The document discusses Swedbank's mobile banking services and capabilities. It notes that today customers can check account balances, make payments online or in stores, and authenticate using mobile ID via apps or browsers on their phones. The document also provides recommendations for entrepreneurs on accepting payments from Baltic customers, such as offering bank link payment options. It highlights how easy bank link integration is for developers and notes Swedbank's mobile app popularity in Estonia.

1. © Swedbank
Money and Mobile: Swedbank
Erkki Saarniit, Head of E-Channels Operations, Swedbank

2. © Swedbank
What fits into mobile?

3. © Swedbank
What fits into mobile? Today?
3
Picture: www.clickaphone.co.uk
App: account
balance, quick
overview
Calls to bank
SMS notifications

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What fits into mobile? Actually today.
4
Picture: www.clickaphone.co.uk
App: account
balance, quick
overview
Authentication and
signature (mobile-ID)
Payment in internet
(mobile bank link or
card)
Calls to bank
SMS notifications
Browser: whole
internet bank
Transfer to a friend
E-mails to and from
bank
Location based
recommendations:
ATMs, branches,
discounts

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What fits into mobile? Today/tomorrow.
5
Picture: www.clickaphone.co.uk
App: most of bank
stuff
Authentication and
signature (mobile-ID)
Payment in a shop
Payment in internet
(mobile bank link or
card)
Calls to bank
SMS notifications
Browser: whole
internet bank
Transfer to a friend
E-mails to and from
bank
Location based
recommendations:
ATMs, branches,
discounts
Location based offers

6. © Swedbank
For entrepreneurs...

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Bank link as the most popular payment method
in the Baltics
• When having Baltic customers, definitely have a bank link as a payment possibility.
7
Have some bank’s
internet bank agreement,
have bank link payment
possibility
1/3 have a
card with
online
payment
functionality
Have ever used
the card for
mobile purchases
Have ever used
the card for
online purchases
1/3 have ever
used
banklink for
online purchases
Have ever used
banklink for
mobile purchases

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Expand your audience
• Offer payment options based on the region.
• Use as many possible payment options as financially
reasonable.
• Offer internationally known payment options – credit cards,
PayPal etc. to attract customers worldwide.
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How bank link looks like in mobile?
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For developers...

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Bank link in the Baltics is easy to implement
• You will need a contract and exchange certificates.
• You will need to send and receive packages based on simple
specification.
• You should use HTTPS. And a good web server certificate.
• You don’t have to do anything in order to look good in mobile.
More information about bank link:
https://www.swedbank.ee/business/cash/ecommerce/banklink/description
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Any other cool stuff?

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• Swedbank’s mobile app on of the most popular apps in Estonia
– more than 130 000 downloads.
• More than 200 000 Swedbank customers have a smartphone.
• For mobile bank and bank link you don’t have to have an app,
you just need a more or less modern mobile browser.
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Fun facts
0
500
1 000
1 500
2 000
2 500
3 000
3 500
Total downloads ANDROID IPHONE

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15. © Swedbank
Thank you!
Questions?
Find me later or contact me:
Erkki Saarniit
Erkki.Saarniit@swedbank.ee
+372 888 7192
http://www.linkedin.com/in/erkkisaarniit