The document outlines 4 paths for banking innovation: 1) using big data and customer intelligence to better understand customer consumption patterns and behaviors to customize offerings, 2) fully utilizing the potential of mobile technologies like mobile payments, transfers, and wallets, 3) exploring equity crowdfunding to offer new investment options and improve startup access to capital, and 4) developing new tools to help micro and small businesses access markets, manage operations, and have their needs understood.

1. 4 INNOVATION PATHS
TO BANKING INNOVATION
April 2013

2. INNOVATION
1. 2. 3. 4.
BIG DATA
& CUSTOMER
INTELLIGENCE
UNDERSTANDING
THE FULL
POTENTIAL OF
MOBILE
EQUITY
CROWDFUNDING
NEW TOOLS
FOR MICRO AND
SMALL BUSINESS
4 INNOVATION PATHS TO BANKING INNOVATION

3. Understanding
of consumption
patterns
1. BIG DATA & CUSTOMER INTELLIGENCE
Third parties
couponing
Proactive
management
of customer
relationships
Cross-selling
and up-selling
opportunities
Customization
of the offerings
(eg. investments,
insurances)

4. 2. UNDERSTANDING THE FULL POTENTIAL OF MOBILE
Transforming mobile
phones into payment
gateways
P2P money transfer
Mobile & tablet
channel UX
Mobile wallets

5. 3. EQUITY CROWDFUNDING
Offering a new options
to private investors
Countries to watch
Improving access to
capital for startups
Being captive on new
technologies

6. 4. NEW TOOLS FOR MICRO AND SMALL BUSINESS
Access to local and
global market
E-Commerce
Understanding the
needs of micro and
small businesses to
create new services
Accounting & planning
apps

7. info@coppalandini.com