Keynote de Ron Shevlin en Next Bank Madrid 2013

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Esta fué la presentación de Ron Shevlin en el Next Bank Madrid del pasado 25 de Junio 2013. Ron Shevlin es Senior Analyst de Aite Group y Autor del blog Snarketing2.0.

Business

© Copyright 2013 Aite Group, LLC 1
@rshevlin
The Future of Retail Banking
Ron Shevlin
Senior Analyst
Next Bank Madrid
June 2013

© Copyright 2013 Aite Group, LLC 2
@rshevlin
“We’re one
Bad Axe Bank.”
Bad Axe Bank
“If you want to get rich,
there’s Little Hope for you.”
Bank of Little Hope
“UBS. So we BS. It’s only
fair.”
UBS

© Copyright 2013 Aite Group, LLC 3
@rshevlin

© Copyright 2013 Aite Group, LLC 4
@rshevlin

© Copyright 2013 Aite Group, LLC 5
@rshevlin
Theme
A new competitive dynamic
in retail banking is emerging

© Copyright 2013 Aite Group, LLC 6
@rshevlin
Agenda
•  What’s driving change?
•  What is the future of retail banking?
•  What does this mean for banks?

© Copyright 2013 Aite Group, LLC 7
@rshevlin
-‐2%
3%
8%
13%
18%
1994 1996 1998 2000 2002 2004 2006 2008 2010
Source: Federal Reserve Bank
US bank return on equity

© Copyright 2013 Aite Group, LLC 8
@rshevlin
Spanish bank ROE
Source: European Banking Federation
2007
1.1%
2011
0.2%

© Copyright 2013 Aite Group, LLC 9
@rshevlin
Non-interest income % of assets
Source: “The Impact of Strengthened Basel III Banking
Regulation on Lending Spreads,” Chun, Kim, Ko
2007
1.0%
2011
0.4%
Sample=670 banks in 16 developed countries, including 25 Spanish
banks

© Copyright 2013 Aite Group, LLC 10
@rshevlin
The future of retail banking

© Copyright 2013 Aite Group, LLC 11
@rshevlin

© Copyright 2013 Aite Group, LLC 12
@rshevlin
The future of retail banking
•  NeoChecking: The new type of product
•  Mobile shopping: The new points of interaction
•  Performance: The new competitive dynamic

© Copyright 2013 Aite Group, LLC 13
@rshevlin
The growth of prepaid
Source: MasterCard

© Copyright 2013 Aite Group, LLC 14
@rshevlin
The Debanked
Mainstream consumers who
willingly opt out of the
traditional banking system

© Copyright 2013 Aite Group, LLC 15
@rshevlin
NeoChecking accounts
•  Mobile-first design

© Copyright 2013 Aite Group, LLC 16
@rshevlin

© Copyright 2013 Aite Group, LLC 17
@rshevlin

© Copyright 2013 Aite Group, LLC 18
@rshevlin
NeoChecking accounts
•  Mobile-first design
•  Point-of-decision input/feedback

© Copyright 2013 Aite Group, LLC 19
@rshevlin
Digital receipt
provides real-time
feedback to
consumers on their
purchase along with
contextual
transaction insights.
Spend tracking
tracks how fast
consumers spend
month-to-date
compared to
historical spending
patterns.

© Copyright 2013 Aite Group, LLC 20
@rshevlin
NeoChecking accounts
•  Mobile-first design
•  Point-of-decision input/feedback
•  Dynamic account structure

© Copyright 2013 Aite Group, LLC 21
@rshevlin

© Copyright 2013 Aite Group, LLC 22
@rshevlin
The new points of interaction

© Copyright 2013 Aite Group, LLC 23
@rshevlin

© Copyright 2013 Aite Group, LLC 24
@rshevlin
JIMMY CHOO
$400
Can I afford it?
How should I pay?
Can I get an offer?
What did others pay?

© Copyright 2013 Aite Group, LLC 25
@rshevlin

© Copyright 2013 Aite Group, LLC 26
@rshevlin

© Copyright 2013 Aite Group, LLC 27
@rshevlin

© Copyright 2013 Aite Group, LLC 28
@rshevlin
The new point of interaction
PurchaseIdentification
of need
Old point of
interaction
New point of
interaction
Google’s point
of interaction

© Copyright 2013 Aite Group, LLC 29
@rshevlin
Theme
A new competitive dynamic
in retail banking is emerging

© Copyright 2013 Aite Group, LLC 30
@rshevlin
Performance: New competitive dynamic
1950 1955 1960 1965 1970 1975 1980 1985 1990 1995 2000 2005 2010 2015 2020 2025 2025
Location
Rates
Performance

© Copyright 2013 Aite Group, LLC 31
@rshevlin
•  Monthly fees
Costs Benefits
•  Penalties
•  Service fees
•  Interest earned
•  Rewards redeemed
•  Savings generated
TBO: Total Benefits of Ownership

© Copyright 2013 Aite Group, LLC 32
@rshevlin

© Copyright 2013 Aite Group, LLC 33
@rshevlin
The performance hierarchy
Oversight
Insight
Foresight
•  Where did it go?
•  How did I do?
•  What should I do?
•  What do I have?
PFM

© Copyright 2013 Aite Group, LLC 34
@rshevlin
Theme
A new competitive dynamic
in retail banking is emerging

© Copyright 2013 Aite Group, LLC 35
@rshevlin
What it means
•  Branches
–  Low (not high) transaction automation
•  Pricing
–  Alignment of price and value
•  Revenue
–  Googlification of sources

© Copyright 2013 Aite Group, LLC 36
@rshevlin
The future of retail banking
•  NeoChecking: The new type of product
•  Mobile shopping: The new points of interaction
•  Performance: The new competitive dynamic

© Copyright 2013 Aite Group, LLC 37
@rshevlin
“The
secret
to
crea,ng

strong
rela,onships
is

honesty
and
fair

dealing.”

“If
you
can
fake
those,

you
have
it
made.”

—
Groucho
Marx

© Copyright 2013 Aite Group, LLC 38
@rshevlin
Aite: Partner, Counterpart
Aite Group (eye-tay) is an independent research and
advisory firm focused on business, technology and
regulatory issues and their impact on the financial
services industry.
Ron Shevlin
rshevlin@aitegroup.com
www.aitegroup.com
Twitter: @rshevlin
Blog: Snarketing2dot0.com

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Keynote de Ron Shevlin en Next Bank Madrid 2013

9. © Copyright 2013 Aite Group, LLC 9 @rshevlin Non-interest income % of assets Source: “The Impact of Strengthened Basel III Banking Regulation on Lending Spreads,” Chun, Kim, Ko 2007 1.0% 2011 0.4% Sample=670 banks in 16 developed countries, including 25 Spanish banks

12. © Copyright 2013 Aite Group, LLC 12 @rshevlin The future of retail banking •  NeoChecking: The new type of product •  Mobile shopping: The new points of interaction •  Performance: The new competitive dynamic

19. © Copyright 2013 Aite Group, LLC 19 @rshevlin Digital receipt provides real-time feedback to consumers on their purchase along with contextual transaction insights. Spend tracking tracks how fast consumers spend month-to-date compared to historical spending patterns.

31. © Copyright 2013 Aite Group, LLC 31 @rshevlin •  Monthly fees Costs Benefits •  Penalties •  Service fees •  Interest earned •  Rewards redeemed •  Savings generated TBO: Total Benefits of Ownership

36. © Copyright 2013 Aite Group, LLC 36 @rshevlin The future of retail banking •  NeoChecking: The new type of product •  Mobile shopping: The new points of interaction •  Performance: The new competitive dynamic

38. © Copyright 2013 Aite Group, LLC 38 @rshevlin Aite: Partner, Counterpart Aite Group (eye-tay) is an independent research and advisory firm focused on business, technology and regulatory issues and their impact on the financial services industry. Ron Shevlin rshevlin@aitegroup.com www.aitegroup.com Twitter: @rshevlin Blog: Snarketing2dot0.com

Keynote de Ron Shevlin en Next Bank Madrid 2013

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