Mobile banking is becoming increasingly important as smartphones and tablets proliferate. By 2015, over 1 billion smartphones and 400 million tablets will be in use worldwide. Mobile internet usage will surpass desktop usage by that time as well. 400 million people are expected to use mobile banking in 2013. However, many banks have been slow to adopt mobile solutions. To remain competitive in the emerging mobile landscape, banks will need to quickly develop new mobile architectures and services to meet rising customer demands and address security concerns, while also navigating new players in areas like payments and lending.

1. Mobile Banking
a new (critical) experience for banks
Mobile Monday – 2012, April, 23rd

2. • Mobile trends for banking
1
• Banking trends for mobile
2
• Next challenges
3

3. One Billion smartphones by 2015

4. More than 300 millions tablets in the
world by 2015
400000
350000
300000
250000
Other Operating Systems
200000 QNX
Microsoft
150000
Android
100000 iOS
50000
0
2011
2012
2013
2016
And iPad will dominate tablet
sales until 2015 Source Gartner, 2012, April

5. Mobile internet usage will exceed
desktop usage by

6. 400 Millions people will use Mobile
banking in 2013

7. 40% of Swiss
Cantonal Banks
ignore Mobile
banking

8. Mobile website is always an
option even if Apps are preferred

9. Today
Billions
applications have already been
downloaded from the Apple Store and
the Android Market …

10. Games dominates Mobile Apps usage

11. Mobile Banking Apps as a standard
service … soon

12. It is not because I have it that I use it
But …

13. • Mobile trends for banking
1
• Banking trends for mobile
2
• Next challenges
3

14. New trends challenge banks about
their services and market positions
Bank services
Personal Finance
Peer-to-Peer lending
Savings Credit
Trading Crowd-funding
Payments
Mobile Payments
Security & Privacy

15. More than 50% of users don’t trust
the security of their mobile

16. Personal Finance pulls all
your financial information
into one place to get the
entire picture and manage
your money

17. Banks are in the race

18. with many different solutions

19. The crowdsourcing as a new
innovation power for banks

20. Banks benefit from their online
communities

21. Communities also promote social
initiatives …such as loan agreements
between friends

22. Crowd-funding opts for
disintermediation

23. Or get a peer-to-peer loan …
without the banks

24. Pay with your mobile

25. New
world
of players
for
mobile
payments

26. By 2015, mobile payments will be
the most used channel for banking

27. Banks are looking for new mobile
opportunities, such as small amount
transfers solutions

28. • Mobile trends for banking
1
• Banking trends for mobile
2
• Next challenges
3

29. It is not enough for banks to say
we want to go mobile
 Smartphones, tablets and apps  Security and privacy concerns are
usage explode rising
 Speed development is a  New regulatory
new challenge : Banks need requirements will appear
to adapt themselves quickly about mobile banking
 Mobile connections will exceed  New players arrive especially for
desktop ones payments and lending services
 New banks architectures  Innovation should drive
are needed : Bank-as-a- bank strategy in order to
Service should become a assert its position againts
standard new competitors and
disintermediation trends

30. Thank you
Marc Barbezat
http://about.me/marcbarbezat
Illustrations and web references :
http://www.diigo.com/user/marcbarbezat/MobileMonday