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Fintech Belgium Summit 2017 - Innovation Impact - Make- HelloBank by Lieve de Mol

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HelloBank by Lieve de Mol

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Fintech Belgium Summit 2017 - Innovation Impact - Make- HelloBank by Lieve de Mol

  1. 1. Fintech or traditional bank? Lieve De Mol Commercial Director Hello bank! lieve.demol@hellobank.com December 14th, 2017 Fintech Belgium
  2. 2. 01. THE BIRTH OF HELLO BANK … 02. WHAT IS OUR CORE … 03. HOW WE WORK … 04. WHAT WE DO …
  3. 3. How can a traditional bank, respond to - the needs of a tech-savvy, digital and mobile generation? - an increasingly competitive and changing environment? - daily banking becomes a commodity? 01. The birth of Hello bank! The challenge
  4. 4. 01. The birth of Hello bank! The start of a mobile bank
  5. 5. Digital changes continuously The rise of the fintechs Evolution towards open banking 01. The birth of Hello bank! Evolution since 2013
  6. 6. A 01. THE BIRTH OF HELLO BANK … 02. WHAT IS OUR CORE … 03. HOW WE WORK … 04. WHAT WE DO …
  7. 7. 3 main objectives Lab Acquisition Activation 02. What is our core? In our ways of working, Tone of voice, products,… Building a brand Building a relationship
  8. 8. 01. THE BIRTH OF HELLO BANK … 02. WHAT IS OUR CORE … 03. HOW WE WORK … 04. WHAT WE DO …
  9. 9. 03. How we work … Our Guiding principles Flat Organisation In order to ensure quick decision making and minimal overhead Member centric We are organised around customer journeys Dedicated Multidisciplinary teams For rapid & continuous delivery of value to our members Data driven Highly focussing on data driven decision making Agile Working in every new functionalities we want to deploy
  10. 10. Flat organisation Sales & Communication Channel & Product Performance Management 03. How we work …
  11. 11. Member centric 03. How we work …
  12. 12. Dedicated Multidisciplinary teams What A group composed of members with varied but complimentary experience, qualifications and skills that contribute to the achievement of the team’s specific objectives. How • Team members are 100% dedicated to the team and are (physically) closely working together • The team is responsible for it’s own strategy & priorities • The team is fully responsible for resource management and E2E accountable for delivery • Capacity is fixed. Scope/timing are variable. • Strong link with (agile) development team. 03. How we work …
  13. 13. Dedicated Multidisciplinary teams Communica tion Manager Technical Analyst Visual Designer VP Manager Backend Developer Functional Analyst Interaction Designer Campaign Manager Frontend developer Tester Scrum Master Architect User
 Experience
 Designer Product Owner Concept
 Owner IT Hb!Hb! Bus Hb! Bus Hb! Bus IT Hb! IT Hb! SharedIT Hb! SharedIT Hb! Hb! Bus IT Hb! IT Hb! IT Hb! Hb! Bus 03. How we work …
  14. 14. Data driven company 03. How we work … Data driven processes (bug monitoring, Fulfilment optimisation, …) Digital Performance (Media mix ROI optimisation, cost effectiveness, …) Targeted Social Media (Look Alike Audiences, …) Targeted online campaigns (segmented communication, targeted audiences, …) Continuous process for improvement (Data base A/B tests, digital behavior optimisation, …) Business Intelligence (Audience definition, in- & outflows analysis, …) Digital Analytics (quantitative and usability) (digital journey enrichment, light personnalisation, …)
  15. 15. Agile Way of Working All Slices of our ecosystem are migrating from waterfall towards an Agile way of Working 03. How we work …
  16. 16. 01. THE BIRTH OF HELLO BANK … 02. WHAT IS OUR CORE … 03. HOW WE WORK … 04. WHAT WE DO …
  17. 17. 04. What we do … Our Hello bank! Ecosystem Hello bank! Transactional Hello Home! Hello Crowd! Hello bank! Public The Blue Room Hello connect! (SSO)
  18. 18. Hello home! What • Guides users through the full journey of buying a house • 100% mortgage offer remote Why • Participation of members much earlier in the journey • Learn to sell complex financial products in a digital world How • Horizontal integration of services through partnerships , eg . real estate websites • Integration process and offer of simple products • Attractive and transparent prices 04. What we do …
  19. 19. Hello crowd! What • Platform to support young entrepreneurs who want to start their GREAT idea. • Reward and donation via Crowdfunding Why • Acquisition vehicle for Entrepreneurs Bank (BfE - BNPPF) • Learning to work with fintechs - API How • Support ( coaching / full financial offer ) • International fundings via our partner Ulule • Access to a wide network (Bank for Entrepreneurs, MMI, Urban Crafts , ...) 04. What we do …
  20. 20. Towards open banking 04. What we do … Internal Monolith 2014 Internal Cloud Modularity 2015 Internal Cloud 3rd Parties Cloud connects to 3th parties 2016 Expose Data Consume Data Open Model 2017 Data Bank as a Platform 2018
  21. 21. T H A N K Y O U ! Lieve De Mol Commercial Director Hello bank! lieve.demol@hellobank.com

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