A new generation of Mobile Banking
The Direkt Banking Service Concept–Capgemini
implements new mobile service concepts to provide
innovative powers and increase revenues to its client
in the Financial Service Industry.
After WAP, SMS and NFC
technology provided the first mobile information, transactions and
banking functionality, a new era of interactions
mobile banking has emerged. The Location based services:
market shift towards smart phones , Smart phones have the unique
like Apple’s Iphone, is the main ability to provide services based
cause. on the physical location of the
This new mobile banking (generation
• Surface computing: With the
2.0) emerged from a variety of
Multi-Touch interface, users
enjoy a heightened sense of direct
• New client experience: The manipulation. A new set of
Iphone from Apple shows the gestures like tapping controls,
great impact of appearance on sliding and flicking through data
functionality. Consistent helps users to quickly grasp
integration of the appearance and applications and simplifies and
the tasks to be executed by give greater affinity for the
providing standard controls and objects and task execution on
behaviours, leads to new user screen.
interface elements and result in a
• Upscale of user demand: broad
new customer experience.
band availability fuels access to
• Ipodification: An eminent trend and use of mobile internet and a
shows more and more non- ‘front row interface ‘(TV) for live
computer- like devices are used entertainment.
as the primary access channel to
All together Smart Phones provides
for an increasing larger group of
customers a ‘pocket’ tool for remote
Particularly the young, technology-
savvy online banking users consider a
smart phone and its new technology as
an ubiquitous asset that augments their
everyday live in many respects and
which they can combine at will to
create their own solutions.
Banking consumers want to improve
the overall experience. They want to
interact on the rhythm and at the
moments that suit them. They expect
seamless and compelling ways of
accessing applications and systems.
Also workers quickly start to
understand how their daily routine
might benefit from freedom that implement new hardware and then to mitigate delivery and adoption risks.
technology creates. They are getting deploy and configure new IT It also helps to reach business - and IT
used to interact more effectively and applications and services can take so goals:
intensively to co-workers, clients and long that much of the business value
partners. of the new resource is lost. Improve Time-To-Market
For these reasons - continuing to drive • Creating flexibility
The Business and IT Challenge IT infrastructure costs down, • Reduce investment costs (storage,
improving time to market for new applications, services)
Banks are affected by the same trends services and enabling new models of
• Reduce development costs (e.g.
and as new opportunities arise faster, working together - Capgemini
SDK and object-oriented
business must be able to sense crucial believes organizations will inevitably
programming for Iphone)
events in the business ecosystem. have a need for immediate access to a
• Reduces long–term costs since
massive pool of diverse computing
assets can be spread across
There is a pent-up demand to apply -storage, applications and services-
the technologies that individuals are and business resources (Strategy, UXP
already used to. and Organizational Embedding).
With Capgemini Direct Banking
Service Concept this risk is
About Capgemini and the
Collaborative Business Experience
For IT, it is difficult to keep up the
Capgemini, one of the world’s foremost providers of Consulting, Technology and Outsourcing services, has a
pace of technology.
unique way of working with its clients, called the Collaborative Business Experience.
Combining the two in order to find Backed by over three decades of industry and service experience, the Collaborative Business Experience is
new ways of using technology to align designed to help our clients achieve better, faster, more sustainable results through seamless access to our
network of world-leading technology partners and collaboration-focused methods and tools. Through
and combine capabilities, explore new
commitment to mutual success and the achievement of tangible value, we help businesses implement growth
sales and delivery channels and thus strategies, leverage technology, and thrive through the power of collaboration.
unleashing new revenue potential is
challenging. Capgemini employs approximately 61,000 people worldwide and reported 2005 global revenues of 6,954
To model your business according to More information about our services, offices and research is available at www.capgemini.com
above mentioned evolutions and to
understand the powerfull effect of the
new user interface and its new set of
human interface principles, a new
collaboration effort is required.
Partners in this collaboration are user
interface & user experience designers, Expert group Manager Channels retail banking
IT, marketing and channel
management. Frank. Moerdijk@Capgemini.com
Strategic Business Domain Manager Channels
For building new Internet Banking
and Mobile Banking models the
Direct Banking Service Concept, IT
and business elements can be accessed
immediately as external services.
How Capgemini Works Together
Capgemini’s Direct Banking Service
For many IT departments at Banks we Concept is to close any gap between
know the time to procure, specify and IT, Business and Users in order to