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Mobile banking

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Mobile banking

  1. 1. Mobile Bankinga new (critical) experience for banks Mobile Monday – 2012, April, 23rd
  2. 2. • Mobile trends for banking1 • Banking trends for mobile2 • Next challenges3
  3. 3. One Billion smartphones by 2015
  4. 4. More than 300 millions tablets in theworld by 2015 400000 350000 300000 250000 Other Operating Systems 200000 QNX Microsoft 150000 Android 100000 iOS 50000 0 2011 2012 2013 2016 And iPad will dominate tablet sales until 2015 Source Gartner, 2012, April
  5. 5. Mobile internet usage will exceeddesktop usage by
  6. 6. 400 Millions people will use Mobilebanking in 2013
  7. 7. 40% of SwissCantonal Banksignore Mobilebanking
  8. 8. Mobile website is always anoption even if Apps are preferred
  9. 9. Today Billions applications have already been downloaded from the Apple Store and the Android Market …
  10. 10. Games dominates Mobile Apps usage
  11. 11. Mobile Banking Apps as a standardservice … soon
  12. 12. It is not because I have it that I use it But …
  13. 13. • Mobile trends for banking1 • Banking trends for mobile2 • Next challenges3
  14. 14. New trends challenge banks abouttheir services and market positions Bank services Personal Finance Peer-to-Peer lending Savings Credit Trading Crowd-funding Payments Mobile Payments Security & Privacy
  15. 15. More than 50% of users don’t trustthe security of their mobile
  16. 16. Personal Finance pulls allyour financial informationinto one place to get theentire picture and manageyour money
  17. 17. Banks are in the race
  18. 18. with many different solutions
  19. 19. The crowdsourcing as a newinnovation power for banks
  20. 20. Banks benefit from their onlinecommunities
  21. 21. Communities also promote socialinitiatives …such as loan agreementsbetween friends
  22. 22. Crowd-funding opts for disintermediation
  23. 23. Or get a peer-to-peer loan …without the banks
  24. 24. Pay with your mobile
  25. 25. Newworldof playersformobilepayments
  26. 26. By 2015, mobile payments will bethe most used channel for banking
  27. 27. Banks are looking for new mobileopportunities, such as small amounttransfers solutions
  28. 28. • Mobile trends for banking1 • Banking trends for mobile2 • Next challenges3
  29. 29. It is not enough for banks to saywe want to go mobile Smartphones, tablets and apps  Security and privacy concerns are usage explode rising  Speed development is a  New regulatory new challenge : Banks need requirements will appear to adapt themselves quickly about mobile banking Mobile connections will exceed  New players arrive especially for desktop ones payments and lending services  New banks architectures  Innovation should drive are needed : Bank-as-a- bank strategy in order to Service should become a assert its position againts standard new competitors and disintermediation trends
  30. 30. Thank you Marc Barbezat http://about.me/marcbarbezat Illustrations and web references :http://www.diigo.com/user/marcbarbezat/MobileMonday

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