/
deposit cash on their account.
9

10. 10
Order cash Choose amount Confirmation Arrival

11. 11
Benefits: Why is Mobility Banking beneficial to...
• fast and easy access to money
• on demand banking
• less paperwork
• no more waiting in line
• efficient
... the customer
• fewer filials, more mobility
• reduced costs
• positive micro moments
• better customer service
• innovator image
... the provider (Bank)

12. Service Bots
EARLY
MAJORITY
EARLY
ADAPTORS
LATE
MAJORITY
LAGGARDSINNOVATOR
Partly automated but personalized customer service

13. 13
PAUL PAULA
BECAUSE EVERYBODY SHOULD HAVE ‘SOMEONE‘ IN THE BANK

14. 14
USER CENTRIC
Directcommunicationcatches
customer needs in real time
SECURE
Integration into existing
security protocols
PERSONALISED
Chat based interface,
fast and direct support
What makes Paula and Paul more human?

15. 15
Saldo Modules - ATM Menu IAP

16. 16
Multi Purpose Platform
Integration into popular communication
platforms as add-on bots that can be
called upon with simple hashtags
Integration into Messenger App
... the customer
Integration into popular messaging apps as
installable bots through an existing bot store
(free of charge).
Integration into existing banking App
... the provider (Bank)

17. Experience Banking
EARLY
MAJORITY
EARLY
ADAPTORS
LATE
MAJORITY
LAGGARDSINNOVATOR
Deeper customer bonding through emotional and solution based service apps

18. EXPERIENCE BANKING
NEW SERVICES EXISTING SERVICES
INNOVATION
INVESTMENT
Round up
‘I can easily save money without even
perceiving it - that’s a nice surprise’
LOANS
Control
‘I have full control over my current
loans or can check if I can get one’
HELPING USERS
Split it easy
‘It’s awesome to split bills so
easily - it was always trouble!’
Solves problem
Improves loyalty
Comfort and speed
Acquisition customers
Younger target group
Opportunity to scale (money transfer)
Market positioning
New service apps have clearly put customer needs in the forefront

19. NEW SERVICES EXISTING SERVICES
INNOVATION
INVESTMENT
Invest
Round up and invest. The easiest
way to invest your money
LOANS
Control
Control your loan or check
your chances to get one
HELPING USERS
Split it easy
‘It’s awesome to split bills so
easily - it was always trouble!’
Solves problem
Improves loyalty
Comfort and speed
Acquisition customers
Younger target group
Opportunity to scale (money transfer)
Market positioning
19

20. 20
Split it easy - Idea
Split it easy helps people to manage group expenses and it’s the
simplest way to calculate who owes what and for what cause.
Users create an account with their email address or with their
Facebook account.
After signing up, users can create events (cause) which they
are financing with other friends and add all expenses for that
event. Split it easy App splits the costs through all participants
and tells you who owes how much to who.
Scaling: By transferring money to other bank accounts, you
owe to someone through the app and by advertising the bank’s
products to customers (loans, investment possibilities etc.)

21. 21
Create expense Group spending Data Profile

22. NEW SERVICES EXISTING SERVICES
INNOVATION
INVESTMENT
Round up
‘I can easily save money without even
perceiving it - that’s a nice surprise’
LOANS
Control
Control your loan or check
your chances to get one
manage
ends
Solves problem
Improves loyalty
Comfort and speed
Acquisition customers
oup
ney transfer)
ing
22

23. 23
Round Up App - Idea
The Round Up App helps people to invest their money easy by
giving them the chance to round up every transaction on their
bank account or to determinate a fixed amount they want to
invest with every transaction.
Users can sign up by using their Facebook account or email. After
signing up, users have to connect their profile to their bank account.
Users can choose if they want to round up every transaction and
invest that amount, or if they want to determine a fixed amount
they want to invest. They can also decide what kind of investment
they want to do, should it be in a single fund or dispersed in
different funds and the risk level they want to take.
Targets people who want to be flexible in investing their money
and don’t have huge budgets to do so.

24. 24
Charts Projections Investing Secure

25. 25
NEW SERVICES EXISTING SERVICES
INNOVATION
INVESTMENT
Invest
Round up and invest. The easiest
way to invest your money
LOANS
Control
‘I have full control over my current
loans or can check if I can get one’
HELPING USERS
Friends
The easiest way to manage
expenses with friends
Solves problem
Improves loyalty
Comfort and speed
Acquisition customers
Younger target group
Opportunity to scale (money transfer)
Market positioning

26. 26
Control App - Idea
Control App helps bank customers to monitor/control their
cash loans and to request a loan by checking their chances to
get one at first.
Users can sign up by using their Facebook account or email. After
signing up, users have to connect their profile to their bank account.
With successful connection of bank account with Control App,
users get a overview on how their loan is doing/developing.
On the monitor dashboard users can easily see what is the
remaining amount they have to pay back or how high the
current interest rate is.
By taping on ‘check for new loan’ users can also check their
chances on getting a new loan and request a meeting with a bank
representative to work out the details.

27. 27
Loan Check Loan Terms Loan Monitoring History

28. GENERATION Y GENERATION XGENERATION Z
Usage: mobile only
Target: delight and engage
Usage: mobile first
Target: surprise
Usage: low mobile usage
Target: keep loyal
Focus: Connecting Generations
The more tasks I finish, the
more money I can receive -
that’s fun - but I also want to
impress my parents!
For me, it’s an easy and fun
way to educated my kid -
do something and you will
receive something...

29. Monitor and award archived goals
Awardee App
Awardee engages both parent and child to a bond,
where they interact with each other, performing actions
that lead to a predefined goal (i.e. buying a new bike).
With both short, and long term goals covered, the child
can set its goals and perform tasks in order to archive
them - all monitored by their parents who are equally
engaged in the process of awarding their youngsters.
29

30. 30
Setup Dashboard First Investment History

31. Cashless Piggy Bank experience
Piggy Bank
Piggy Bank is an innovative approach to an
old territory, the simple yet effective way to
save money. However - this approach enables
the youngster to experience the benefits of
cashless transactions, and become familiar
with HPBs digital products, early on.
31

32. 32

33. Want a taste of the future? Get in touch with us
and get to know how working with us can be
inspiring, professional, fast and fun!
hello@martian.agency
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