New mBank innovations and design (2013-06-28) v 2.1

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New mBank innovations and design (2013-06-28) v 2.1

  1. 1. Project New mBank June 2013 Perhaps the world’s most innovative online banking
  2. 2. 2 Agenda 1. Brief overview of Project New mBank 2. New mBank innovations and design 3. Additional information
  3. 3. 3 mBank is the biggest polish online bank and part of the third polish retail banking group – BRE Bank First Polish pure-play online bank founded in 2000 Currently #3 retail bank and the biggest online bank Full retail and SME product range available behind single login Launched in Czech Republic and Slovakia in 2007 $10,2B deposits & $11,4B loans at the end of 2012 The third Polish banking group with comprehensive financial offer tailored to the needs of corporate clients, Private Banking clients, and retail clients Member of Commerzbank Group ~6 000 employees BRE Retail banking (mBank, MultiBank, mBank Czech Rep. & Slovakia) serves total 4,1M customers 18 955 17 259 Loans Deposits 388 Net income BUSINESS RESULTS [total BRE Bank group, 2012 EOY, M USD] BUSINESS RESULTS [2012 EOY, M USD] Source: BRE Bank Investor Relations, Bankier.pl • 3,5 M customers • $8 800 M deposits • $10 900 M loans • 0,17 M customers • $439 M deposits • $88 M loans • 0,44 M customers • $923 M deposits • $458 M loans
  4. 4. 4 • Modern Design and User Interface • Personal Finance Management • Video chat • Discounts app on Facebook • Gamification • P2P payments REAL TIME MARKETING • Real-time and behavioral offers • Transactional marketing with merchants • Transactional banking • Geolocation • Mobile payments FOUR PILLARS OF NEW mBANK • With >200 team members and budget of $31 M Project New mBank is one of the biggest financial startups in Europe and the biggest innovation-driven project in Polish retail banking for a decade • The Project kicked-off in April 2012 • Work has been divided into two stages: • Phase 1 focusing on online banking (launched in Jun 2013) • Phase 2 focusing on mobile banking (work in progress) • Strategic partners include Meniga, Artegence and Accenture PROJECT DETAILS New mBank – 10 major financial innovations tightly integrated in perhaps the most modern online banking in the world
  5. 5. 5 In 14 months joint teams of IT, Business and UX specialists completely redesigned the online banking platform, introducing >200 new features Teams consisting of IT, business and UX specialists divided into ten streams worked together on each part of the project from designing the scope to launching the product 1050 hours of UX tests with clients and potential users (without UAT and beta tests) Over 400 final UI/UX models (over 1700 draft models) Exploration and innovation analysis • Trends • Benchmarks • Experience from mBank User Experience strategy • mBank personas • User scenarios • Interaction points • UI/UX for navigation Creative concepts • Designing the interface • Eyetracking perception analyses • UX concept tests Design development • Navigation and model AI design • Multiple UX tests • GUI design • Interactions and animations THE PROCESS OF CREATING NEW mBANKTHE TEAM
  6. 6. 6 The launch of Phase 1 in June 2013 was widely acclaimed by the most demanding reviewers – our Customers PRE-LAUNCH CAMPAIGN (April-June) LAUNCH OF New mBank (June-now) • The campaign focused on education and engagement with innovative functionalities of new online banking platform. Campaign ran over 7 weeks before launch • The youtube videos prepared for the campaign were viewed >600k times, 12x increase in YT activity • Over 40 ths. customers signed up to obtain access to new platform • mOKAZJE, the merchant-funded transactional marketing platform was launched. It reached >50k Facebook app installs, making it the third fastest growing app on Polish FB in May • The launch of Phase 1 was combined with rebranding of mBank • ~200 ths. users signed up to obtain access to new platform in the first week! • Most active users of mOKAZJE saved ~230$ over first 2 months – more than users of any competing moneyback program over a year • Journalists and experts wrote about New mBank >700 times post launch; >3x more than any other bank launch/campaign in Poland Source: mBank
  7. 7. 7 Our efforts have also been recognized by an international group of experts at Finovate Europe 2013 - Best of Show Award • Finovate is the first demo-focused conference series in financial technology organized since 2007 • mBank was one of very few banks to receive the Best of Show Award in the history of Finovate • We covered re-designed online banking and first European implementation of transactional banking – mOkazje • Demo showcased contributions of our key partners: Effigence, Meniga and Accenture • Conferences are held in four cities – San Francisco, New York, London, Singapore Source: Finovate
  8. 8. 8 Agenda 1. Brief overview of Project New mBank 2. New mBank innovations and design 3. Additional information
  9. 9. mBank’s re-designed information portal - landing page
  10. 10. Login
  11. 11. Re-invented online banking – landing page
  12. 12. Profile selection – individual or SME
  13. 13. Accounts – PFM enhanced balance history and forecast
  14. 14. Budgets
  15. 15. Deposit wizard – choice through simplicity
  16. 16. Universal statement page – account aggregation, quick search
  17. 17. Google-like quick search feature
  18. 18. Trends analysis
  19. 19. Banking transfers - hub
  20. 20. Banking transfers - domestic
  21. 21. P2P transfers – Facebook or text
  22. 22. Receiving money on Facebook
  23. 23. Address book
  24. 24. Credit and debit card view
  25. 25. Video banking: „Expert Online” – service selection
  26. 26. Video banking: „Expert Online” – advice window
  27. 27. System settings – landing page
  28. 28. System settings– Facebook options
  29. 29. Financial products store: „Market”
  30. 30. Financial products store – product details and purchase
  31. 31. Gamification withing online banking - mGRA
  32. 32. Gamification: „mGRA” – leader board
  33. 33. Logout
  34. 34. Merchant-funded transactional marketing: „mOkazje” - on Facebook
  35. 35. Merchant-funded offers: „mOKAZJE” – cash back statement
  36. 36. Nowymbank.pl – pre-launch campaign HUB 1/2
  37. 37. Nowymbank.pl – pre-launch campaign HUB 2/2
  38. 38. New mBank renders perfectly on smartphones, tablets and… iOS, Android, Windows Phone
  39. 39. … And even on SmartTVs
  40. 40. All that accompanied by bold rebranding
  41. 41. 41 Agenda 1. Brief overview of Project New mBank 2. New mBank innovations and design 3. Additional information
  42. 42. 42 Additional information Viral videos made to promote New mBank: Mr Button vol. 1 - http://www.youtube.com/watch?v=HmahAyKp2VE Mr Button vol. 2 - http://www.youtube.com/watch?v=BU8Xje5WjFw Rich media campaign: http://www.youtube.com/watch?v=wyOQmOwPdW4 Press releases: http://media.brebank.pl/en/pr/244083/mbank-is-changing-new-logo-transactional-service-expanded-offer Other sources: http://pinterest.com/michalpanowicz/new-mbank-10-most-impactful-financial-innovations-/ http://www.youtube.com/user/mbanktv Finovate – http://finovate.com/2013/02/finovateeurope-2013-best-of-show-credit-agricole-etronika-mbankefigence-meniga-moven- pockets-united.html Forrester - http://blogs.forrester.com/auke_douwe_veenstra/13-02-15-finovate_europe_2013_bank_to_the_future Banking Tech - http://www.bankingtech.com/66891/finovate-europe-sees-arrival-of-the-old-guard/ PR Web - http://www.prweb.com/releases/2013/2/prweb10445589.htm ICT Journal - http://www.ictjournal.ch/fr-CH/News/2013/02/14/Huit-innovations-financieres-primees-a-Finnovate.aspx Mapa Research - http://www.maparesearch.com/news/article/finovate-day-two Screen captures of New mBank: New Design – www.youtube.com/watch?feature=player_embedded&v=v98XAI_6XSk Search engine - www.youtube.com/watch?feature=player_embedded&v=svvxNm0tZqA Money transfers - www.youtube.com/watch?feature=player_embedded&v=lQ70vSXLTSE PFM - www.youtube.com/watch?feature=player_embedded&v=wmFe2lnaKEY mOKAZJE - www.youtube.com/watch?feature=player_embedded&v=RBVw5k3Sxuw
  43. 43. 43 For more information please contact: Michal Panowicz, Managing Director of Project New mBank michal.panowicz@mbank.pl Krzysztof Olszewski, BRE Bank Group's Spokesperson krzysztof.olszewski@brebank.pl Marek Skomorowski, Project New mBank team member marek.skomorowski@mbank.pl

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