Mobile banking

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How banks can leverage Mobility and build a mobile strategy

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  • Mobile banking

    1. 1. Future of Mobile Banking Trends in Financial Mobile Apps Services 1
    2. 2. Future of Mobile Banking Architecture Mobile Payments Recommendations 2
    3. 3. Mobile Channel Maturity Roadmap 3
    4. 4. Mobile Channel Maturity Roadmap • From Infosys Finsights 3
    5. 5. Financial Institutions & Mobile Applications •Banks - • iPhone banking usage skyrocketing • Banks are rushing into the fray to develop applications •Customers • Expect more than just the banks mobile web site • Provide active feedback to Bankʼs on features wanted • Moving quickly to third party applications. 4
    6. 6. State of the Union 5
    7. 7. State of the Union •Forrester report on mobile banking 5
    8. 8. Third Parties are stepping up • Customers are looking for key functions on their mobile phones 6
    9. 9. Third Parties are stepping up • Customers are looking for key functions on their mobile phones • CheckBook management 6
    10. 10. Third Parties are stepping up • Customers are looking for key functions on their mobile phones • CheckBook management • Bill notifications/reminders 6
    11. 11. Third Parties are stepping up • Customers are looking for key functions on their mobile phones • CheckBook management • Bill notifications/reminders • Expense management 6
    12. 12. One in Particular 7
    13. 13. One in Particular • First year growth in traffic 965% 7
    14. 14. What do customer want from their Banks? 8
    15. 15. Outside the Box Just our ATMʼs vs All ATMʼs Providing inclusive information provides a channel marketing strategy 9
    16. 16. Social Media & Banking 10
    17. 17. Promotions can be viral 11
    18. 18. P2P Payments Paypal mobile application runs on the “Bump” API, allowing for exchange of money through a physical phone-to-phone interaction. Like the Bump contact exchange interaction, users are able to transfer information by bumping their fists together with phones in hand. The application includes tax, tip and check calculating features, making transfer of money in split-check situations easier for all involved. 12
    19. 19. Near Field Communications NFC allows mobile phones to communicate with other NFC devices in order to exchange data. This allows for a number of applications including mobile ticketing, mobile payment, e-money, electronic keys, smart billboards and more. Apple has filed numerous NFC patents covering a wide range of potential NFC areas. 13
    20. 20. No cash, No problem! Square iPhone app allows anyone with an iPhone to accept and process credit card transactions. The cardʼs swipe data is transferred to the application on the iPhone and the customer confirms the transaction by scrawling their signature using the touch screen. 14
    21. 21. Check Deposit (now a standard feature) 15

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