1
Banking from a Product
Development Perspective
All you need for a successful mobile strategy
John Doxaras,
CEO Warply
Mobile & Banking
Landscape
Wallets
Customer
Experience
Data
Warply
Who we are
64 7 260% 42
Team members
Employees and partners
around the world
Countries

That we are currently 

operating, including Greece 

Cyprus, India, UAE,
Romania and Italy
Growth

Year over year, 

during the last 

four consecutive years
Clients

From fast growing sectors, 

such banking, retail, travel 

and operators
Suppliers InsuranceRetailBanking
Industries
Ordering PublishersOperatorsGames
ISO 27001

Certified for following

information security

management system
standards
PCI - DSS

Certified for following
Information security
standards
VISA

Visa cloud 

development partner
Mastercard 

MasterCard cloud

development partner
Certifications
Analyse insights
And take optimisation actions
based on automated proposal
Monitor performance
From ready made analytics and
custom dashboards
Connect you digital assets
Incorporate tracking and event
scripts to websites, add Warply SDK
to mobile apps and connect to
beacon devices
Use events as criteria
when you create target
audience
anc
e
Retail
Warply Engage Real Time
1
2
3
4
Largest Premium Mobile Ad Network in Greece
3M	
  unique	
  
devices
250M	
  
impressions
Mobile
Landscape
Wallets
Customer
Experience
Data
Warply
Mobile & Banking
Landscape
Warply
Mobile statistics
Mobile App Usage

New apps
Mobile orders,
transactions and
booking per day
85%
35%
Mobile App Usage

Social
Mobile App Usage

Messaging
20% 35%
Of mobile Time is
spend on apps
Web traffic from mobileApp usage 

in ages 45+
Native apps
x6
Brand
Favourability
15%
60% 65% 15K
Time spent (per adult per day) on mobileHours
2
3
5
6
2008 2009 2010 2011 2012 2013 2014 2015
2.8h
2.6h
2.3h1.6h
0.8h
0.4h
0.3h
0.3h 0.4h0.3h0.3h
0.3h0.3h
0.4h0.3h0.2h
2.4h2.4h2.3h2.5h2.6h2.4h2.3h2.2h
Desktop / Laptop Other connected devices Mobile
Mobile landscape
47% smartphone penetration
44% usage of mobile data
72% of millennials are either unbanked or do not like banks
2.2h/day per user @ mobile
80% of time spent on apps (app or web)
45’ spent per day on messaging apps
Regulation
>
SEPA PSD II
Disruption ? Not really!
regulation
PFM
Remittances
Invoicing
Blockchain
banking
direct	
  	
  
insurance
funding
micro-­‐financing
opportunity?
factoring/	
  
money	
  transfers/	
  
investment	
  banking
PSPs Data/Financial	
  Products
BaAll you
Mobile & Banking
Landscape
Wallets
Customer
Experience
Data
Warply
War of Wallets
What really is a wallet ?
Customer journey and brand presence
Mobile & Banking
Landscape
Wallets
Customer
Experience
Data
Warply
Loyalty schemes
Collection Loyalty logic
Redemption
Communication &
Campaigns
Reward the customer for his overall relationship with the bank
Enrol the whole customer database
Build strong partners network
Apply virtual currency with elastic collection and redemption rates
Personalisation and gasification tactics
Support with high value content
Communication strategy
Loyalty scheme success factors
Reduce churn
Reward behaviour Attract new customer
Cross-sell
Types of Data
1st Party 2nd Party 3rd Party
PII
CRM
Manage your customers
Tokenisation &
Payments
Take advantage of
“Warply Pay extension”
Benefits & Coupons
Create and delivery
eCoupons to your
customers
Loyalty Scheme
Collection and 

Redemption process
Campaign Management
Use of “easy to build” campaign
editor and set up communication
delivery options
Beacon enabled
Move your in-store
experience to next level
Data Provisioning
Receipt data produced
during consumer basket
checkout at 3rd party
merchants
3rd party merchants
Store walk-in data when
entering retail stores or
ATMs via wifi/ bluetooth
beacons
Walk-in dataData produced during
electronic payments(POS
EFT existing modules)
POS data
Omni-channel event collection
or import a custom list
or customer id, emails or other
unique element
Combine targeting criteria
from a list of behavioural data,
tags, events and other 3rd party
data
Select the database to
create audience
Get real-time population
results
Audiences
1
2
3
4
Preview your campaign
Check your campaign and the
experience
Delivery type
Select among email, push
notifications, silent notifications
and SMS delivery
Input messages
Customised messages for
different platforms
Overview
Set start and end dates,
schedule sends outs and
target audience
Extract Value
1
2
3
4
Preview your campaign
Check your campaign and the
experience
Delivery type
Select among email, push
notifications, silent notifications
and SMS delivery
Input messages
Customised messages for
different platforms
Launch
Set start and end dates,
schedule sends outs and
target audience
Automate Communication
1
2
3
4
Generate your coupon codes or upload a preset list of coupons

Set your validation criteria

Deliver your coupons via mobile or web
Mobile coupons
barcode QR code wireless
communication
numeric code
input
Pair with terminal to validate
167821
Personalised Rewards
Tokenisation
Customer decides
to complete a
purchase
Credit Card details
sent to Warply Pay
vault without
passing through
merchant
The merchant saves
token for this and
any future
transactions
Customer enters
credit card details
Warply securely saves
card details and returns
a token to the to
merchant
Mobile & Banking
Landscape
Wallets
Customer
Experience
Data
Warply
Customer
Experience
Wallets
Uberification of Experience
Information Reaches you
Context is king
Emerging UX languages
Use power of AI to
understand and respond
to human requests
AI detects phrases similar
to ones predefined
Deliver your content with
no additional effort
Chatbots are the
new apps
Handle repetitive routine
transactions
Chatbot users get
perfectly structure content
>
Thank You
/warply
@warply /warply
info@warp.ly

Γιάννης Δοξαράς, Founder & CEO, Warply

  • 1.
    1 Banking from aProduct Development Perspective All you need for a successful mobile strategy John Doxaras, CEO Warply
  • 2.
  • 3.
    Who we are 647 260% 42 Team members Employees and partners around the world Countries That we are currently operating, including Greece Cyprus, India, UAE, Romania and Italy Growth Year over year, during the last four consecutive years Clients From fast growing sectors, such banking, retail, travel and operators
  • 4.
  • 5.
    ISO 27001 Certified forfollowing information security management system standards PCI - DSS Certified for following Information security standards VISA Visa cloud development partner Mastercard MasterCard cloud development partner Certifications
  • 6.
    Analyse insights And takeoptimisation actions based on automated proposal Monitor performance From ready made analytics and custom dashboards Connect you digital assets Incorporate tracking and event scripts to websites, add Warply SDK to mobile apps and connect to beacon devices Use events as criteria when you create target audience anc e Retail Warply Engage Real Time 1 2 3 4
  • 7.
    Largest Premium MobileAd Network in Greece 3M  unique   devices 250M   impressions
  • 8.
  • 9.
    Mobile statistics Mobile AppUsage
 New apps Mobile orders, transactions and booking per day 85% 35% Mobile App Usage
 Social Mobile App Usage
 Messaging 20% 35% Of mobile Time is spend on apps Web traffic from mobileApp usage in ages 45+ Native apps x6 Brand Favourability 15% 60% 65% 15K
  • 10.
    Time spent (peradult per day) on mobileHours 2 3 5 6 2008 2009 2010 2011 2012 2013 2014 2015 2.8h 2.6h 2.3h1.6h 0.8h 0.4h 0.3h 0.3h 0.4h0.3h0.3h 0.3h0.3h 0.4h0.3h0.2h 2.4h2.4h2.3h2.5h2.6h2.4h2.3h2.2h Desktop / Laptop Other connected devices Mobile
  • 11.
    Mobile landscape 47% smartphonepenetration 44% usage of mobile data 72% of millennials are either unbanked or do not like banks 2.2h/day per user @ mobile 80% of time spent on apps (app or web) 45’ spent per day on messaging apps
  • 12.
  • 13.
    Disruption ? Notreally! regulation PFM Remittances Invoicing Blockchain banking direct     insurance funding micro-­‐financing opportunity? factoring/   money  transfers/   investment  banking PSPs Data/Financial  Products BaAll you
  • 14.
  • 15.
  • 16.
    What really isa wallet ?
  • 17.
    Customer journey andbrand presence
  • 18.
  • 19.
    Loyalty schemes Collection Loyaltylogic Redemption Communication & Campaigns Reward the customer for his overall relationship with the bank Enrol the whole customer database Build strong partners network Apply virtual currency with elastic collection and redemption rates Personalisation and gasification tactics Support with high value content Communication strategy Loyalty scheme success factors Reduce churn Reward behaviour Attract new customer Cross-sell
  • 20.
    Types of Data 1stParty 2nd Party 3rd Party PII
  • 21.
    CRM Manage your customers Tokenisation& Payments Take advantage of “Warply Pay extension” Benefits & Coupons Create and delivery eCoupons to your customers Loyalty Scheme Collection and Redemption process Campaign Management Use of “easy to build” campaign editor and set up communication delivery options Beacon enabled Move your in-store experience to next level Data Provisioning
  • 22.
    Receipt data produced duringconsumer basket checkout at 3rd party merchants 3rd party merchants Store walk-in data when entering retail stores or ATMs via wifi/ bluetooth beacons Walk-in dataData produced during electronic payments(POS EFT existing modules) POS data Omni-channel event collection
  • 23.
    or import acustom list or customer id, emails or other unique element Combine targeting criteria from a list of behavioural data, tags, events and other 3rd party data Select the database to create audience Get real-time population results Audiences 1 2 3 4
  • 24.
    Preview your campaign Checkyour campaign and the experience Delivery type Select among email, push notifications, silent notifications and SMS delivery Input messages Customised messages for different platforms Overview Set start and end dates, schedule sends outs and target audience Extract Value 1 2 3 4
  • 25.
    Preview your campaign Checkyour campaign and the experience Delivery type Select among email, push notifications, silent notifications and SMS delivery Input messages Customised messages for different platforms Launch Set start and end dates, schedule sends outs and target audience Automate Communication 1 2 3 4
  • 26.
    Generate your couponcodes or upload a preset list of coupons Set your validation criteria Deliver your coupons via mobile or web Mobile coupons barcode QR code wireless communication numeric code input Pair with terminal to validate 167821 Personalised Rewards
  • 27.
    Tokenisation Customer decides to completea purchase Credit Card details sent to Warply Pay vault without passing through merchant The merchant saves token for this and any future transactions Customer enters credit card details Warply securely saves card details and returns a token to the to merchant
  • 28.
  • 29.
  • 30.
  • 31.
  • 32.
    Emerging UX languages Usepower of AI to understand and respond to human requests AI detects phrases similar to ones predefined Deliver your content with no additional effort Chatbots are the new apps Handle repetitive routine transactions Chatbot users get perfectly structure content >
  • 33.