This document discusses the importance of digital banking strategies for financial institutions. It outlines 5 key components: 1) mobile banking as the dominant platform, 2) responsive web design, 3) search engine marketing, 4) social media marketing, and 5) technology-dominated products. For each component, the document discusses opportunities, bottom lines, and importance of proactively adapting to shifting customer demands and interactions across digital channels. It promotes developing a long-term digital banking vision and strategy with help from the HipBrand Group.

1. Digital Banking
It’s here, how ready is your bank?

2. Almost everyone is doing it.
But few banks do it right.
2009 12 million mobile banking users
2014 45 million mobile banking users
2017 1 billion mobile phone users will have
used their device for banking purposes

3. #1: Mobile
The new dominant platform
Mobile will soon be your bank’s central hub of service
delivery and customer engagement.
Bank mobile apps to date have been little more than
fragmented offerings with little customer value.
When launching mobile, be a leader instead of a follower.
The apps with the best designs and user interfaces will
attract the most customers.

4. Sample Mobile
App With
Customized
Branding

5. More mobile features.
More customers.
When launching mobile
apps, it is important to
incorporate robust
functionality such as
mobile deposit or bill pay
because your competitors
are offering these services
and customers expect
them. Customized app
design can set your app
apart as many banks are
using similar app
templates.

6. #1: Mobile
The new dominant platform
YOUR OPPORTUNITY: To move mobile banking beyond
transactions and into enhanced engagement through personalization
and customer context (what they need and where they want it).
YOUR BOTTOM LINE: The mobile banking app is the new branch
and your brand is the new ambassador for your customers’
experience.

7. #2: Responsive Web
One site design, infinite possibilities

8. #2: Responsive Web
One site design, infinite possibilities
91% of all U.S. citizens have their mobile device within
reach 24/7.
People are more mobile than ever and need information to
be accessible at any time, from any place, on any device.
A responsive web site automatically adapts to all webenabled devices creating a custom user experience for
hundreds of millions of mobile customers.

9. #2: Responsive Web
One site design, infinite possibilities
YOUR OPPORTUNITY: Your customers can connect with you
seamlessly as they move from one device to another anywhere, any
time.
YOUR BOTTOM LINE: By 2015, Mobile Internet Usage will surpass
Desktop Internet Usage and continue to grow. Customers are already
rejecting stripped-down versions of full web sites. Now is definitely the
time for a well-planned responsive design strategy.

10. #3: Search Engine Marketing (SEM)
Get found online. Be first in line.
Google logs 6 billion searches a day.
93% of online experiences begin with a search engine.
75% of users never scroll past the first page of search
results.
57% of all banks and 55% of the top 20 credit unions in the
U.S. utilize Google AdWords campaigns.

11. #3: Search Engine Marketing (SEM)
Get found online. Be first in line.
According to The Financial Brand, October 2013, “Google’s
Hummingbird Update could torpedo search rankings for
both banks and credit unions.”
The dependence on “keywords” has been reduced and
compelling content is now king. So if you were high in the
rankings before, you might not be now.

12. There are 304,667 daily searches for
the keyword mortgage.
Combine a smart
SEO plan for
organic results with
a paid combination
of AdWords with an
online ad schedule
to boost search
results and attract
new visitors to your
web site.

13. Effective
campaign and
web landing
pages are crucial
to success.

14. #3: Search Engine Marketing (SEM)
Get found online. Be first in line.
YOUR OPPORTUNITY: Stand out in search results with a welloptimized web site (SEO) and a finely-tuned search marketing (SEM)
campaign. Gain significant traction in mobile ad targeting on Facebook
and Google and you can be ready to ride the new wave.
YOUR BOTTOM LINE: A “set-it-and-forget-it” strategy will no longer
pay off. Make sure you have someone with the right experience to
tightly manage and message your SEO and SEM campaigns.

15. #4: Social Media Marketing
A Perfect Service Channel
By 2025, it is estimated that social networks will become the
major distribution channel for retail banking products.
Customers want convenience, and that requires quick, simple,
and reliable service that is available everywhere at anytime.
Retail banking should become a seamless convenience for the
customer - wherever the customer is, especially within social
networks.

18. #4: Social Media Marketing
A Perfect Service Channel
YOUR OPPORTUNITY: Social media, once considered a nontraditional method of customer interaction is clearly becoming
increasingly important for banks to understand. It’s no longer just a
vehicle for customers to vent about poor experiences or praise their
bank for exceeding expectations…it has now become a legitimate
service channel.
YOUR BOTTOM LINE: Customers want banks to be more
transparent. Online social networks are an investment into the
bank’s reputation and will become an effective tool in building trust.

19. #5: Technology-dominated products
Don’t leave your brand behind
40% of customers (of all ages) now factor mobile solutions
into why they choose their primary financial institution.
As banking goes through fundamental change, banks must
invest in new product and app development. “Go mobile or
die,” has become a slogan for many CMOs as they quickly
must realize that mobile banking products will continue to
be the fastest growing and most transformative trend in the
industry.

20. #5: Technology-dominated products
Don’t leave your brand behind
YOUR OPPORTUNITY: As banks reinvent themselves with a stronger
focus on technology-dominated products, it is time to focus on how to
differentiate your bank’s products from another in order to gain long
term customer loyalty.
YOUR BOTTOM LINE: Don’t just launch digital. Launch a digital
lifestyle experience as a leader with highly branded, customized and
sophisticated products and services that meet the needs of your
customers’ digital lives and gain you customers for life.

24. Digital Banking
It’s Here. Let Us Help You Develop A Strategy for 2014
With the continued advancement of technology shifting the way
customers interact with financial institutions, it is vital for banks to
proactively respond to the changing demands of their self-service
channels and understand the importance of being responsive across
those channels. We can help you develop a long term vision, smart
strategies and a turnkey execution plan.
We are available to make presentations on any of the five
components of digital banking as outlined in this presentation.
Please call Julie White at 205-222-2375 or
julie@hipbrandgroup.com.

25. HipBrand Group Digital Banking
Marketing Services
Mobile App Design And Development
Responsive Web Site Development
Search Engine Marketing: Search Engine Optimization and Pay Per Click
Social Media Set-Up, Campaigns and Ongoing Management
Content Development and Optimized Public Relations (including blogs)
Brand Development including Technology Product Roll Outs
Digital adver tising campaigns
Internal Training and Communications

26. Let us put our experience to work for you.