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Beyond
utility
In the age
of the App
utility is key
People
love
Apps
Mortgage
Savings
Credit Card Loan
Investments
Insurance
Cash
Accounts
Pension
My Bank
Without customer relationships,
Customer
Relationships
Defenceless
Our
Lowest
Rate
Ever!
USP to ESPUnique Selling
Proposition
Emotional Selling
Proposition
Feeling
Individuality
Community
For brands to
succeed in the age
of the App we must
go beyond utility.
Features
Segmentation
Corporate
Economics
Motivations
Communities
Human
Psychology
Branding
yesterday
Branding
tomorrow
Utility Affinity
Industry’s own
bank brand
tracking research
is consistent in
showing this…
An ideal bank
Solves problems
effectively and quickly
Easy and quick to
make transactions
Charges that are
fair and predictable
Great online experience
24 hour a day service,accessible
from around the world
The bank shares
my values
It is a trusted
company
Utility Affinity
Source: Industry Benchmark Study, Bank Brands, September 2013
Three drivers of brand advantage for banks
How would you
rate the attitude of
this brand towards
customers?
1
Brand
longevity
3
Brand
attitude
2
Brand
trust
Will this brand be
here in 10 years?
How much do I
trust this brand?
Jeremy Davies,
Chief Marketing Officer,
Commerical Bank of Qatar
Dr Fraz Chishti,
Chief Innovation Officer,
Noor Bank
Banking in the Middle East

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Banking in the Middle East