BankMobile's part of a joint presentation: "The Secret to Building The Uber Mobile Banking App" together with Jim Marous The Financial Brand) and Meaghan Johnson (Mapa Research) - BAI Retail Delivery 2015, Las Vegas NV.
Presentation: Digital Financial Wellness: The Future of Money
Presented by: Mohamed Khalil, Head of Product, Data & Marketing, Moven
Mobile technology coupled with data and behavioral sciences now allow for highly personalized, real time interactions that alter consumer behaviors. This talk will examine how the retail financial services model must adapt to survive this digital disruption.
http://www.bdionline.com/
Mobile Banking - The Next Gen Approach Konrad Group
Mobile presents a huge opportunity for banks to better engage with existing customers, to win new customers and to increase revenue through mobile payments and mobile commerce capabilities.
e-Bus studies allow multiple companies to ask proprietary questions on a single survey while sharing common demographic data collected from each respondent, providing a cost-effective way for companies to conduct fast, short surveys with target consumers. Data is reported by attributes like age, gender, city, income and delivered in PowerPoint. EPINION's e-Bus surveys 1,000 online Vietnamese consumers bi-monthly, with a maximum of 5 questions allowed per client.
Presentación de Deborah Bianucci, Presidente & CEO del BAI (Bank Administration Institute) en el 31º Congreso Internacional de Marketing Financiero AMBA.
21 y 22 de septiembre de 2015
This document discusses potential opportunities and risks for banks in the changing financial services landscape. It outlines several fintech startups that have disrupted various aspects of banking. It also provides examples of how some banks have embraced digital technologies, entered new markets, and explored blockchain to maintain relevance. The big risk it mentions is that non-banks could replace banks as the main point of contact for customers' financial lives. It advocates that banks must leverage customer trust and move into the commercial lives of their customers to defend their position.
This document discusses the future of mobile finance and banking. It outlines how mobile money has allowed users in developing countries to store, send and receive money digitally, filling gaps where traditional banking infrastructure is lacking. The future of finance will rely on mobile solutions that increase financial inclusion and access to services. Recommendations include improving the user experience of mobile banking through features like location awareness, alerts and search to help mobile become the primary way everyday financial needs are met globally.
Bank of America is one of the largest financial institutions in the world. Through a series of mergers and acquisitions since the 1990s, it grew from its origins as Bank of Italy in 1904. It has over $2 trillion in assets and serves clients in more than 150 countries. Bank of America focuses on innovative products and services, and has a global reach through its operations in Asia, the US & Canada, and Europe/Middle East/Africa. The company is committed to corporate social responsibility initiatives in areas like the environment, health, and disadvantaged communities.
The document summarizes the Mobile Money Transfer Asia-Pacific Conference & Expo that took place from January 17-20, 2011 in Manila, Philippines. The conference brought together leaders in the mobile money industry from around the world to discuss trends, developments, and initiatives in mobile banking and money transfers. Highlighted at the conference was the Microenterprise Access to Banking Services Program supported by USAID, which aims to expand access to banking for lower income groups through partnerships with rural banks in the Philippines. Presentations covered the experiences and challenges of implementing mobile phone banking in the country by various rural banks, regulators, mobile network operators, and mobile money services.
Presentation: Digital Financial Wellness: The Future of Money
Presented by: Mohamed Khalil, Head of Product, Data & Marketing, Moven
Mobile technology coupled with data and behavioral sciences now allow for highly personalized, real time interactions that alter consumer behaviors. This talk will examine how the retail financial services model must adapt to survive this digital disruption.
http://www.bdionline.com/
Mobile Banking - The Next Gen Approach Konrad Group
Mobile presents a huge opportunity for banks to better engage with existing customers, to win new customers and to increase revenue through mobile payments and mobile commerce capabilities.
e-Bus studies allow multiple companies to ask proprietary questions on a single survey while sharing common demographic data collected from each respondent, providing a cost-effective way for companies to conduct fast, short surveys with target consumers. Data is reported by attributes like age, gender, city, income and delivered in PowerPoint. EPINION's e-Bus surveys 1,000 online Vietnamese consumers bi-monthly, with a maximum of 5 questions allowed per client.
Presentación de Deborah Bianucci, Presidente & CEO del BAI (Bank Administration Institute) en el 31º Congreso Internacional de Marketing Financiero AMBA.
21 y 22 de septiembre de 2015
This document discusses potential opportunities and risks for banks in the changing financial services landscape. It outlines several fintech startups that have disrupted various aspects of banking. It also provides examples of how some banks have embraced digital technologies, entered new markets, and explored blockchain to maintain relevance. The big risk it mentions is that non-banks could replace banks as the main point of contact for customers' financial lives. It advocates that banks must leverage customer trust and move into the commercial lives of their customers to defend their position.
This document discusses the future of mobile finance and banking. It outlines how mobile money has allowed users in developing countries to store, send and receive money digitally, filling gaps where traditional banking infrastructure is lacking. The future of finance will rely on mobile solutions that increase financial inclusion and access to services. Recommendations include improving the user experience of mobile banking through features like location awareness, alerts and search to help mobile become the primary way everyday financial needs are met globally.
Bank of America is one of the largest financial institutions in the world. Through a series of mergers and acquisitions since the 1990s, it grew from its origins as Bank of Italy in 1904. It has over $2 trillion in assets and serves clients in more than 150 countries. Bank of America focuses on innovative products and services, and has a global reach through its operations in Asia, the US & Canada, and Europe/Middle East/Africa. The company is committed to corporate social responsibility initiatives in areas like the environment, health, and disadvantaged communities.
The document summarizes the Mobile Money Transfer Asia-Pacific Conference & Expo that took place from January 17-20, 2011 in Manila, Philippines. The conference brought together leaders in the mobile money industry from around the world to discuss trends, developments, and initiatives in mobile banking and money transfers. Highlighted at the conference was the Microenterprise Access to Banking Services Program supported by USAID, which aims to expand access to banking for lower income groups through partnerships with rural banks in the Philippines. Presentations covered the experiences and challenges of implementing mobile phone banking in the country by various rural banks, regulators, mobile network operators, and mobile money services.
This document describes a 4 step process: 1) raw materials, 2) spraying threads, 3) slicing, 4) rolling into a finished product. The document outlines the basic production process from start to finish in a very concise manner using just 4 short steps.
The document provides an outline for Term 2, Week 10 activities for e-Learners at Putauaki, including a morning review on the previous week's tasks, working in groups to complete self-assessments and portfolios, brainstorming activities related to "Me and My Brain", creating mind maps, providing feedback to peers, and reflecting on work through blogging. Students will also engage in learning to paraphrase other points of view, keep on task with one-on-one check ins, and share selected work in group sessions.
The document provides instructions for creating a 5-slide PowerPoint presentation using digital photos to share 5 important things about yourself. Each slide should include a central photographic image relating to one of the 5 things, the presenter's first name in small text, and a simple statement connecting the photo to one of the 5 things. The document then shows examples of 5-slide presentations created by different students following the instructions, with photos and statements about friends, hobbies, school, family and other personal interests.
The document discusses the characteristics of mammals. It notes that mammals have advanced nervous systems and skeletons that allow them to adapt to living on land, sea, and air. Key characteristics of mammals mentioned include: having lungs and hair/fur; giving birth to live young; mothers producing milk to feed babies; and maintaining a constant body temperature. Examples are provided for each characteristic, such as dolphins living in water, elephants having lungs, and dogs maintaining a constant temperature.
This document discusses mobile development and provides examples of key aspects of mobile app development for Android including:
- Mobile platforms and their characteristics like personalization, location awareness, and attention.
- The basic Android architecture including activities, services, broadcast receivers, and content providers.
- Examples of how to create a Twitter app using activities, services, and OAuth authentication.
- Demonstrations of aspects like the activity lifecycle, AsyncTask, and using services for background tasks.
- Explanations of layouts, broadcasts, alarms, and scheduling repeating tasks.
The document is a PowerPoint presentation by the Tech Team C consisting of 5 slides for each member. Each slide includes a central photographic image relating to something important about that person along with 1-2 sentences of text. Team members include Cruize, Elisa, Kevin, Martin, Paris, and Ryan, with each person highlighting their interests, hobbies, and things they enjoy through photos and brief captions.
This document contains the agenda for a PeaK-ICT Middle Leaders Hui (workshop). The agenda includes discussions on post-conference feedback, reporting requirements, sustainability of ICT professional development, sharing of teacher-created resources between schools, and demonstrations of tools like ActivInspire. Various energizer activities, overviews, and reviews are also included on the agenda.
Digital Photography in Powerpoint focuses on a theme scavenger hunt presentation assignment where students are tasked with finding a series of photographic images on a single theme and grouping them together on one slide in PowerPoint with no white spaces visible between images. The presentation is to be completed by members of Tech Team C, including Nicholas, Rebecca, Cruize and Taneika.
Udayan Care Volunteer Programme For Slidesharekiran modi
Udayan Care seeks to engage volunteers in supporting disadvantaged children. Their volunteer program provides opportunities for mentoring, teaching skills, and helping with projects. Volunteers gain experience while helping children access education, healthcare and family support. The organization has benefited from long-term volunteers who provide stability and help the children develop.
Пожизненное обучение: критика больших данных в образованииIvan Travkin
Презентация к докладу на конференции «Современные информационные технологии в обучении» ("виртуальная" секция "Продвижение технологий электронного обучения в современном образовательном пространстве"), 22 апреля, 2015. Институт открытого и дистанционного образования, Южно-Уральский государственный университет (Челябинск).
The document outlines several scavenger hunt activities for students in the e-Learners Team at Putauaki collage. The activities include creating a scavenger hunt collage by collecting photographic images from nature, finding photos for each letter of the alphabet, choosing a topic to find 20 photos of, answering questions about New Zealand and world facts by searching online, and locating images of 16 important places in New Zealand. The students are instructed to upload their photos to Mosaic Maker to complete the activities.
Grace created a PowerPoint presentation titled "I Spy" where she found one small object less than 1 centimeter to represent each letter of her first name. The presentation included 9 slides with a central photographic image and the corresponding letter visible on each slide. The images included hints like "There are millions of them" and "Something sticky" without revealing the objects until the final letter slide.
This document provides instructions for completing a collaborative speaking activity. It instructs students to download recording software, record their responses individually using MP3 format, upload their recordings to the individual forum, and provide weekly feedback and encouragement to classmates to motivate discussion of the proposed topic. It also advises students not to submit their activity on the last day. The document then provides sample questions for students to answer with their own personal information as part of the speaking activity.
1. The document provides instructions for a six word digital memoir photography project, where students take one photo and write a six word sentence to describe it.
2. The criteria includes using one central photo per slide, a six word descriptive sentence, including your first name at the bottom, and creating a title slide and six slides.
3. Examples of student projects are then shown following the instructions, with a photo and six word sentence on each slide.
This document contains presentations from students in Tech Team B about 5 important things about themselves. Each student's presentation includes 5 slides with a central photographic image on each slide and a simple caption relating to the image and representing one of the 5 important things about the student. The students' first names are included at the bottom of each slide. The presentations provide insights into the students' interests, which include animals, nature, sports, hobbies and important people and places in their lives.
The candidate is seeking new opportunities as a kitchen and bath designer and is actively looking for both permanent and contract positions. They have over 21 years of experience in various design fields including interior design, graphic design, and exhibit design. They most recently worked as a kitchen and bath designer for a members-only buying club but their position was eliminated due to the location closing.
The document discusses the changing landscape of retail banking, as customer expectations and behaviors change with advancing technology. It notes that while branches remain important for some transactions, most customer interactions now occur through digital channels like internet and mobile banking. This poses challenges for traditional banks still relying on outdated systems. The document also discusses new competitors entering banking like payment platforms and peer-to-peer lenders. It argues that banks must improve their omnichannel offerings and use customer data to strengthen relationships in order to retain customers and remain relevant in this evolving environment.
Market Gravity's top trends for Financial Services in 2015. We've worked on a range of FS propositions in the last few months and during this time we've uncovered some interesting trends and precedents featuring some of the world's biggest companies, as well as a range of disruptive starts ups.
We'd like to share some of our favorites to serve as some 'Finspiration' for 2015.
- Neobanks
- Digital Investment Platforms
- Enhanced Customer Experiences
- Security & Authentication Alternatives
- Youthful Banking
- Alternative Scoring Mechanisms
- Improving the Back End
- Banking with Wearables
For more information, please get in touch.
This document describes a 4 step process: 1) raw materials, 2) spraying threads, 3) slicing, 4) rolling into a finished product. The document outlines the basic production process from start to finish in a very concise manner using just 4 short steps.
The document provides an outline for Term 2, Week 10 activities for e-Learners at Putauaki, including a morning review on the previous week's tasks, working in groups to complete self-assessments and portfolios, brainstorming activities related to "Me and My Brain", creating mind maps, providing feedback to peers, and reflecting on work through blogging. Students will also engage in learning to paraphrase other points of view, keep on task with one-on-one check ins, and share selected work in group sessions.
The document provides instructions for creating a 5-slide PowerPoint presentation using digital photos to share 5 important things about yourself. Each slide should include a central photographic image relating to one of the 5 things, the presenter's first name in small text, and a simple statement connecting the photo to one of the 5 things. The document then shows examples of 5-slide presentations created by different students following the instructions, with photos and statements about friends, hobbies, school, family and other personal interests.
The document discusses the characteristics of mammals. It notes that mammals have advanced nervous systems and skeletons that allow them to adapt to living on land, sea, and air. Key characteristics of mammals mentioned include: having lungs and hair/fur; giving birth to live young; mothers producing milk to feed babies; and maintaining a constant body temperature. Examples are provided for each characteristic, such as dolphins living in water, elephants having lungs, and dogs maintaining a constant temperature.
This document discusses mobile development and provides examples of key aspects of mobile app development for Android including:
- Mobile platforms and their characteristics like personalization, location awareness, and attention.
- The basic Android architecture including activities, services, broadcast receivers, and content providers.
- Examples of how to create a Twitter app using activities, services, and OAuth authentication.
- Demonstrations of aspects like the activity lifecycle, AsyncTask, and using services for background tasks.
- Explanations of layouts, broadcasts, alarms, and scheduling repeating tasks.
The document is a PowerPoint presentation by the Tech Team C consisting of 5 slides for each member. Each slide includes a central photographic image relating to something important about that person along with 1-2 sentences of text. Team members include Cruize, Elisa, Kevin, Martin, Paris, and Ryan, with each person highlighting their interests, hobbies, and things they enjoy through photos and brief captions.
This document contains the agenda for a PeaK-ICT Middle Leaders Hui (workshop). The agenda includes discussions on post-conference feedback, reporting requirements, sustainability of ICT professional development, sharing of teacher-created resources between schools, and demonstrations of tools like ActivInspire. Various energizer activities, overviews, and reviews are also included on the agenda.
Digital Photography in Powerpoint focuses on a theme scavenger hunt presentation assignment where students are tasked with finding a series of photographic images on a single theme and grouping them together on one slide in PowerPoint with no white spaces visible between images. The presentation is to be completed by members of Tech Team C, including Nicholas, Rebecca, Cruize and Taneika.
Udayan Care Volunteer Programme For Slidesharekiran modi
Udayan Care seeks to engage volunteers in supporting disadvantaged children. Their volunteer program provides opportunities for mentoring, teaching skills, and helping with projects. Volunteers gain experience while helping children access education, healthcare and family support. The organization has benefited from long-term volunteers who provide stability and help the children develop.
Пожизненное обучение: критика больших данных в образованииIvan Travkin
Презентация к докладу на конференции «Современные информационные технологии в обучении» ("виртуальная" секция "Продвижение технологий электронного обучения в современном образовательном пространстве"), 22 апреля, 2015. Институт открытого и дистанционного образования, Южно-Уральский государственный университет (Челябинск).
The document outlines several scavenger hunt activities for students in the e-Learners Team at Putauaki collage. The activities include creating a scavenger hunt collage by collecting photographic images from nature, finding photos for each letter of the alphabet, choosing a topic to find 20 photos of, answering questions about New Zealand and world facts by searching online, and locating images of 16 important places in New Zealand. The students are instructed to upload their photos to Mosaic Maker to complete the activities.
Grace created a PowerPoint presentation titled "I Spy" where she found one small object less than 1 centimeter to represent each letter of her first name. The presentation included 9 slides with a central photographic image and the corresponding letter visible on each slide. The images included hints like "There are millions of them" and "Something sticky" without revealing the objects until the final letter slide.
This document provides instructions for completing a collaborative speaking activity. It instructs students to download recording software, record their responses individually using MP3 format, upload their recordings to the individual forum, and provide weekly feedback and encouragement to classmates to motivate discussion of the proposed topic. It also advises students not to submit their activity on the last day. The document then provides sample questions for students to answer with their own personal information as part of the speaking activity.
1. The document provides instructions for a six word digital memoir photography project, where students take one photo and write a six word sentence to describe it.
2. The criteria includes using one central photo per slide, a six word descriptive sentence, including your first name at the bottom, and creating a title slide and six slides.
3. Examples of student projects are then shown following the instructions, with a photo and six word sentence on each slide.
This document contains presentations from students in Tech Team B about 5 important things about themselves. Each student's presentation includes 5 slides with a central photographic image on each slide and a simple caption relating to the image and representing one of the 5 important things about the student. The students' first names are included at the bottom of each slide. The presentations provide insights into the students' interests, which include animals, nature, sports, hobbies and important people and places in their lives.
The candidate is seeking new opportunities as a kitchen and bath designer and is actively looking for both permanent and contract positions. They have over 21 years of experience in various design fields including interior design, graphic design, and exhibit design. They most recently worked as a kitchen and bath designer for a members-only buying club but their position was eliminated due to the location closing.
The document discusses the changing landscape of retail banking, as customer expectations and behaviors change with advancing technology. It notes that while branches remain important for some transactions, most customer interactions now occur through digital channels like internet and mobile banking. This poses challenges for traditional banks still relying on outdated systems. The document also discusses new competitors entering banking like payment platforms and peer-to-peer lenders. It argues that banks must improve their omnichannel offerings and use customer data to strengthen relationships in order to retain customers and remain relevant in this evolving environment.
Market Gravity's top trends for Financial Services in 2015. We've worked on a range of FS propositions in the last few months and during this time we've uncovered some interesting trends and precedents featuring some of the world's biggest companies, as well as a range of disruptive starts ups.
We'd like to share some of our favorites to serve as some 'Finspiration' for 2015.
- Neobanks
- Digital Investment Platforms
- Enhanced Customer Experiences
- Security & Authentication Alternatives
- Youthful Banking
- Alternative Scoring Mechanisms
- Improving the Back End
- Banking with Wearables
For more information, please get in touch.
This document discusses managing a banking distribution mix to be fit for purpose. It notes that customer behavior is shifting, with more information gathering and purchases happening online. While branches remain important, they are an expensive channel. The document recommends using technology to provide an assisted customer experience across channels. It highlights Shinsei Bank's experience in Japan transitioning to more online and remote services while maintaining in-person assistance. This includes initiatives like cashless tellers and remote processing to reduce branch costs while still serving customers.
This document discusses strategies for online banking customer satisfaction and retention at City Bank. It defines e-banking as transactions done through the internet, online or mobile. It discusses providing effective online services like bill payment, funds transfer, investing and shopping. It emphasizes retaining current customers through satisfying their needs with convenient online features. High satisfaction leads to increased loyalty, purchases and recommendations. Credit unions outperform banks in customer satisfaction and adoption of online services.
This document discusses digital banking versus branch banking and provides a roadmap for ING Vysya Bank to move towards more digital banking. It highlights the advantages of digital banking through a SWOT analysis and compares the products offered by ING Vysya Bank and Axis Bank. Additional features for ING's digital platform like wallets, chat, a virtual branch, and customized products are proposed. Research findings show a need for banks to improve digital services to increase profits and customer base.
This document discusses trends in customer loyalty in retail banking globally. Key points include:
- Customers are conducting over 50% of banking interactions through digital channels like mobile apps and websites in most countries surveyed. Mobile is the most used channel.
- "Omnichannel" customers who use both digital and physical channels have higher loyalty and purchase more products than customers relying on a single channel.
- However, over 1/3 of customers purchased a new banking product from a competitor in the past year, showing potential for banks to improve sales through digital channels.
Agent banking is a model that allows banks to extend their services through authorized third-party agents. It has grown in popularity globally as a way to improve access to financial services, especially in areas with low inclusion rates. In Nigeria, agent banking has expanded rapidly since 2013 when regulations were introduced and has helped increase inclusion from 63% in 2018 to 64.1% in 2020, though more progress is still needed. Statistics show agent banking has grown transactions significantly and provides convenient services to both customers and agents. While challenges remain, agent banking appears poised to continue playing a major role in the future of banking in Nigeria by extending access in currently underserved rural and urban areas.
- Digital banking is the future as surveys show 18-35 year olds prefer banks with better digital services and 65% of India's population is under 35.
- ING Vysya Bank should focus on customer retention through adopting ING Direct's simple approach to banking, while targeting 13-35 year olds with innovative online banking schemes and marketing to increase customers.
- The bank can launch a savings account for students, offer educational loans bundled with debit cards and online banking, and partner with e-commerce sites to boost its digital services and target younger customers.
MortimerHarvey - Business Times Bank of the Year survey 2014RynoMH
The document summarizes the results of the inaugural Bank of the Year Survey conducted by Intellidex, a financial services research house. Capitec Bank was the overall winner, outperforming larger rivals in customer satisfaction across most product categories. Absa, now trading as Barclays Africa, and Standard Bank were the biggest losers and received significant criticism from customers over poor service and high fees. The survey also found a correlation between banks' performance in customer satisfaction and their share prices on the Johannesburg Stock Exchange.
After economic liberalization in India, banks were forced to change their approach and embrace new technologies like e-banking to compete with foreign banks. E-banking allows customers to access banking services electronically without visiting a physical branch. It has grown in popularity in India and provides benefits like increased convenience, higher interest rates, and more services for customers. However, e-banking also presents challenges around security, lack of personal relationships, and limited complex transaction capabilities compared to traditional banking. Overall, e-banking has benefited both banks and customers in India but still needs increased awareness and education among users.
The ‘Omnichannel’ Nirvana and the future of bankingPhilip Brooks
The document discusses the changing landscape of retail banking as technology advances how customers interact with banks. It notes that while branches are still important for some transactions, most customer interactions now occur online or through mobile devices. The document analyzes customer data to identify different types of customers based on their channel usage, and finds that those who rely more on in-person or phone interactions are more emotionally connected to their bank and less likely to complain or switch. It concludes that banks must find ways to recreate strong emotional bonds with customers who primarily use online and mobile banking to improve customer retention and reduce complaints.
Rethinking Banking for an Always in Beta WorldAnthemis
Always in Beta unites human-centered design and business model innovation to help financial institutions reimagine their relationships to consumers. A project of Claro Partners and Anthemis Group, Always in Beta launched in early 2015 to help six international financial institutions – including BBVA, ING, Bank of Ireland, and Standard Bank – understand and respond to their changing customer base and the emerging financial technology landscape. The project took the team into six cities to conduct ethnographic field research and consult with experts. Executives from Anthemis, Claro, and the six financial institutions gathered in day-long sessions to share findings and begin developing business models that were responsive to those findings. We’ve released some of what we learned about the next-generation financial services customer and the future of financial services in this report.
After economic liberalization in India, banks were forced to change their approach and embrace new technologies like e-banking due to competition. E-banking involves using electronic methods like internet and mobile banking to conduct transactions instead of traditional paper-based processes. While e-banking provides benefits like convenience and lower costs, it also poses issues for banks like lack of personal relationships and security concerns that must be addressed for further growth in India.
CUSTOMER SATISFACTION project report on axis baNK 12.pptxPRASHANTJUNNARKAR
This document discusses digital banking services offered by Axis Bank in India. It provides an overview of Axis Bank, including its history and business objectives. It then describes several digital banking channels offered, including internet banking, mobile banking, QR code payments, and digital trade solutions. The document also discusses research conducted on customer satisfaction of Axis Bank's digital services and the benefits and security of digital banking.
guys this is a very good and nice ppt on internet banking. it covers so many topics in very limited slide. it looks attractive due to fonts, pictures and colours used in this presentation.
this presentation has good animations and looks beautiful and attractive.
Building customer loyalty in retail banking1SeymourSloan
Retail Banking is facing challnges on many fronts. Leading banks must defend their positions through improved loyalty. this means investing wislyin technology and propositions designed to please customers.
PROJECT-Impact of Internet banking services on customer loyaltyNabarun Paul
1. The document discusses the impact of effective internet banking services on customer loyalty. It begins by providing background on the banking industry, describing the various activities banks perform and channels through which they provide services to customers, including ATMs, mail, mobile and online banking.
2. It then discusses commercial business models for banks, which typically generate revenue through interest on loans, transaction fees, and financial advising. Various types of banks are also outlined such as retail, business, private, and investment banks.
3. Online banking is said to provide customers with a convenient way to conduct banking from home and check accounts anytime. It has changed transactional business and affects many industries.
Building customer loyalty in retail bankingSeymourSloan
Building loyalty within your customer base is essential as a platform for growth and in the face of the challenges from disruptors banks have no choice.
Similar to BankMobile (joint presentation: "The Secret to Building The Uber Mobile Banking App") (20)
Harsh Computing Environments in Financial Services MarketsDan Armstrong
This document discusses the challenges of providing computing services in remote financial institutions in developing countries. It provides examples of two banks, BPR in Rwanda and NMB in Tanzania, that have partnered with Rabobank to implement mobile and automated banking solutions. Both banks have expanded access to services through mobile banking apps and ATM networks. However, operating technology in remote, rural environments presents difficulties such as unreliable power, lack of infrastructure, environmental conditions, and scarce IT skills and resources. Rabobank aims to help banks overcome these challenges to increase financial inclusion.
The Consumer Side of NFC and Mobile PaymentsDan Armstrong
The document discusses mobile payments and NFC technology from a consumer perspective. It examines case studies of NFC adoption in the Netherlands and looks at approaches to mobile proximity payments. It also discusses expectations of digital wallets and payment instruments from consumers. Additionally, it explores how mobile financial services have leapfrogged traditional banking infrastructure in Rwanda through the use of mobile phones.
Mobile Financial Services Distribution: Partnerships, Alliances & Joint-VenturesDan Armstrong
Some thoughts and examples on success factors in implementing mobile / electronic payments services in partnerships, alliances, and joint-ventures. This includes varying views on collaboration for mobile payments. Players, financial cases and implementation. Also discussed are mobile network operators, banks, intermediaries and distribution trends.
Rabo Development Retail Distribution & Channel Strategies & Successes Dan Armstrong
Recent presentation on banking distribution in markets where mobile is the sole channel, and other markets where mobile adds differentiation and service extension to other banking channels.
Distribution Approaches & Collaboration TrendsDan Armstrong
The document discusses collaboration between mobile network operators (MNOs) and banks, including potential strengths and weaknesses. It provides examples of current MNO distribution collaboration agreements and discusses partnerships to launch mobile near-field communication (NFC) services. The "trusted services manager" role is described to help manage NFC applications on SIM cards. Integration of MNO mobile money systems with banks is also examined from the perspective of the bank's business and the bank customer.
Rabo Development & Sustainable DistributionDan Armstrong
Rabo Development is using mobile and branchless banking models to expand access to financial services in sub-Saharan Africa. They have launched several successful mobile banking programs through their partner banks in countries like Zambia, Malawi, Tanzania, and Rwanda. These programs allow customers to access services like balance checks, money transfers, bill payments, and prepaid services directly from their mobile phones without needing to visit a traditional bank branch. For example, in Rwanda, Rabo Development helped automate all 191 branches of the largest bank, BPR, and launch a mobile banking program that now has over 150,000 customers.
Rabo Development Retail Distribution Case Study: Mobile Banking and PaymentsDan Armstrong
The document discusses Rabo Development's efforts to promote mobile banking and payments in Africa through partner banks. It provides examples of how several partner banks in countries like Zambia, Tanzania, Rwanda, and Paraguay have launched mobile banking services to expand access to financial services. These services allow customers to check balances, transfer funds, pay bills, and purchase airtime using their mobile phones without needing to visit a bank branch. The document also discusses the business case for mobile banking in helping these banks acquire new lower-income customers and generate revenues from transactions while reducing operating costs.
techMAP Amsterdam: Thoughts on the Mobile WalletDan Armstrong
Slides accompanying the techMap Amsterdam talks tonight with Eelco van Wijk - CEO PayPal Benelux, David-Jan Janse (Rabobank), Wouter In 't Velt (VODW) and Geert-Jan van Nunen (4me).
techMAP Amsterdam: What's trending in 2012? A focus on SOLOMODan Armstrong
This document discusses the benefits of mobile banking for banked customers. It notes that mobile banking allows customers to access traditional banking services virtually through their mobile phones. The document lists the key services available through BPR Mobile Banking in Rwanda, including balance inquiries, money transfers between BPR accounts, bill payments, changing account settings, and ordering checkbooks. It encourages customers to take advantage of these mobile banking options.
This document discusses Rabo Development's mobile banking and payments programs in Africa. It provides examples of mobile banking apps launched by Rabo partner banks in countries like Tanzania, Rwanda, Malawi, and Zambia. These apps allow customers to perform tasks like checking balances, transferring funds, and purchasing airtime via their mobile phones without needing to visit a branch. The document outlines the growth and features of these various mobile banking programs, noting many have over 100,000 active customers. It argues these branchless banking solutions can help increase access to financial services for those in developing markets.
M-Commerce World Summit 2011 - IntroductionDan Armstrong
The document summarizes topics from the M-Commerce WorldSummit 2011 conference including:
- Mobile banking and payments have become mainstream with hundreds of banks offering mobile apps and services.
- Mobile payments are expected to exceed $600 billion globally by 2013 across various models like SMS, NFC, and mobile wallets.
- Questions are raised about what truly constitutes "mobile money" and banking the unbanked.
- NFC technologies are being trialed in many countries but are they ready for widespread adoption?
- The mobile phone is bringing changes like app stores challenging traditional telecom operators and banks.
Mobile Banking & Rabo Development Partner BanksDan Armstrong
A brief presentation made for Rabobank Groep ICT on Rabo Development partner banks and the launch of mobile banking in Zambia, Tanzania, Malawi and Rwanda (2008-2010).
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6. Page 6
• ~68 million Americans are unbanked or under-banked
• Banks charge $32 billion in overdraft fees annually – with the bulk paid by middle-income
Americans
o That’s more than we spend on vegetables annually
o That’s 3x more that what we spend on breast and lung cancer combined
• Payday lenders charge consumers another $7 billion in fees annually
• In 2014, for the first time, US customers interacted with their banks more through mobile devices
than any other means .. including traditional online channels, ATMs, and branch visits
• On average, customers visit bank branches 1-2 times per year vs. interacting with their bank 20-30
times/month on their mobile device
Fast forward to 2015
8. Page 8
• No fees
• Checking, Savings, Line of Credit, Joint Accounts, Fee Free
Overdraft protection
• Higher savings rates than the largest 4 banks
(at least 0.25% APY higher rate, guaranteed)
• Access to every ATM in the country for free
• Free personal banker
• Free financial advisor on-call
• Open an account in less than 5 minutes on your phone
BankMobile Features
9. Page 9
• Mobile-first banking and payments work, and are trusted by customers –
young and old
• Let customers decide what to use, and how to use it (#BYOB)
• As virtual as we think you want to be, there’s no substitute for incredible
customer service and talking to real people
• It is possible to create financial tools, products and services that truly add
value to customers’ lives, and that they enjoy using
What We’ve Learned
10. Page 10
• Banks like virtualization: it reduces costs and churn, makes a nice
marketing story
• But for consumers: banking can be boring, or at times perfunctory
• Can we truly change how people feel about banking?
• Can the bank really be a meaningful and useful partner for a consumer?*
We are only at the start of understanding the mobile channel.
Challenge
* just like bank advertisements promise