Keep track of your investments with Bloomberg, Paypal bump app payments and locate an ATM with augmented reality technology. http://www.exiconglobal.com/report-download/finance
Advanced Hmi Autotechinsider White Paper 11 10coachdave
Why the Automotive UI – Strategic to the Brand and sells more Cars.
Take our latest survey and receive the results to understand why.
https://www.surveymonkey.com/s/AUTO_UI_2012_1
Case Study: Building a Long Term Strategy for Mobile
Presented by: Xavier Petit, Integrated Marketing - Multi-Channel Strategy Services, Shire
Xavier will share lessons learned and quick wins that demonstrate how pharmas may embrace mobile as part of their integrated marketing and communications platform. He will also discuss why it is very important to build a long term mobile strategy.
www.bdionline.com
Advanced Hmi Autotechinsider White Paper 11 10coachdave
Why the Automotive UI – Strategic to the Brand and sells more Cars.
Take our latest survey and receive the results to understand why.
https://www.surveymonkey.com/s/AUTO_UI_2012_1
Case Study: Building a Long Term Strategy for Mobile
Presented by: Xavier Petit, Integrated Marketing - Multi-Channel Strategy Services, Shire
Xavier will share lessons learned and quick wins that demonstrate how pharmas may embrace mobile as part of their integrated marketing and communications platform. He will also discuss why it is very important to build a long term mobile strategy.
www.bdionline.com
How does one define whether a firm operating in the mobile phone industry is more or less successful? Some argue that success should be measured using the metrics defined by the titans of industry. Warren Buffet, one of the most successful investors of our time uses “Return On Invested Capital” (ROIC) as the key measure of enterprise success. However, using this measure Apple is only slightly (1.5%) more successful than Research in Motion (RIM) table 1 refers.
However, for the purposes of this paper we have defined success as a firm's ability to strategically position its self as a high-end premium brand, with a reputation as the market leader in quality, customer satisfaction and steadily growing market share. Using these metrics, we propose that clearly Apple is the more successful of the two.../
The results from a 30 question quantitative survey with over 120+ respondents, and 2 qualitative focus groups were used to analyze perceptions, needs and wants of business users in California and beyond. Results were presented in the paper and a 20 minute presentation, alongside recommendations for both brands.
REDMADROBOT offers enterprise mobility solutions and bespoke app development.
We create apps with a user-friendly interface, robust code, and impeccable UX and could definitely beat pretty much everyone when it comes to building mobile apps in Russia and Eastern Europe.
Mobile Monday Boston - Compelling Mobile Business Modelskateimbach
Slides from the Mobile Monday Boston event, "Compelling Mobile Business Models" on January 12, 2009, generously sponsored by Bain Capital Ventures.
Jeff Glass and Ajay Agarwal from Bain provided the keynote and discussed the current climate for mobile investing. Then presenters from early stage mobile companies (AppVee, Celtra), mid stage companies (Jumptap, MocoSpace), and late stage (Airvana), discussed their business models.
Project BBX - Turnaround Plan for Blackberry (Summer 2012)Robin Chan
Today Blackberry announced plans to look for a buyer. Over a year ago, I helped form a secret product and engineering team based Silicon Valley that was keenly interested in taking over the company. We wanted to move the company and its passionate customers to a custom enterprise tier of Android. We saw a troubled company that could be saved. We secured commitments of over $1B to pursue a turnaround. But we needed at least $5B more. Now, a year later, the strategy of an enterprise grade Android company is still sound, but it just might be too late to save Blackberry as an independent company.
Mobile Device Makers Expand to Mobile InternetIBMElectronics
Mobile device makers are looking to develop new avenues to expand their core device offerings. The growing market for mobile Internet services may revitalize MDM growth and send them profitably.
Toko Bunga Surabaya, Jual Karangan Bunga Surabaya, Jual Bunga Papan Surabaya, Jual Bunga Ucapan Surabaya, Jual Rangkaian Bunga Surabaya, Jual Buket Bunga Surabaya, Bunga Ucapan Selamat, Bunga Ucapan Duka Cita, Bunga Papan Selamat, Bunga Papan Duka Cita
How does one define whether a firm operating in the mobile phone industry is more or less successful? Some argue that success should be measured using the metrics defined by the titans of industry. Warren Buffet, one of the most successful investors of our time uses “Return On Invested Capital” (ROIC) as the key measure of enterprise success. However, using this measure Apple is only slightly (1.5%) more successful than Research in Motion (RIM) table 1 refers.
However, for the purposes of this paper we have defined success as a firm's ability to strategically position its self as a high-end premium brand, with a reputation as the market leader in quality, customer satisfaction and steadily growing market share. Using these metrics, we propose that clearly Apple is the more successful of the two.../
The results from a 30 question quantitative survey with over 120+ respondents, and 2 qualitative focus groups were used to analyze perceptions, needs and wants of business users in California and beyond. Results were presented in the paper and a 20 minute presentation, alongside recommendations for both brands.
REDMADROBOT offers enterprise mobility solutions and bespoke app development.
We create apps with a user-friendly interface, robust code, and impeccable UX and could definitely beat pretty much everyone when it comes to building mobile apps in Russia and Eastern Europe.
Mobile Monday Boston - Compelling Mobile Business Modelskateimbach
Slides from the Mobile Monday Boston event, "Compelling Mobile Business Models" on January 12, 2009, generously sponsored by Bain Capital Ventures.
Jeff Glass and Ajay Agarwal from Bain provided the keynote and discussed the current climate for mobile investing. Then presenters from early stage mobile companies (AppVee, Celtra), mid stage companies (Jumptap, MocoSpace), and late stage (Airvana), discussed their business models.
Project BBX - Turnaround Plan for Blackberry (Summer 2012)Robin Chan
Today Blackberry announced plans to look for a buyer. Over a year ago, I helped form a secret product and engineering team based Silicon Valley that was keenly interested in taking over the company. We wanted to move the company and its passionate customers to a custom enterprise tier of Android. We saw a troubled company that could be saved. We secured commitments of over $1B to pursue a turnaround. But we needed at least $5B more. Now, a year later, the strategy of an enterprise grade Android company is still sound, but it just might be too late to save Blackberry as an independent company.
Mobile Device Makers Expand to Mobile InternetIBMElectronics
Mobile device makers are looking to develop new avenues to expand their core device offerings. The growing market for mobile Internet services may revitalize MDM growth and send them profitably.
Toko Bunga Surabaya, Jual Karangan Bunga Surabaya, Jual Bunga Papan Surabaya, Jual Bunga Ucapan Surabaya, Jual Rangkaian Bunga Surabaya, Jual Buket Bunga Surabaya, Bunga Ucapan Selamat, Bunga Ucapan Duka Cita, Bunga Papan Selamat, Bunga Papan Duka Cita
50+ thinkers and planners within MSLGROUP share and discuss inspiring projects on corporate citizenship, crowdsourcing and storytelling on the MSLGROUP Insights Network. Every week, we pick up one project and do a deep dive into conversations around it -- on the MSLGROUP Insights Network itself but also on the broader social web -- to distill insights and foresights. We share these insights and foresights with you on our People’s Insights blog and compile the best insights from the network and the blog in the iPad-friendly People’s Lab Quarterly Magazine, as a showcase of our capabilities. This week, our topic is Facebook Timeline Apps. For more, see:http://peopleslab.mslgroup.co
The BankMobile App - Smartphone First ImpressionsDavid Gerbino
Visual first impressions of opening an account with the BankMobile app. BankMobile officially launched on January 14, 2015. This slideshow is part of an article about BankMobile published on The Financial Brand website.
Here is the the link to the article: http://thefinancialbrand.com/49570/bankmobile-digital-banking-millennials/
How Barclays made the business case for accessibility - webinar notesAbilityNet
Slides from an AbilityNet webinar delivered on 21 October 2014
Many marketing and business people - and the web developers and digital designers that work for them - see accessibility as a legal necessity. Something that costs extra and takes longer.
So why would a global bank like Barclays be putting accessibility at the heart of its digital strategy? How does it relate to their marketing strategy? What does it have to do with the drive for better customer services or competitive advantage?
This webinar took the form of an interview with Paul Smyth, Head of IT Accessibility at Barclays. He has been a leading advocate for accessibility inside the organisation and will explain:
- the breakthrough moments which led to the Chairman and CEO placing accessibility at the heart of their business strategy
- the tangible benefits the business is already seeing
- the effect it has had on internal culture and digital design processes.
- advice to organisations starting out on their accessibility journey as to how to organise themselves for success
Although it focuses on Barclays this session will show how accessibility can bring benefits to any business. It will be of value to anyone trying to win the case for accessibility in their own organisation - and will be a wake up call for the business leaders and digital decision-makers who have yet to be convinced.
Hosted by Robin Christopherson and Mark Walker of AbilityNet.
Banking Services Marketing Automation and Omni-channel BankingShepHertz
Accelerate Digitization in banking by providing omni-channel customer experience using Predictive Analytics, Marketing Automation, Api Management with ShepHertz.
Barclays U.S - Building the customer experienceMagnolia
Presenter: Sebastian Napoli, Co-founder, NRG Edge
Magnolia CMS and NRG Edge have played significant roles in helping Barclays U.S. online banking build its customer experience. Today, the bank’s marketing site is responsively designed and fully integrated with Magnolia. Not only is the site’s static information content managed, but Magnolia is integrated with the display of dynamic rates and fees and is used to manage helpful “consumer tools” that incorporate calculators and instructional demos. The bank’s journey continues as it now moves to content manage its secure transactional site. We'll share the experience of the journey with conference attendees and talk about the opportunities and challenges ahead.
An Android Project which was developed to give the user's a brand new chatting experience and was presented as Bachelor of Engineering Completion Project. It was successfully implemented on a local network to explore its functionality, and it has the potential to be implemented on a global scale.
OOW15 - Oracle E-Business Suite Technology: Latest Features and Roadmapvasuballa
This Oracle development session provides an overview of Oracle’s product strategy for Oracle E-Business Suite technology, the capabilities and associated business benefits of recent releases, and a review of capabilities on the product roadmap. This is the cornerstone session for Oracle E-Business Suite technology. Come hear about the latest new usability enhancements of the user interface; systems administration and configuration management tools; security-related updates; and tools and options for extending and customizing Oracle E-Business Suite and integrating it with other applications.
Open Bank Project workshop at API Days, Open BankIng and Fintech, London 2015TESOBE
Slides of OBP workshop. OBP is an open source RESTful API for banks that connects to and abstracts the core banking systems underneath. A bit more technical than slides from previous day. Contains notes on API versioning, catalog, system diagram.
6 Industry Sectors Growing from Mobile App DevelopmentMobibizIndia1
Companies of all sizes are benefiting from the thriving mobile app trends. Even startups are turning to innovative app solutions to attract and retain customers while staying ahead of the competition. Let's closely look at the advantages mobile apps offers to industries.
Mobile Banking App Development A Complete Guide.pdfSuccessiveDigital
This is an article about mobile banking app development. It discusses the benefits and challenges of mobile banking apps. It also details the steps involved in developing a mobile banking app. Some of the important points from this website are that mobile banking apps offer convenience and security for users. They can also help banks save money. However, there are also challenges to developing mobile banking apps, such as data security and regulatory compliance.
Super Apps in Banking: A Massive Revolution!Techugo
A super app is a mobile application that offers a wide range of services within a single platform. These services can include everything from messaging and social networking to e-commerce and online banking. In the context of banking, a super app might offer a variety of financial services such as account management, bill pay, peer-to-peer payments, and investment management, among others. Super apps are designed to be convenient for users by providing a single location for accessing a wide range of services, and they often have a strong focus on user experience. To know more visit the post.
Strategies to improve the ROI on your enterprise applicationPixel Crayons
Read the full blog here: https://bit.ly/34IUN7a
Connect with us through:
Contact us : https://bit.ly/2Ew2GDx
Facebook : https://www.facebook.com/PixelCrayons
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LinkedIn : https://www.linkedin.com/company/pixelcrayons
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Pinterest : https://in.pinterest.com/pixelcrayons/
User Insight Vol.1 - Brokerage iPhone apps: Examining the Mobile User ExperienceCorporate Insight
In this study, Corporate Insight's User Research team examined some of the brokerage industry’s most popular mobile apps. CI conducted small-scale usability tests on iPhone apps offered by Charles Schwab, E*TRADE, Fidelity, and Merrill Lynch focusing on design and core features like trade order entry and stock quotes. This slide deck shares the key findings from our mobile usability testing results and also offers advice for financial services firms looking to optimize the mobile user experience on their apps.
The mobile channel is increasingly important to retail financial services firms. This is driven by a variety of factors, including the widespread adoption of smartphones, more powerful phone operating systems and,
crucially, the rise of Millennial customers.
In our February 2016 survey of online investors, 71% of Millennials indicated that they had logged into their
brokerage account using a mobile device in the past 12 months, compared to 44% of Baby Boomers. Further,
51% of Millennials said that their brokerage firm’s mobile capabilities were “very important” or “extremely
important” to them, versus 23% of Baby Boomers. Our recent surveys of retirement plan participants and bank
customers show similar generational differences. Collectively, these surveys suggest mobile will increasingly define the digital experience for financial services as Millennials become the industry’s core customer base.
To accommodate changing customer demographics and the growing significance of the mobile experience, we expect financial services firms to continue to enhance their apps this year. Developments may include 3D Touch and leveraging such cutting edge capabilities as artificial intelligence (AI), voice technology and expanded biometric authentication techniques. Some will likely introduce more personalized content and offer easier access to key account information (e.g., pre-login), making it simpler for clients to interact with them. In this annual mobile trends
review, we explore these and other trends and innovations that are likely to shape the mobile experience this year and beyond.
A Platform for Mobile Enterprise Management: Build, Run and Manage Your Mobil...Antenna Software
To offer a truly differentiated mobile experience, businesses need to consider the full spectrum of what mobility has to offer. AMPchroma provides the overarching paradigm for achieving mobility excellence and is the only mobile cloud platform that enables you to deliver on this promise.
2014 top mobile trends. Discover which trends are shaping what marketers will need to know in the coming months and years to take advantage of the mobile opportunity.
A must-read before finalizing your marketing plans
IAB Mobile Revisted 15 September - Hugues Rey
L’Internet mobile, un concept qui entraîne encore plus de changements que l’Internet fixeLes versions mobiles ou les équivalents des services Internet touchent un public beaucoup plus large et sont lucratifs. Très lucratifs.Si vous pensiez que l'Internet était important, sachez que l'Internet mobile le sera plus encore au cours de cette décennie. Regardez ne fût-ce que l'iPad. Les principales entreprises Internet le clament déjà : « Mobile First » !Si vous voulez savoir pourquoi l'internet mobile est si important, et comment vous pouvez l'utiliser pour générer plus de visiteurs et donc plus de revenus, venez donc le jeudi 15 septembre à la première activité que Stichting Marketing, IAB Belgium et Mobile Monday organisent ensemble.Nous avons le plaisir de vous présenter : - en exclusivité, l'étude Worldwide Mobile Usage d'InSites/IAB - un programme adapté, destiné au « Mobile Savvy » et au « Mobile Newbie », proposé par des experts belges - une session avec Jonathan MacDonald, un expert en communication connu de TEDx Manchester et co-fondateur de This Fluid World & Every Single One of US Découvrez – et repartez peut-être avec – les derniers smartphones !Programme18:15 Welcome (à boire et à manger vous seront offerts)19:00 Introduction par le groupe d'experts19:15 “IAB MC DC 2011: How Belgian consumers use mobile compared with the rest of the world” par Elias Veris (Insites)20:00 Track pour les Mobile Newbies 1. Nicolas Vanderseypen (FR) (Isobar) - “Objectives, KPI’s, stratégie et opportunités” 2. Patrick Bosteels (Mobile Mondays, The Creative Stores) (NL) - “Pertinence de l'évolution mobile du consomateur final”20:00 Track pour le Mobile Savvy 1. Wim Vermeulen (Momads) (NL) - “City marketing case: de App van ‘t Stad” (TBC) 2. Hugues Rey (HAVAS Media) (FR) - “Lead generation through mobile”21:00 Session finale par Jonathan MacDonald (Thought-leader, co-founder de This Fluid World & Every Single One Of Us)
Ninety Consulting: The Omnichannel InsurerDan White
Some insurers are already pursuing omnichannel, but other sectors, e.g. retail, are seen as more advanced and could yield lessons for insurers. In Part 1 of this two-part paper, we look at some of the initiatives and issues that are emerging as insurers try to move to an omnichannel approach. In Part 2, released separately, we look at examples and lessons from other sectors and try to answer the question ‘What can insurers learn about omnichannel from other industry sectors?’ We will conclude by making some keynote recommendations and predictions about the changing nature of omnichannel and its impact on the insurance sector.
The time for big brands to get strategic about marketing their apps is now. Mobile apps are no longer standalone entities for big brands. What we’re now seeing is brands integrating mobile apps into their business models and their overall marketing strategies -- to build closer customer relationships and drive business.
It’s no longer enough for brands to just have an app (or a suite of apps) and promote it through traditional channels. Now that brands recognize the impact mobile apps are having on business, their focus is shifting to employ a strategic marketing approach to their apps.
All this means that big brands are starting to treat their apps as more than just another channel – they’re treating them as a business. And they’re getting serious about marketing their apps, by putting the marketing resources behind them and incorporating apps as part of their ongoing strategy.
Top-tier brands like Coca Cola®, Sephora®, Wal-Mart®, and many more are all publically talking about the central role apps play in their marketing strategy. Here, we’ll describe what some of those brands are doing, how they’re doing it, and outline 10 strategic moves brands are employing to get more strategic about their mobile apps.
App-solutely Essential presentation at the American Chamber of Commerce Hong Kong, Nov 2014.
Stefan Rust from Exicon will cover in his presentation what's going on in the mobile industry these days, why "mobile is eating the world", how to help companies getting into mobile.
View here the video of the presentation: http://www.prod.exicon.link/videos/
“Apps are for loyalty, web is for acquisition.” Travel apps have one of the highest user retention rates of any category of app, with 50% of users retaining apps after 90 days, and using them three times a week. For many travellers, an extensive arsenal of apps is an indispensable part of the airport journey, and we can expect mobile applications to soon become even more ubiquitous, for the passenger of the future is quite literally always connected.
Exicon's founder Cat Rust met with a fun crowd from all over the world in Hong Kong for the InterDirect Conference at the new L'Hotel in Aberdeen. It's a group of independent agencies here to learn about all kinds of things one of which was mobile and marketing. Check out the mobile marketing presentation for more details on how it's all about the app and that the web is dead.
Mobile & Hotels - The ultimate mobile customer journeyExicon
What’s happening in the Hotel industry? Snapshot of the key metrics for going mobile and how industry players are now heading towards digitization. It's the appcessorizing era, everything is now being connected to an app!
Embrace or die - How mobile can accelerate your businessExicon
Learn about how mobile can accelerate your business in practical terms.
• The mobile landscape and example of companies making the most of it
• What to consider when you go mobile
• Practical tactics used in mobile marketing, tools and features, mobile ROI, and the core characteristics of successful mobile marketing campaigns
• Learn what some of those buzzwords mean to demystify mobile - Augmented Reality, GPS, SoLoMo, Gamification, QR codes etc
Find out what mobile could be doing for your business.
App life cycle management company - Appcessorize Everything! Exicon
It's all about going mobile, apps are becoming our daily necessities, they are exploding across industries - allowing one to always be connected. In fact, research from Breg Insight states that mobile app downloads are to reach 108 billion by 2017. Check out our latest deck in order to get a deeper understanding about the value of applications & subsequently going mobile.
For other reports and insights, click through to our website - http://www.exiconglobal.com/corp/our-products/industry-updates/
Exicon's CEO, Stefan Rust, takes a closer look at what's happening in China when it comes to mobile marketing and app development for brands and agencies.
Track your speed and map your route with Nike, snow reports with Northface and find the perfect lense on your ipad with Oakley. http://www.exiconglobal.com/report-download/sportswear
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
2. INTRODUCTION
Part of a series of updates on how brands across major
industry sectors are embracing mobile as part of their digital,
marke9ng or product strategy.
We have reviewed over 1000 branded mobile applica9ons
and summarized the key findings and trends to give you a
snapshot of who is doing what and how.
This update focuses on the Banking and Finance Industry.
Other updates for brands will be available for the following
industries:
• Automo9ve (available now) • FMCG
• Airline (available now) • Cosme9cs
• Luxury Fashion (available now) • Food & Beverage
• Sportswear (available now) • Alcoholic Beverages
• Retail • Hospitality
To automa9cally receive Exicon’s Branded App Updates,
subscribe at hLp://digital.exicon.mobi/reports
2 Branded Apps & Finance
digital.exicon.mobi
3. OVERVIEW
Personal Finance Apps Are A
Natural Fit For Mobile
Key ObservaMons
The mobile phone is now much more
than just a phone, it is an enabled device
that allows its users to carry out financial
transac9ons.
Mobile banking, un9l recently, was most
oZen conducted via SMS or the Mobile App Spotlight
Web.
Future Trends
From big na9onal chains to smaller
regional outposts, banks have improved Conclusion
the func9onality of mobile banking so
that consumers can transfer funds, pay
bills or check balances whenever and
wherever they may be.
About 80% of banks offer some form of mobile
banking. Jupiter Research
3 Branded Apps & Finance
digital.exicon.mobi
4. KEY OBSERVATIONS
1
1000+ branded apps reviewed to date
% share by industry
Cosme9cs
UMlity Is Top App Airline Fashion
Feature
Hospitality
Majority of banking and finance apps focus
on comple9ng personal banking transac9ons
Alcohol
with banking and finance brands making up
13% of the total apps reviewed. Finance
Food & 13%
Beverage
Many brands issue apps across a broad range
of products ‐ retail banking, credit card/
Luxury
financial services, investment banking, FMCG
Goods
personal finance, insurance, and mortgages.
Retail Automo9ve
Typical finance app u9li9es are to transfer
money, pay bills, and check account
balances. A few banks, however, are using
innova9ve ways (games, built‐in camera, The earliest mobile banking service was offered
augmented reality) to engage consumers. via SMS in 1999. Taskon
4 Branded Apps & Finance
digital.exicon.mobi
5. KEY OBSERVATIONS
2 Retail Banking
Focuses On
UMlity
Majority of retail bank apps provide
immediate access to money and financial
assets, elimina9ng the need to visit a
branch.
Typical u9lity func9ons include checking
account balances, paying bills,
transferring money, loca9ng ATM/branch
loca9ons.
Example: Chase currently has one of the most popular
finance apps on iTunes App Store. It’s popularity stems
from a slick and easy to use interface and the major
feature of mobile check deposit, which is also available
for Android Phones.
5 Branded Apps & Finance
digital.exicon.mobi
6. KEY OBSERVATIONS
3 Apps Tailored
to Individual
Products
Not all brands opt to integrate mul9ple
func9ons into one app, such as ATM/
Branch locator, choosing instead to have
several individual apps for these specific
func9ons.
Currently, MasterCard, American Express,
and Ci9bank lead in terms of number of
apps issued.
Most brands offer apps to encourage
card purchases by iden9fying daily deals
or deals based on consumer’s present Example: MasterCard offers at least six different iPhone apps
loca9on. focusing around their ‘priceless’ marke9ng theme. Apps
focusing on finding experiences, discounts or offers; 9me
saving apps with easy to access informa9on, or easily transfer
funds to an other person.
6 Branded Apps & Finance
digital.exicon.mobi
7. KEY OBSERVATIONS
4 Capitalizing On
iPad’s interface
For brands with both iPhone and iPad
apps, experiences differ; the larger
screen of the iPad allows for more and
broader visual informa9on than a
smartphone, with the portability that a
tethered PC can’t provide.
Investment banks provide more iPad‐
specific apps, allowing users to view full‐
size research reports as well as mul9ple
stock 9ckers.
Example: Morgan Stanley’s iPad app is not
revolu9onary but it is straighforward, quicker and
easier to use than on a accessing their research on a
PC. Downside to the app is the user must be online to
view reports.
7 Branded Apps & Finance
digital.exicon.mobi
8. KEY OBSERVATIONS
5 Financial News
Services Recreate
Offline Experiences
Tradi9onal print brands mimic newspaper
experience through their apps.
Some brands are delivering mul9media
experiences complete with up‐to‐date
quotes, video and latest news/research
notes. Bloomberg and Thomson Reuters
lead in this category, offering mul9ple
ways to dis9ll and consume financial info
in one app, par9cularly on iPad.
Most brands con9nue pay‐for‐content
Example: Thomson Reuters Market board is an aLrac9ve
model, even though apps are free for
app for the iPad offering worldwide interac9ve market
download
data and top interna9onal news stories. The big standout
feature is the ability to preview and purchase transcripts
from a wide variety of corporate calls and conferences.
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9. KEY OBSERVATIONS
6 Insurers Engage
Consumers With
InteracMve Apps
Apps go beyond u9lity (filing/managing
claims) by taking the mystery out of
insurance by engaging consumers and
simplifying the claims filing process.
Brands strive to communicate message,
“We are immediately there to help keep
you safe and secure”.
Example: State Farm’s Pocket Agent app makes accident
claims easier. The Steer Clear app provides young drivers
with safe driving 9ps and once the program is complete a
discount on insurance premiums. Their Android app, uses
GPS to auto‐reply to texts whilst driving.
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10. APP SPOTLIGHT
Bloomberg
The Bloomberg app packs a great set of
investment‐related tools and real 9me
porfolio tracking, for free. It is available
in 12 languages and through all major
app plaforms including: iPhone,
Blackberry, Android and Nokia.
However, the Android app is not as fully
fleshed out as it is on the iPhone. For
example, the app doesn't allow you to
reorder your news preferences.
#1 branded Finance app in iTunes and top
free business app on Ovi. Apple & Nokia
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11. APP SPOTLIGHT
Financial Times
FT goes beyond the typical newspaper
app mimicking the print version by
offering apps targe9ng specific customers
and apps designed to increase brand
loyalty and awareness.
FT currently targets subscribers with
strong interest in Asian business. Its iPad
news app is available in Chinese and FT
offers two mobile phone travel apps –
LBBT (LiLle Book of Business Travel) for
naviga9ng Greater China and SE Asia.
20% of all FT.com subscripMons came through
the app in the first weeks of availability. FT
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12. APP SPOTLIGHT
Barclaycard
UK‐based Barclaycard sponsored the
Waterslide Extreme Game issued in
conjunc9on with their “Waterside” ad
campaign. Game allows waterslide rides
through different countries and ends with
a “call to ac9on” to visit Barclaycard
website.
Building upon success of Waterslide
Extreme app, Rollercoaster Extreme
offers similar experience, riding a roller
coaster built throughout NYC. Players
compete for chance to win trip to Las Barclaycard Waterslide Extreme: 17 million
Vegas. downloads & #1 free branded app on iTunes
in 57 countries. Rollercoaster: 9.7 million
downloads. Barclaycard
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13. APP SPOTLIGHT
USAA
USAA, a financial services group for
members of the military and their families,
released mobile banking apps for the iPhone,
Android, Palm and BlackBerry handsets.
In addi9on to all the standard mobile
banking features, this app makes use of the
device’s na9ve func9onality – an advantage
na9ve apps have over the mobile Web.
For example, customers can, by using their
phones’ cameras, deposit checks. Or they
More than 13.3 million mobile transacMons in
can look up roadside assistance should they 2009, and a 14% mobile services adopMon
have an accident. The app even includes a rate — which is three Mmes greater than
flashlight, created by ligh9ng up the screen
to full brightness. other leading banks. USAA
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14. APP SPOTLIGHT
Bank of America
A unique security feature – the sitekey
makes this app stand out. When signing
up for a mobile banking account, you
choose an image and write a short phrase
to go along with it, crea9ng the sitekey.
And you only enter your password if the
app displays the correct sitekey. This is
useful for comba9ng phishing –
fraudsters masquerading as legi9mate
sites in order to obtain personal
informa9on. Bank of America hosts a large percentage of
America’s checking accounts, and it’s no
surprise it was one of the first banks to catch
on to mobile banking, offering a fairly
standard banking app.
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15. APP SPOTLIGHT
AT&T Banking
Two features make this banking app
strong. 1) It is compa9ble across many
different smartphone plaforms (44
models so far). 2) It is useful for those
who have accounts across mul9ple
ins9tu9ons. The app offers similar
features to other mobile banking apps.
However, the design and layout is clunky,
slow and boring. The enrollment process
is confusing and difficult, probably due to
the many security concerns when giving
users access to this many providers. “It took a while to update my accounts the
first Mme I ran aher the upgrade. Then it
works great.” App review on iTunes by Exclr8
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16. APP SPOTLIGHT
MasterCard
‘Flavors of
Shanghai’
MasterCard's ‘Flavors of Shanghai’ app
served as a guide for the Shanghai Expo
as well as offering ‘priceless’ experiences
and dining offers for cardholders.
During promoMon period, cardholder
expenditure registered a 94% increase in
partnered restaurants and bars. MasterCard
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17. APP SPOTLIGHT
PayPal
PayPal’s app allows for managing your
account as well as for micropayments
between people. App features vary by
plaform, with Blackberry as the most
basic and iPhone having the most
features, including check deposit using
the phone’s camera.
Most interes9ng is the integra9on of
Bump App technology. The PayPal app
allows you to send money to another
person by simply entering an amount and
gently “bumping” your iPhone or Android
against an other enabled phone.
PayPal recently reported that holiday mobile
payments are up 300%. PayPal
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18. FUTURE TRENDS
1 Security Remains
An Issue
Securing user informa9on – username,
password, financial info ‐ remains a huge
concern. One common problem is that
Cybercriminals can easily access user’s
info stored in phone’s memory. For
example, the Android version of apps
stored ‘mirror images’ of pages visited,
which could contain account balances or
bank rou9ng numbers
Currently the best way to protect against
security loopholes is with regular
soZware updates un9l more technology
like fingerprint scans are u9lized. “The best piece of advice is to treat the
mobile phone as you would a wallet. ‘In other
words, don't lose it.’" NPR recommends
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19. FUTURE TRENDS
2 Engaging
Customers With
‘Atypical’ Apps
Some brands have employed gaming
apps to aLract customers. Barclaycard
released only this app type, seeing huge
success. However, this strategy is a risky
one as compe99on is huge.
Only 6% of Banking
Another op9on is sponsorship. In
an9cipa9on of Euro 2012, Credit Agricole & Financial Apps
is offering an app that allows games to include games, yet
track matches of France’s na9onal current data shows
football team and par9cipate in raffles.
them to be most
popular. Exicon
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20. FUTURE TRENDS
3 Employing
Phone’s Cameras
To Increase App
UMlity
For example, the banking apps from
Chase and USAA employ the camera to
facilitate check deposits. Take a picture of
the front and back of the check and send
pictures directly to the bank.
USAA’s mobile tool has been used by
members to channel more than $300 million
worth of deposits into their accounts in 2009.
USAA
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21. FUTURE TRENDS
4
Using
Augmented
Reality To Locate
ATMs More
Easily
Un9l now augmented reality apps have
been fun, but en9rely imprac9cal due to
slow or inaccurately rendered
informa9on. However, Forrester research
predicts that the technology has
improved sufficiently that these apps may
well become an integral part of using a
mobile.
Several banks, including Addison Avenue,
ING and Bankiter, are using such “In the next few years, we should expect
technology to help customers locate augmented reality to become a norm in society,
ATMs using camera‐generated pictures
with people holding ‘up their smartphone to
and indicate which will charge fees for
using an other bank card. interact with their environment as a totally natural
gesture.’” Thomas Husson, Forrester via New York Times
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22. FUTURE TRENDS
5 Mobile as
AlternaMve
Payment Method
Mobile payment is being rapidly adopted
as an alterna9ve payment method –
especially in Asia and Europe. Instead of
paying with cash, check or credit cards, a
consumer can use a mobile phone to pay
for a wide range of services and digital or
hard goods.
A few brands have experimented with
mobile payments. In the UK, Barclaycard,
which already offers contactless payment "We're forecasMng that nearly half of all mobile
by credit card are in partnership with phones users worldwide will use mobile
Orange to do the same for phones. In the
US, Bank of America, partnered with Visa, payments by 2014. This could be paying for a
are conduc9ng in‐store tests. digital good like a music track, or it could be
physical good which we're seeing increasingly.”
Howard Wilcox, Juniper Research
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23. FUTURE TRENDS
6 Mobile
Remioances are
Main Financial
Service
Because so much of the world is under‐
banked, the mobile is becoming core to
our finances. Mobile remiLances by text
is already established in many less‐
developed countries as the main form of
payment and poised to grow further.
In developed countries, mobile
remiLances are likely to be used more as
social payments, sharing the cost of a
meal for example, or paying someone a 78% of mobile banking users are in Asia,
small amount of money you might owe
them by bumping your iPhones together Africa, the Middle East and LaMn America. Berg
(PayPal). Insight.
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24. CONCLUSION
As mobile apps become more
sophisMcated, mobile banking is
becoming a more convenient
alternaMve to online banking.
Brands have to be careful that they are not
neglec9ng what will surely become the main
channel for financial transac9ons in the future.
They run the risk of either losing brand profile
to mobile payment specialists, or brand
homogeniza9on by offering the same service as
everyone else (either by using a generic third‐
party technology partner, or by following the
same path as other banks). There is an
opportunity here for a courageous firm to invest
heavily in mobile and take the lead in the
banking of the future.
Security is s9ll the biggest hurdle to overcome Globally, the number of mobile banking users
as the mobile phone becoming ever more
central to our finances, with mobile payments is expected to surge more than sixteenfold, to
and remiLances. 894 million by 2015 from 55 million in 2009.
Berg Insight 2010
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