The document discusses key trends in mobile banking and benchmarks for innovation in Europe and the rest of the world (ROW). It covers how some banks have made mobile a standalone channel or distribution channel, focusing on account access, payments, loans, and driving broader digital strategies. Specific examples highlighted include La Caixa making mobile a full channel in Europe, Akbank distributing loans via mobile banners, and Wells Fargo using mobile as a standalone channel in the ROW. The document analyzes how mobile banking is evolving from early notification services to a critical part of digital transformation.
mCommerce and Mobile Banking: The Evolution and OpportunitiesMolecular Inc
This webinar/slidecast provides insight on mobile commerce (mCommerce) and specifically mobile banking, which is a large component of this industry. Learn how various financial institutions approach their growing mobile strategy, as well as how the growth of mobile commerce and banking affects consumers and changes the way people use mobile. Michael also shares his 4-phase approach to mobile banking; providing the technology options, functional capabilities and benefits for each.
mCommerce and Mobile Banking: The Evolution and OpportunitiesMolecular Inc
This webinar/slidecast provides insight on mobile commerce (mCommerce) and specifically mobile banking, which is a large component of this industry. Learn how various financial institutions approach their growing mobile strategy, as well as how the growth of mobile commerce and banking affects consumers and changes the way people use mobile. Michael also shares his 4-phase approach to mobile banking; providing the technology options, functional capabilities and benefits for each.
MeasureWorks eFinancials - Best practices for a successfull mobile experienc...MeasureWorks
Gebruikers van mobiel internet verwachten snelle transacties en betrouwbare sites en/of applicaties. Volgens recent onderzoek haakt meer dan 52% van de klanten af bij een slechte ervaring en overweegt daardoor geen gebruik meer te maken van een mobiele applicatie.
Nu mobiel internet een integraal onderdeel wordt van uw dienstverlening, en de verwachtingen van klanten toenemen, wordt het managen en monitoren van uw mobiele sites en applicaties een voorwaarde voor succes. Het niet tijdig identificeren van langzame, of erger, niet functionerende mobiele diensten zal onherroepelijk resulteren in verlies van klanten, omzet en uiteindelijk reputatie schade.
Aan de hand van praktijkvoorbeelden zullen we u laten zien:
* Wat de impact is van de adoptie van mobiel internet en groeiende klantverwachtingen op uw online dienstverlening
* Op welke wijze Mobiele Web Experience problemen kunnen worden herkend voordat klanten uw website verlaten
* Best practices voor het leveren van een kwalitatief uitstekende Mobile Web Experience
Mobile Money As An Enabler For MicrofinanceJohn Owens
This presentation is an updated version of our experience in the Philippines working with more than 800 rural bank branches to utilize mobile money platforms to facilitate banking and microfinance services.
Commercial Realities and Subscriber-Centric Strategies for Broadband Traffic ...Continuous Computing
Event | Broadband Traffic Management
Featured Speaker
Manish Singh, VP of Product Line Management, Continuous Computing
When: Tuesday, November 17th, 2009
Topic: COMMERCIAL REALITIES AND SUBSCRIBER-CENTRIC STRATEGIES FOR BROADBAND TRAFFIC MANAGEMENT, Towards Usage-Based Charging Models In A Competitive Flat-Rate Environment: Is There A First-Mover Disadvantage Or Can QoE Be a USP?
• How sustainable is flat-rate pricing? Does it create or erode value?
• Exploring the commercial risk involved in a shift towards bandwidth-based pricing
• Moving from all you can eat to all you can afford
Movocity - Everywhere Your Customers AreEdward Niu
Customers are now mobile, is your business? WIth the explosion of the smartphone market, the mobile market has become the best mass media to access for businesses and organizations.
We present the trends currently occurring in the mobile industry.
Then, we review the different methods in mobile marketing which include: QR Codes, SMS Text Messaging, Mobile Websites, Mobile Apps, Social-Mobile, and Mobile Ads.
This presentation was first presented at Ad Fed in Wichita Falls, TX on April 17, 2012.
A Mobile Centric View of Silicon Valley - January 2011Lars Kamp
A presentation held at Opinno in San Francisco to a delegration from PromoMadrid. Goal was to provide a quick overview of major trends in mobile in 30 min.
Growth Codes: How do operators turn data growth into profitable revenue growth?Ericsson Slides
Growth Codes show how rethinking both mobile broadband and the role of operators can translate into profitable growth. Operators driven by bold, visionary and explorative mobile broadband strategies are turning data growth into revenue growth. These operators differentiate themselves by balancing superior network performance and an innovative go-to-market strategy. We believe the industry can learn from these examples and that more operators can find success by adapting some of their approaches to these codes.
Lte Latin America 2011 Ims Assuming An Important Role On Lte V1.0Alberto Boaventura
Presented in Informa LTE LATAM Forum 2011, it intends to provide an overview about voice service support in LTE and what is the IMS role in this new enviroment, passing through the alternative solutions for voice support in LTE.
MOBILE COMMERCE INNOVATIONS: NEW IDEAS & RETURNSMABSIV
GXI President Paolo Baltao announces the next generation GCASH mobile money services, which are expected to provide new features as well as create a more seamless experience for rural bank clients and GCASH users during the 2012 RBAP-MABS National Roundtable Conference on June 8.
This deck was prepared for a lecture for week 1 of Founder Labs Mobile Edition.
The audience was a mix of developers, UI/UX designers and hardware engineers. The goal was to provide a baseline ecosystem overview and talk about technology drivers and business models in mobile.
Most of the slides in the deck are derived from work with my clients at Accenture.
MeasureWorks eFinancials - Best practices for a successfull mobile experienc...MeasureWorks
Gebruikers van mobiel internet verwachten snelle transacties en betrouwbare sites en/of applicaties. Volgens recent onderzoek haakt meer dan 52% van de klanten af bij een slechte ervaring en overweegt daardoor geen gebruik meer te maken van een mobiele applicatie.
Nu mobiel internet een integraal onderdeel wordt van uw dienstverlening, en de verwachtingen van klanten toenemen, wordt het managen en monitoren van uw mobiele sites en applicaties een voorwaarde voor succes. Het niet tijdig identificeren van langzame, of erger, niet functionerende mobiele diensten zal onherroepelijk resulteren in verlies van klanten, omzet en uiteindelijk reputatie schade.
Aan de hand van praktijkvoorbeelden zullen we u laten zien:
* Wat de impact is van de adoptie van mobiel internet en groeiende klantverwachtingen op uw online dienstverlening
* Op welke wijze Mobiele Web Experience problemen kunnen worden herkend voordat klanten uw website verlaten
* Best practices voor het leveren van een kwalitatief uitstekende Mobile Web Experience
Mobile Money As An Enabler For MicrofinanceJohn Owens
This presentation is an updated version of our experience in the Philippines working with more than 800 rural bank branches to utilize mobile money platforms to facilitate banking and microfinance services.
Commercial Realities and Subscriber-Centric Strategies for Broadband Traffic ...Continuous Computing
Event | Broadband Traffic Management
Featured Speaker
Manish Singh, VP of Product Line Management, Continuous Computing
When: Tuesday, November 17th, 2009
Topic: COMMERCIAL REALITIES AND SUBSCRIBER-CENTRIC STRATEGIES FOR BROADBAND TRAFFIC MANAGEMENT, Towards Usage-Based Charging Models In A Competitive Flat-Rate Environment: Is There A First-Mover Disadvantage Or Can QoE Be a USP?
• How sustainable is flat-rate pricing? Does it create or erode value?
• Exploring the commercial risk involved in a shift towards bandwidth-based pricing
• Moving from all you can eat to all you can afford
Movocity - Everywhere Your Customers AreEdward Niu
Customers are now mobile, is your business? WIth the explosion of the smartphone market, the mobile market has become the best mass media to access for businesses and organizations.
We present the trends currently occurring in the mobile industry.
Then, we review the different methods in mobile marketing which include: QR Codes, SMS Text Messaging, Mobile Websites, Mobile Apps, Social-Mobile, and Mobile Ads.
This presentation was first presented at Ad Fed in Wichita Falls, TX on April 17, 2012.
A Mobile Centric View of Silicon Valley - January 2011Lars Kamp
A presentation held at Opinno in San Francisco to a delegration from PromoMadrid. Goal was to provide a quick overview of major trends in mobile in 30 min.
Growth Codes: How do operators turn data growth into profitable revenue growth?Ericsson Slides
Growth Codes show how rethinking both mobile broadband and the role of operators can translate into profitable growth. Operators driven by bold, visionary and explorative mobile broadband strategies are turning data growth into revenue growth. These operators differentiate themselves by balancing superior network performance and an innovative go-to-market strategy. We believe the industry can learn from these examples and that more operators can find success by adapting some of their approaches to these codes.
Lte Latin America 2011 Ims Assuming An Important Role On Lte V1.0Alberto Boaventura
Presented in Informa LTE LATAM Forum 2011, it intends to provide an overview about voice service support in LTE and what is the IMS role in this new enviroment, passing through the alternative solutions for voice support in LTE.
MOBILE COMMERCE INNOVATIONS: NEW IDEAS & RETURNSMABSIV
GXI President Paolo Baltao announces the next generation GCASH mobile money services, which are expected to provide new features as well as create a more seamless experience for rural bank clients and GCASH users during the 2012 RBAP-MABS National Roundtable Conference on June 8.
This deck was prepared for a lecture for week 1 of Founder Labs Mobile Edition.
The audience was a mix of developers, UI/UX designers and hardware engineers. The goal was to provide a baseline ecosystem overview and talk about technology drivers and business models in mobile.
Most of the slides in the deck are derived from work with my clients at Accenture.
Blogging/Microblogging for enhancing the research accessibilityUniversity of Malaya
Scholarly blogs and Microblogs such as Twitter are increasingly attracting attention as new channels of science communication. Blogs and microblogging services like Twitter get your research seen by more non-academics than your peer reviewed papers will ever be. The importance of this is not to be dismissed. Blogs and microblogs are vital tools for academics to publicly communicate about research developments and findings. Academics can also gain feedback from other peers, as well as expand their networks and enhance research visibility. This presentation will provide guidelines on blogs and microblogs as tools for increasing the article visibility and citations. Increased visibility online helps your offline recognition.
Mobile Banking & Payments Update: September 2010Dan Armstrong
One view of the mobile banking and payments landscape in 2010, including some case studies: NMB mobile in Tanzania, Rabobank in The Netherlands and some emerging proximity payments models leveraging NFC.
Rabo Mobiel - Product Development OverviewDan Armstrong
Overview of Rabo Mobiel, it's plan and positioning, banking and telco landscape, rationale and development goals, as well as some slides on the innovations projects carried out from 2007-09.
A brief presentation to be given on Wednesady (10 December 2009) at the "Mobile Payment, Remittance & M-Commerce Africa 2009" conference in Accra, Ghana (http://www.magenta-global.com.sg/MPRMC/)
Mobile Payments: What global lessons can we bring back to the U.S.?Menekse Gencer
This presentation was given by Menekse Gencer at the Commonwealth Club of San Francisco on July 23, 2012 as part of the Mobile Payments Series Initiative(TM) produced by mPay Connect. There were approximately 90+ attendees. For more information regarding the consulting services of mPay Connect, please visit: www.mpayconnect.com or contact us at: info@mpayconnect.com The audio recording of this presentation can be found here: http://soundcloud.com/mpayconnect/sounds-from-monday-evening
Sarah Rotman of CGAP was kind enough to present on the basics of branchless banking to NetHope's Payment Innovations Working Group in March 2012, which is open to all NetHope members. Please contact hamilton.mcnutt@nethope.org for more information.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
NO1 Uk Black Magic Specialist Expert In Sahiwal, Okara, Hafizabad, Mandi Bah...Amil Baba Dawood bangali
Contact with Dawood Bhai Just call on +92322-6382012 and we'll help you. We'll solve all your problems within 12 to 24 hours and with 101% guarantee and with astrology systematic. If you want to take any personal or professional advice then also you can call us on +92322-6382012 , ONLINE LOVE PROBLEM & Other all types of Daily Life Problem's.Then CALL or WHATSAPP us on +92322-6382012 and Get all these problems solutions here by Amil Baba DAWOOD BANGALI
#vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore#blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #blackmagicforlove #blackmagicformarriage #aamilbaba #kalajadu #kalailam #taweez #wazifaexpert #jadumantar #vashikaranspecialist #astrologer #palmistry #amliyaat #taweez #manpasandshadi #horoscope #spiritual #lovelife #lovespell #marriagespell#aamilbabainpakistan #amilbabainkarachi #powerfullblackmagicspell #kalajadumantarspecialist #realamilbaba #AmilbabainPakistan #astrologerincanada #astrologerindubai #lovespellsmaster #kalajaduspecialist #lovespellsthatwork #aamilbabainlahore #Amilbabainuk #amilbabainspain #amilbabaindubai #Amilbabainnorway #amilbabainkrachi #amilbabainlahore #amilbabaingujranwalan #amilbabainislamabad
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
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
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
5. Mobile
banking
dates
back
to
2001
2001
2002
Aug
2001
Apr
2002
Feb
2001
SEB
(Estonia)
La
Caixa
launches
HSBC
launches
SMS
launches
P2P
GPRS-‐based
payments
using
mobile
internet
alerts
and
no*fica*ons
SMS
banking
Dec
2002
Santander
and
Jan
2002
BBVA
launch
Mar
2001
Nordea
launch
Mobipay
Bankinter
“always
on”
payments
scheme
launches
SMS
mobile
banking
in
in
Spain
alerts
and
Finland
no*fica*ons
5
6. Mobile
banking
1.0
primarily
focused
on
extending
OLB
Mobile
• No*fica*ons
and
alerts
banking
• Account
management
1.0
• SMS-‐based
payments
6
7. Key
trends
in
mobile:
From
mobile
banking
1.0
to
next-‐
genera*on
Mobile
Distribu*on
Payment
banking
1.0
channel
method
Mobile
Standalone
Standalone
driving
channel
business
digital
strategy
7
8. Challenges
driving
this
mobile
banking
evolu*on
Technology
Customer
Regula*on
behavior
Growing
pressure
on
OPEX
and
margins
Mobile
centric
innova*on
focused
on
differen*a*ng
services
8
12. Mobile
as
a
standalone
channel-‐
Akbank
• SMS
and
Mobile
internet
managed
with
their
own
P&L,
and
embedded
within
a
more
tradi*onal
channel
structure
• SMS
branch
genera*ng
over
$1
million/month
through
service
fees,
transac*on
fees,
and
mobile
specific
products
• Mobile
internet
mone*zed
through
efficiency
gains;
low
value
transac*ons
migrated
from
more
expensive
channels
12
14. Mobile
as
a
distribu*on
channel-‐
Akbank
• Akbank
began
distribu*ng
loans
on
mobile
telephones
in
2005
through
their
WAP
portal
• Distribu*on
has
evolved
to
include
smartphone
apps,
SMS
and
banner
ads
at
non-‐bank
mobile
internet
proper*es
and
applica*ons
• Garan*Bank
and
YapiCredi,
among
others,
responded
by
incorpora*ng
similar
features
to
their
mobile
banking
service
14
15. Mobile
as
a
distribu*on
channel-‐
Bankinter
• Relevant,
contextual
offers
pushed
to
the
mobile
phone
through
messaging
pladorm,
triggered
by
credit
card/debit
card
purchases
• ≈
3%
opt-‐in
rate
for
most
successful
offers,
at
a
significantly
lower
distribu*on
cost
than
tradi*onal
channels
• Most
successful
with
low
value,
high
margin
products
such
as
consumer
finance,
travel
insurance,
etc.
15
16. Mobile
as
a
standalone
business-‐
Bankinter
• Bankinter
partnered
with
KPN
in
2007
to
distribute
SIM-‐cards
under
a
branded
reseller
agreement
• ≈10%
of
addressable
market
currently
using
Bankinter
SIM
card
• Ini*al
value
proposi*on
included
free
SMS
and
mobile
internet
banking
to
s*mulate
channel
adop*on
(3x
greater
among
MVNO
customers)
• Began
pilo*ng
NFC
through
its
own
MVNO
using
a
SIM-‐based
solu*on
16
17. Mobile
as
a
payment
method-‐
La
Caixa
• In
2010,
La
Caixa
coordinated
a
SIM-‐based
NFC
mobile
payment
trial
in
Spain,
enabling
customers
and
merchants
with
proper
infrastructure
• Results
included
+30%
increase
in
transac*ons
and
+23%
in
billing
during
trial
• Next
steps
included
commercial
rollout
which
began
in
May
2011
17
18. Mobile
driving
digital
strategy
• New
business
areas
introduced
to
mobile,
star*ng
with
brokerage
and
business
banking
• Augmented-‐reality
being
used
for
discovery
• Tablet-‐specific
sites
and
applica*ons
centered
around
account
management
(PFM-‐like
features)
• Biometrics
and
security
being
introduced
• SmartTV
applica*ons
prototyped
and
launched
18
19. Mobile
driving
digital
strategy-‐
Banco
Sabadell
• Currently
at
70%
SMS
and
14%
web
/
app
adop*on
(as
%
of
OLB);
targe*ng
30%
by
YE
2013
• Increase
will
be
primarily
driven
by
broadened
device
reach
and
enhanced
mobile
features
• Device
strategy
now
includes
tablets
and
Windows
Phone
• Broadened
features
with
introduc*on
of
mobile
brokerage
apps
and
RDC
19