78. Financial Digital Actual
= CRED
Behaviour Behaviour Behaviour
Ability to be a
Ability to Ability to be Movenbank
= CRED
manage trusted advocate
money
PFM, DDA, Lo LinkedIn, eBay,
ans, Savings, I Facebook, Twitte Movenbank
= CRED
nvestments … r, Prosper … gamification
= CRED
116. Fidor Bank thinks different!
Fidor Bank = GLOBAL PEER TO PEER BANKING.
Crowdsourcing, e. g. with a user-community, that allows peer-to-peer support, sharing of
experiences and cooperation in order to solve financial questions;
Crowdfunding, e. g. by getting paid by the bank for specific social interactions within Fidor Bank
Community;
User co-designed Products and user driven Prices, e. g. Product suggestions within the
community, „Zins-Consenus-Group“ within Fidor Bank Community, „Like-Zins“, an interest rate that is
directly connected to the amount of Likes on Fidor Bank´s Facebook profile.
Crowdfunding, via third party platforms such as startnext and others;
Peer to peer lending within FidorPay Account;
A global payment offer, that will allow „account to account“
payments or „account to cash pick up“.
117. Fidor Bank´s Customer „phase in“ allows efficient marketing spendings.
2011: proof of concept
€100,000 Communication Spendings since Kick off
75,000 top Line User registrations year end 2011
€1.33 Cost per Registration
6,000 full KYC Customers in avg 2011
€16.7 Cost per Full KYC Customer in avg 2011
€14.83 net income/full KYC user in 2011
122. Banking is just data
“Information about money has become
almost as important as money itself .”
Walter Wriston, CEO/Chair, 1967-1984
“Banking is just bits and bytes.”
John Reed, CEO/Chair, 1984-1998
http://www.thisislondon.co.uk/standard-business/article-23773417-i-want-that-cow-the-rise-and-rise-of-virtual-gaming.doThe worldwide market for virtual goods is expected to approach $5 billion this year. Within a week of its launch last month, online game company Zynga's new Café World game for Facebook already boasted ten million players. It turns out that only around 10% of players ever buy anything in these games.Farmville, another game from Zynga that started only this summer, now has over 60 million monthly users. If only a tenth of them spend a mere $5 on extra cows or tractors in November, that's a cool $3m in the bank — per month.The companies responsible for the vast majority of the most popular free-to-play social games are new — outfits like Zynga, Playdom and Playfish, which were all founded in the last couple of years. Those three alone are set to reap over $300 million in virtual goods revenue this year, numbers that have veteran game makers running scared. Just last week, computer games giant EA bought the UK-based Playfish for $275m in cash, a move widely seen as an admission that they'd been focused too much on the way things used to be rather than the shape of things to come.