The document discusses Danske Bank's mobile banking app. It notes that over 70% of Nordic consumers are interested in mobile banking. It provides usage statistics showing over 430,000 downloads and increasing monthly transactions. The app has received positive reviews, with improvements suggested around additional features and platforms. Media coverage of the app's launch was the bank's most positive press campaign. The agile development approach was credited as a catalyst for the app's success.
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.
The MABS Program provides technical assistance and training to rural banks in the Philippines to increase access to banking services for microenterprise clients. It has helped over 100 banks and 1,300 branches provide loans, deposits, insurance, money transfers and mobile banking to over 950,000 micro-borrowers and 1.4 million micro-depositors. Rural banks are leveraging the widespread mobile phone network in the Philippines to overcome issues around cash-in/cash-out access in rural areas by training local merchants to become mobile money agents and establishing their own kiosks and sub-offices. Standardized ID cards and simplified KYC are also helping to promote mobile money through rural banks.
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobi...spirecorporate
Chatbot for basic queries & transactions Contextual Offers TRANSFER Transfer
Mobile Check Deposit
Mobile Banking App: Core services, offers & rewards Mobile Payments:
Mobile Remote Deposit
NFC, QR, etc
Expand to adjacent services
to drive engagement
Expand to adjacent services
to drive revenue
Expand to adjacent services
to own the customer relationship
Expand to adjacent services
to defend against competition
Expand to adjacent services
to drive operational efficiency
Expand to adjacent services
to enter new markets
Expand to adjacent services
to leverage partners’ capabilities
Expand to adjacent services
to future proof the business
Expand to adjacent
Mobile technologies are reshaping retail by enabling new consumer experiences and opportunities for retailers. Mobility is having the biggest impact in mobile marketing, shopper services, mobile payments, and mobile store operations. By focusing on these areas, retailers can increase net margins by as much as 10 percent through delivering instant, contextual answers to consumers' questions on mobile devices.
This document discusses mobile-based authentication and payment using near field communication (NFC) technology. It provides an overview of NFC, including how it works using RFID at 13.56 MHz, typical operating distances of 10 cm, and compatibility with existing RFID standards. Examples of potential NFC uses discussed include mobile payment and ticketing applications.
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.
Pay-Buy-Mobile is a mobile payment initiative that allows customers to make secure payments using their mobile phones and Near Field Communication (NFC) technology. The ecosystem involves mobile network operators, banks, merchants, and other players. For Pay-Buy-Mobile to succeed, it must provide value to all ecosystem members, reach a large customer base through partnerships between banks and mobile operators, and achieve technical interoperability and standardization across implementations.
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.
The MABS Program provides technical assistance and training to rural banks in the Philippines to increase access to banking services for microenterprise clients. It has helped over 100 banks and 1,300 branches provide loans, deposits, insurance, money transfers and mobile banking to over 950,000 micro-borrowers and 1.4 million micro-depositors. Rural banks are leveraging the widespread mobile phone network in the Philippines to overcome issues around cash-in/cash-out access in rural areas by training local merchants to become mobile money agents and establishing their own kiosks and sub-offices. Standardized ID cards and simplified KYC are also helping to promote mobile money through rural banks.
121010_Mobile Banking & Payments for Emerging Asia Summit 2012_Monitise: Mobi...spirecorporate
Chatbot for basic queries & transactions Contextual Offers TRANSFER Transfer
Mobile Check Deposit
Mobile Banking App: Core services, offers & rewards Mobile Payments:
Mobile Remote Deposit
NFC, QR, etc
Expand to adjacent services
to drive engagement
Expand to adjacent services
to drive revenue
Expand to adjacent services
to own the customer relationship
Expand to adjacent services
to defend against competition
Expand to adjacent services
to drive operational efficiency
Expand to adjacent services
to enter new markets
Expand to adjacent services
to leverage partners’ capabilities
Expand to adjacent services
to future proof the business
Expand to adjacent
Mobile technologies are reshaping retail by enabling new consumer experiences and opportunities for retailers. Mobility is having the biggest impact in mobile marketing, shopper services, mobile payments, and mobile store operations. By focusing on these areas, retailers can increase net margins by as much as 10 percent through delivering instant, contextual answers to consumers' questions on mobile devices.
This document discusses mobile-based authentication and payment using near field communication (NFC) technology. It provides an overview of NFC, including how it works using RFID at 13.56 MHz, typical operating distances of 10 cm, and compatibility with existing RFID standards. Examples of potential NFC uses discussed include mobile payment and ticketing applications.
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.
Pay-Buy-Mobile is a mobile payment initiative that allows customers to make secure payments using their mobile phones and Near Field Communication (NFC) technology. The ecosystem involves mobile network operators, banks, merchants, and other players. For Pay-Buy-Mobile to succeed, it must provide value to all ecosystem members, reach a large customer base through partnerships between banks and mobile operators, and achieve technical interoperability and standardization across implementations.
Gil 2012 Africa: Mega Trends Africa Telecoms and iIT by Chantel LindemanSamantha James
The document discusses opportunities and trends in the ICT sector in Africa between 2012-2020. It finds that mobile and wireless will see the most growth, increasing from $180 billion in 2012 to $300 billion by 2020. Data centers are also poised for significant growth, growing from a $2 billion market in 2012 to $6 billion by 2020. Mobile broadband and the number of mobile subscriptions will be key drivers of internet growth across Africa over this period, with over 1 billion Africans expected to own a mobile device by 2020. Localization of technologies like tablets and data centers will also be important to continued expansion of ICT access and use.
Global telecommunications market is poised to generate $1.4 trillion in 2009 despite economic slowdown. Emerging markets will invest in infrastructure while recession-hit economies delay upgrades. Asia-Pacific will experience highest growth at 16% led by China and India. Latin America and Caribbean will grow 12% fueled by emerging economies and middle class expansion. Triple play services combining voice, video, and data are driving demand and competition globally as providers seek to retain customers and boost revenue. Mobile payment solutions are also fostering trends toward cashless transactions in emerging markets.
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
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/)
1) The traditional telecom business model is threatened by new technologies and competitors in the 2.0 world, but these changes also open new opportunities for telecom companies that can adapt.
2) To take advantage of opportunities in the 2.0 world, telecom companies need flexible front and back office systems to offer both traditional and new services, and adopt a business approach within and beyond the traditional ecosystem.
3) By identifying and prioritizing potential new customers, designing the right go-to-market strategy, and offering innovative services, telecom companies can turn competitors into customers in the 2.0 world.
Mobile Money Technology and Product EvolutionObopay
The document discusses Obopay's mobile payment technology and product evolution. It describes Obopay's mobile money platform which provides universal access and a consistent user experience across markets. The platform offers capabilities like peer-to-peer payments, bill pay, cash-in/cash-out and links to bank accounts. It also discusses Obopay's use of agents, distributors and stores to extend its reach and offer cash management services. Finally, it notes Obopay's single infrastructure supports mobile payments across multiple countries securely.
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.
This presentation looks at many of the main features of IPv6 and how IPv6 differs with IPv4. It is a good starter for people not knowing about IPv6 and was presented at ICCA 2012 in Pondicherry, India on 31st January 2012.
Many thanks to Dr. Alaa Al Din Al Radhi for many of the visuals used in this slide deck.
Mobile is becoming an increasingly important platform in India. Over 800 million phones are in use, with over 60 million mobile internet users. As data costs decrease and speeds increase, mobile internet and searches are expected to surpass PC usage by 2012. Smartphone shipments are rising rapidly and iOS and Android data usage will exceed all other mobile devices. Mobile penetration is much higher than other media like TV and internet. Mobile consumption is shifting to apps, mobile internet, messaging, and voice. Video and rich media ads on mobile are more engaging and memorable than other digital ad formats and generate higher purchase intent and interactions from users.
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
Future of mobile media @ Future Ideas by h.kienhuis (sanoma)Herman Kienhuis
Mobile media is dominating consumer habits. Smartphones and tablets are driving explosive growth in mobile internet usage and time spent on apps. Hardware is becoming software as the app ecosystem fuels new mobile experiences and daily activities. Publishers are shifting content to snackable formats optimized for mobile, and monetization will increasingly involve transactions and targeted ads within apps. The future of media is personal, touch-based, and linked to physical behaviors and locations through mobile devices.
The document discusses Rabobank's mobile banking and payments subsidiary Rabo Mobiel. It provides an overview of Rabobank and Rabo Mobiel, describing their large customer base, innovation focus, and AAA credit rating. It then outlines Rabo Mobiel's product rollout strategy from 2007-2012, focusing on trials and integration with partners. Key challenges and opportunities around mobile security and payments in the Netherlands are also summarized.
The document discusses the importance of integrating mobile into marketing strategies. It notes that mobile internet usage is growing rapidly and will soon surpass desktop usage. Marketers need to design websites for mobile, optimize campaigns for mobile, and harness new opportunities from understanding shifting mobile behaviors. The key is having a comprehensive mobile strategy that makes the consumer experience seamless across platforms and devices. Data and innovation should also be part of the strategy to create value for audiences.
SFMobile: Founder Labs Mobile Edition 01/09/11Jim Porter
This document summarizes the first week of the Founder Labs Mobile Edition program from January 8, 2011. It provides an overview of the mobile ecosystem and business models, including some history on mobile devices and companies like General Magic. It also discusses the evolution of the mobile device stack from hardware-focused to more software-driven. Finally, it notes how value in mobile is shifting up the stack to services and content, and fueling growth in mobile app stores.
2007 Keynote Address - To Electronics Industry Supply Chain AssociationPaul Brody
The document discusses the increasing importance of collaboration in global supply chains. It notes that product innovation alone is no longer sufficient, and that operational and business model innovations are becoming more difficult to achieve. Extreme collaboration across organizations is now required to compete successfully. The document provides examples of how consumer electronics companies have increased collaboration across previously separate functions like R&D, manufacturing, and marketing to develop and deliver innovative new products. It argues collaboration is now core to business strategy and tightly integrated into operations.
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.
Cloud 2015: The Road to 15 Billion Connected DevicesIntel IT Center
Kirk Skaugen Intel Datacenter and Connected Systems Group GM discusses the growth of data and connected devices through 2015. Kirk discusses how the industry is preparing for this growth and Intel's role.
Tradedoubler offers 5 different targeting solutions including geo-targeting, device targeting, ISP targeting, IBA targeting, and retargeting. Geo-targeting allows targeting ads down to a specific block by using latitude and longitude data. Device and ISP targeting allow targeting based on the device or internet provider used. IBA targeting shows ads to users interested in certain categories. Retargeting shows ads to past visitors to encourage returns or purchases. Case studies demonstrate how retailers increased sales using these solutions.
Mobile Breakfast 2013 - Henry Blodget PresentationthinkLA
The document discusses the growth of mobile devices like smartphones and tablets overtaking personal computers. It notes that while mobile device sales, especially smartphones, are growing rapidly globally, penetration rates are leveling off in major markets after passing 50% and growth is slower for older and lower-income users. The future will see continued global growth in mobile, but at a slower pace than the last few years in major existing markets.
Gil 2012 Africa: Mega Trends Africa Telecoms and iIT by Chantel LindemanSamantha James
The document discusses opportunities and trends in the ICT sector in Africa between 2012-2020. It finds that mobile and wireless will see the most growth, increasing from $180 billion in 2012 to $300 billion by 2020. Data centers are also poised for significant growth, growing from a $2 billion market in 2012 to $6 billion by 2020. Mobile broadband and the number of mobile subscriptions will be key drivers of internet growth across Africa over this period, with over 1 billion Africans expected to own a mobile device by 2020. Localization of technologies like tablets and data centers will also be important to continued expansion of ICT access and use.
Global telecommunications market is poised to generate $1.4 trillion in 2009 despite economic slowdown. Emerging markets will invest in infrastructure while recession-hit economies delay upgrades. Asia-Pacific will experience highest growth at 16% led by China and India. Latin America and Caribbean will grow 12% fueled by emerging economies and middle class expansion. Triple play services combining voice, video, and data are driving demand and competition globally as providers seek to retain customers and boost revenue. Mobile payment solutions are also fostering trends toward cashless transactions in emerging markets.
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
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/)
1) The traditional telecom business model is threatened by new technologies and competitors in the 2.0 world, but these changes also open new opportunities for telecom companies that can adapt.
2) To take advantage of opportunities in the 2.0 world, telecom companies need flexible front and back office systems to offer both traditional and new services, and adopt a business approach within and beyond the traditional ecosystem.
3) By identifying and prioritizing potential new customers, designing the right go-to-market strategy, and offering innovative services, telecom companies can turn competitors into customers in the 2.0 world.
Mobile Money Technology and Product EvolutionObopay
The document discusses Obopay's mobile payment technology and product evolution. It describes Obopay's mobile money platform which provides universal access and a consistent user experience across markets. The platform offers capabilities like peer-to-peer payments, bill pay, cash-in/cash-out and links to bank accounts. It also discusses Obopay's use of agents, distributors and stores to extend its reach and offer cash management services. Finally, it notes Obopay's single infrastructure supports mobile payments across multiple countries securely.
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.
This presentation looks at many of the main features of IPv6 and how IPv6 differs with IPv4. It is a good starter for people not knowing about IPv6 and was presented at ICCA 2012 in Pondicherry, India on 31st January 2012.
Many thanks to Dr. Alaa Al Din Al Radhi for many of the visuals used in this slide deck.
Mobile is becoming an increasingly important platform in India. Over 800 million phones are in use, with over 60 million mobile internet users. As data costs decrease and speeds increase, mobile internet and searches are expected to surpass PC usage by 2012. Smartphone shipments are rising rapidly and iOS and Android data usage will exceed all other mobile devices. Mobile penetration is much higher than other media like TV and internet. Mobile consumption is shifting to apps, mobile internet, messaging, and voice. Video and rich media ads on mobile are more engaging and memorable than other digital ad formats and generate higher purchase intent and interactions from users.
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
Future of mobile media @ Future Ideas by h.kienhuis (sanoma)Herman Kienhuis
Mobile media is dominating consumer habits. Smartphones and tablets are driving explosive growth in mobile internet usage and time spent on apps. Hardware is becoming software as the app ecosystem fuels new mobile experiences and daily activities. Publishers are shifting content to snackable formats optimized for mobile, and monetization will increasingly involve transactions and targeted ads within apps. The future of media is personal, touch-based, and linked to physical behaviors and locations through mobile devices.
The document discusses Rabobank's mobile banking and payments subsidiary Rabo Mobiel. It provides an overview of Rabobank and Rabo Mobiel, describing their large customer base, innovation focus, and AAA credit rating. It then outlines Rabo Mobiel's product rollout strategy from 2007-2012, focusing on trials and integration with partners. Key challenges and opportunities around mobile security and payments in the Netherlands are also summarized.
The document discusses the importance of integrating mobile into marketing strategies. It notes that mobile internet usage is growing rapidly and will soon surpass desktop usage. Marketers need to design websites for mobile, optimize campaigns for mobile, and harness new opportunities from understanding shifting mobile behaviors. The key is having a comprehensive mobile strategy that makes the consumer experience seamless across platforms and devices. Data and innovation should also be part of the strategy to create value for audiences.
SFMobile: Founder Labs Mobile Edition 01/09/11Jim Porter
This document summarizes the first week of the Founder Labs Mobile Edition program from January 8, 2011. It provides an overview of the mobile ecosystem and business models, including some history on mobile devices and companies like General Magic. It also discusses the evolution of the mobile device stack from hardware-focused to more software-driven. Finally, it notes how value in mobile is shifting up the stack to services and content, and fueling growth in mobile app stores.
2007 Keynote Address - To Electronics Industry Supply Chain AssociationPaul Brody
The document discusses the increasing importance of collaboration in global supply chains. It notes that product innovation alone is no longer sufficient, and that operational and business model innovations are becoming more difficult to achieve. Extreme collaboration across organizations is now required to compete successfully. The document provides examples of how consumer electronics companies have increased collaboration across previously separate functions like R&D, manufacturing, and marketing to develop and deliver innovative new products. It argues collaboration is now core to business strategy and tightly integrated into operations.
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.
Cloud 2015: The Road to 15 Billion Connected DevicesIntel IT Center
Kirk Skaugen Intel Datacenter and Connected Systems Group GM discusses the growth of data and connected devices through 2015. Kirk discusses how the industry is preparing for this growth and Intel's role.
Tradedoubler offers 5 different targeting solutions including geo-targeting, device targeting, ISP targeting, IBA targeting, and retargeting. Geo-targeting allows targeting ads down to a specific block by using latitude and longitude data. Device and ISP targeting allow targeting based on the device or internet provider used. IBA targeting shows ads to users interested in certain categories. Retargeting shows ads to past visitors to encourage returns or purchases. Case studies demonstrate how retailers increased sales using these solutions.
Mobile Breakfast 2013 - Henry Blodget PresentationthinkLA
The document discusses the growth of mobile devices like smartphones and tablets overtaking personal computers. It notes that while mobile device sales, especially smartphones, are growing rapidly globally, penetration rates are leveling off in major markets after passing 50% and growth is slower for older and lower-income users. The future will see continued global growth in mobile, but at a slower pace than the last few years in major existing markets.
Digiday Mobile with Business Insider: Will Mobile Ever Live Up to Its Promise?Digiday
Marketers are not focusing enough on the opportunities presented by mobile, according to Business Insider's Henry Blodget. They need to understand that mobile isn’t just another platform but a marketing, communication and sales channel. In this session, he'll discuss the growth of the industry, including emerging ad formats and strategies.
Moderator: Brian Morrissey, editor-in-chief, Digiday @bmorrissey
Presenter: Henry Blodget, CEO, Business Insider @hblodget
This document provides an overview of Compuware's Mobile Center of Excellence (CoE). It discusses Compuware's company highlights and mobile computing strategy with case studies. It then describes the goals and structure of the Mobile CoE, including its leadership team, focus areas like adaptive agile development and emerging technologies, and the importance of partnerships. The Mobile CoE aims to help organizations implement effective mobility strategies through its innovative processes and network.
The smartphone revolution has till now come mostly in three flavors: iOS, Android, and Blackberry. Samsung Electronics’ bada powered smartphones, however, are making a major dent in the market. Samsung’s bada phones are gaining ground on their accessible interface, familiar development environment, competitive prices, and wide app selection.
Mobile usage is growing rapidly in the UK. Over 25 million people use mobile browsers each month, accounting for over half of the total web audience. 22% of UK internet users only access the web via mobile. Consumers are increasingly using their smartphones and mobile devices to research products and make purchases both online and in stores. As mobile and smartphone penetration increases, mobile advertising revenues in the UK are expected to reach £1 billion by 2015. Key trends in mobile include the rise of mobile video, location-based targeting, and rich media experiences enabled by HTML5.
Mark Challinor - Digital Compass - Where are we going, who's leading the way?WAN-IFRA
Mark Challinor, Director of Mobile Platforms at Telegraph Media Group in London, gave a presentation at WAN-IFRA in Kiev in September 2012 about the Telegraph's mobile offerings and opportunities in mobile. He discussed how the mobile landscape has changed dramatically in the past 5 years. The Telegraph has seen success with its mobile apps and platforms, including increased user interaction and new revenue streams from mobile advertising. Challinor also outlined future technologies like mobile payments that could further increase user interaction and monetization for mobile platforms.
This document discusses effective mobile marketing strategies. It summarizes WillowTree Apps' growth from 2008 to 2012, including launching their first app, growing their client base to include large companies, and expanding their mobile development capabilities to multiple platforms. It also covers trends in the mobile industry like the rise of tablets and smartphones. Key topics discussed include designing for different mobile platforms, the state of mobile advertising, and emerging strategies like gamified advertising and location-based apps.
This document summarizes key trends in the Asian mobile market. [1] China has over 1 billion mobile subscribers, over 150 million using 3G, and over 400 million using mobile internet. [2] Other top Asian markets for mobile subscribers include India, Indonesia, and Brazil. [3] Smartphone usage is growing rapidly in Asia, especially in Japan, South Korea, and Hong Kong. [4] The document identifies opportunities in mobile advertising, second screen TV, mobile payments, and mobile health in Asia and considerations for developers entering the Asian mobile market.
This document discusses the growing mobile applications economy. It notes that more people access Facebook from mobile than desktop, and in 2009 there were over 3.7 billion mobile subscriptions globally. Mobile app usage is increasing rapidly in categories like social networking, news, sports and banking. The major mobile platforms like Symbian, Apple, Microsoft and Android are driving the app economy. Native, web and hybrid mobile apps are described and examples given. Challenges like platform fragmentation, billing and regulations are also discussed.
This document discusses Indonesia's transition from voice to data services, and the growth of internet and mobile connectivity from 2000-present. It notes that while SIM penetration reached over 120% in 2011, unique subscriber penetration was only around 60% due to multiple SIM ownership. It also summarizes that voice revenue growth is tapering as the market matures, requiring new sources of revenue from non-voice data services. The document highlights Indonesia's progress in broadband and mobile data speeds compared to other Asian countries, and forecasts strong growth in mobile internet and commerce through 2016, though challenges around payments and infrastructure remain.
Golden Gekko is a leading mobile app developer that has created over 400 apps for many well-known brands. It has offices across Europe and North America and a team of over 130 people from various backgrounds. Golden Gekko has been developing mobile apps since 2005 and works with over 100 brands across various industries to create apps for all major mobile platforms and operating systems. The document provides several case studies of apps Golden Gekko has developed for brands such as Bacardi, Absolut Vodka, Malibu, Vodafone McLaren Mercedes, Toyota, Mango, O2, and others.
Mobile Apps Conference Sydney 2012 - Delivering Native AppsSimon Clarke
This document provides an overview of Suncorp Bank's mobile strategy and development of their first native mobile banking apps. It details the history of their mobile banking efforts, consumer usage trends, and a case study of their initial native app development project. Key challenges included managing a geographically dispersed team, underestimating the UX expertise required, and testing limitations. Their roadmap focuses on building out a full native mobile banking experience and exploring emerging payment technologies while optimizing their network.
Your customers are on mobile - where are you?Vacasa
Mobile usage has grown exponentially since 2007, with over 750,000 new smartphone activations daily. Consumers now expect to easily access brands and services on their mobile devices. However, many brands have yet to optimize their mobile presence. The document outlines how providing a good mobile experience can increase key metrics like inventory searches and quote requests by over 90%. It advises brands to understand user needs, measure mobile efforts, and ensure mobile aligns with overall digital strategies to realize ROI and improve their mobile presence and brand impression.
Innovation Challenges in the Wireless Broadband Eco-System Dr. Mazlan Abbas
The document discusses innovation as a process of coordinated activities that generate new value when linked to opportunities, unlike invention which usually requires inspiration. It then provides two tables showing rankings of countries by innovation from 2008-2009 and 2009-2010 based on an index. The rest of the document contains charts and graphs about the growth of internet and mobile internet usage over time, increasing data consumption, and projections for mobile versus desktop internet users.
The document discusses trends in mobile internet usage globally. Some key points:
- Mobile internet penetration and usage is growing rapidly in emerging markets while growth is slower in developed markets.
- A significant portion (around 50%) of mobile internet users in Africa and Asia access the internet primarily or solely through their mobile devices, whereas in Western countries most still use desktop/laptop computers as the main access point.
- Many of the "mobile-only" internet users in emerging markets are younger (under 25 years old) while profiles vary more in developed countries.
- Countries like India, Indonesia, and Nigeria have seen very high year-over-year growth rates in metrics like user numbers, page views,
IBM's mobile platform provides opportunities for business agility through increased worker productivity, improved customer engagement, and new revenue streams. It addresses the challenges of developing for multiple mobile platforms by providing tools for creating hybrid mobile applications that can leverage existing web skills. The platform offers capabilities for application development, deployment, maintenance, security, integration, and hosting to help businesses innovate quickly while managing costs. It differentiates partners by improving their productivity and allowing them to offer customers more flexibility and faster time to market compared to native mobile development.
The good, bad and the ugly. Mobile banking in NZ. Designing for mobility.Optimal Usability
The document summarizes a study evaluating the mobile banking experiences of major New Zealand banks and one large US bank. It assessed the banks based on 5 criteria: platforms supported, features, user ratings, usability, and interaction design. Based on weighted scores across all criteria, ASB and the large US bank JP Morgan Chase had the top mobile banking experiences, while ANZ had the lowest score due to few features, platforms, and poor user ratings. The study found that good mobile usability and features can drive customer switching between banks.
Mobile development at Credit Suisse has evolved over the past 20 years from introducing the first online banking in 1997 to developing mobile apps. They now recognize the importance of having a clean enterprise architecture and modular application design to allow for reuse and reduce total cost of ownership. Their past innovations include online banking, mobile trading, and mobile banking apps, and they are focused on building for the post-PC world through innovative greenfield development while establishing architectural guidelines.
ESEconf2011 - Cruywagen Leon: "Cool ways to work smarter in the cloud"Aberla
Leon Cruywagen discusses how cloud computing can help businesses address challenges through reduced costs, improved security and resiliency, and increased agility. Cloud computing offers a new consumption and delivery model for IT resources on-demand via the internet. IBM is investing in cloud computing to meet internal and client needs through data centers globally and a portfolio of cloud services across planning, building, and delivering clouds. Working with partners, IBM aims to help businesses optimize their cloud journey and take advantage of the opportunities cloud provides.
ESEconf2011 - Hanin Makram: "Embedding Performance into Continuous Integratio...Aberla
The document discusses embedding performance testing into continuous integration processes. It outlines how performance engineering tools can be integrated into development and testing environments to enable continuous performance regression testing. This helps minimize time and effort spent detecting performance regressions caused by code changes later in the development cycle. The document advocates for treating performance testing as a first-class citizen alongside other testing practices in continuous integration workflows.
This document outlines Oracle's general product direction for Java SE. It discusses Oracle's past Java-related products like JRockit and the Sun days. It notes that the JDK 7 beta is available. It also discusses Oracle's plans for Java convergence by merging the Hotspot and JRockit JVMs. The document outlines Oracle's current focus on Java 7 and JDK 7 development as well as future plans for Java 8 and beyond.
ESEconf2011 - Caine Matthew: "Creating an Environment of Teamwork, Quality, I...Aberla
Matthew Caine discusses how his company improved teamwork, innovation, quality and fun through adopting an agile methodology (DSDM Atern), insisting the entire team contribute to effort estimation, dedicating time to testing, improving automated testing, and merging the support and quality control teams. Key results included on-time and on-budget deliveries with better quality, quantifiable improvements in regression testing and issue reduction, and a more enjoyable work environment.
ESEconf2011 - Schwaber Ken: "Scrum: Necessary but not sufficient for agility"Aberla
The document discusses the importance of agility and empiricism in software development. It defines agility as the ability to rapidly adapt to change and take advantage of opportunities while controlling risk. Empiricism is derived from experience and experimentation. An empirical process frequently inspects and adapts based on actual results rather than predictive planning. Transparency is also important for empiricism, requiring all aspects to be commonly understood. Scrum is presented as a tool to help teams become more agile through its emphasis on empiricism, transparency, and frequent inspection and adaptation of working software increments.
ESEconf2011 - Kaiser Traian: "How to measure productivity in software develop...Aberla
- The document summarizes a presentation given by Traian Kaiser of XING AG on software development productivity and effectiveness.
- It discusses balancing effectiveness, which is doing the right things, and efficiency, which is doing things right. Effectiveness and efficiency cannot be optimized independently and their interaction is complex.
- Metrics can provide feedback but should not replace trust, and certain metrics used incorrectly can be dysfunctional. Productivity metrics need to be used carefully and coupled with effectiveness metrics.
ESEconf2011 - Buschmann Frank: "What architects need to know"Aberla
This document discusses the role and qualifications of senior software architects at Siemens. It outlines a curriculum for certifying senior software architects that focuses on five key topics: requirements engineering, software architecture and development, testing and quality, business processes and strategy, and social skills and leadership. The certification process involves participants attending workshops and completing project phases over the course of a year with certification gates. The goal is to establish standards for software development and foster experience sharing among software architects.
At Affordable Garage Door Repair, we specialize in both residential and commercial garage door services, ensuring your property is secure and your doors are running smoothly.
The Fascinating World of Bats: Unveiling the Secrets of the Nightthomasard1122
The Fascinating World of Bats: Unveiling the Secrets of the Night
Bats, the mysterious creatures of the night, have long been a source of fascination and fear for humans. With their eerie squeaks and fluttering wings, they have captured our imagination and sparked our curiosity. Yet, beyond the myths and legends, bats are fascinating creatures that play a vital role in our ecosystem.
There are over 1,300 species of bats, ranging from the tiny Kitti's hog-nosed bat to the majestic flying foxes. These winged mammals are found in almost every corner of the globe, from the scorching deserts to the lush rainforests. Their diversity is a testament to their adaptability and resilience.
Bats are insectivores, feeding on a vast array of insects, from mosquitoes to beetles. A single bat can consume up to 1,200 insects in an hour, making them a crucial part of our pest control system. By preying on insects that damage crops, bats save the agricultural industry billions of dollars each year.
But bats are not just useful; they are also fascinating creatures. Their ability to fly in complete darkness, using echolocation to navigate and hunt, is a remarkable feat of evolution. They are also social animals, living in colonies and communicating with each other through a complex system of calls and body language.
Despite their importance, bats face numerous threats, from habitat destruction to climate change. Many species are endangered, and conservation efforts are necessary to protect these magnificent creatures.
In conclusion, bats are more than just creatures of the night; they are a vital part of our ecosystem, playing a crucial role in maintaining the balance of nature. By learning more about these fascinating animals, we can appreciate their importance and work to protect them for generations to come. So, let us embrace the beauty and mystery of bats, and celebrate their unique place in our world.
Insanony: Watch Instagram Stories Secretly - A Complete GuideTrending Blogers
Welcome to the world of social media, where Instagram reigns supreme! Today, we're going to explore a fascinating tool called Insanony that lets you watch Instagram Stories secretly. If you've ever wanted to view someone's story without them knowing, this blog is for you. We'll delve into everything you need to know about Insanony with Trending Blogers!
Biography and career history of Bruno AmezcuaBruno Amezcua
Bruno Amezcua's entry into the film and visual arts world seemed predestined. His grandfather, a distinguished film editor from the 1950s through the 1970s, profoundly influenced him. This familial mentorship early on exposed him to the nuances of film production and a broad array of fine arts, igniting a lifelong passion for narrative creation. Over 15 years, Bruno has engaged in diverse projects showcasing his dedication to the arts.
Amid the constant barrage of distractions and dwindling motivation, self-discipline emerges as the unwavering beacon that guides individuals toward triumph. This vital quality serves as the key to unlocking one’s true potential, whether the aspiration is to attain personal goals, ascend the career ladder, or refine everyday habits.
Understanding Self-Discipline
Care Instructions for Activewear & Swim Suits.pdfsundazesurf80
SunDaze Surf offers top swimwear tips: choose high-quality, UV-protective fabrics to shield your skin. Opt for secure fits that withstand waves and active movement. Bright colors enhance visibility, while adjustable straps ensure comfort. Prioritize styles with good support, like racerbacks or underwire tops, for active beach days. Always rinse swimwear after use to maintain fabric integrity.
MRS PUNE 2024 - WINNER AMRUTHAA UTTAM JAGDHANEDK PAGEANT
Amruthaa Uttam Jagdhane, a stunning woman from Pune, has won the esteemed title of Mrs. India 2024, which is given out by the Dk Exhibition. Her journey to this prestigious accomplishment is a confirmation of her faithful assurance, extraordinary gifts, and profound commitment to enabling women.
3. For internal use
Danske Mobilbank
iPhone-version available in App Store. The timing was right
Android-version available in Android Market
3
4. For internal use
Nordic consumers are ready for mobile banking
- More than 70 % are interested in day-to-day mobile banking
51 % would like to check their balances
40 % would like to transfer money to other accounts
32 % would like to pay their bills
31 % would like to see the latest transactions
24 % would like to enrol bills to payment services
12 % would like to communicate via SMS, chat or video
Source: YouGov Zapera, for Danske Bank, Juli 2010
4
5. For internal use
Use of smartphones are growing rapidly
Global mobile vs. desktop
internet user projection
• Mobile browsing and use of app‟s 2.000
has exploded and is expected to
exceed laptop browsing in 2014 1.600
(Source: Morgan Stanley, April
2010)
Internet users (MM)
• In DK approximately 750.000 1.200
people have an iPhone or Google-
Android phone (Jon Lund, June 800
2010)
• About 250.000 of those are
400
customers in Danske Bank Mobile internet users
Desktop internet users
0
5
7. For internal use
So why have things started to move?
1. Ultra capable and user-friendly devices
2. High performance networks
3. Relevant and user friendly services
4. Growing consumer trust in digital
solutions
• The 4 above elements have now come together
and provides huge opportunity for service and
application providers – also within the financial
sector
7
10. For internal use
Immediate user feedback
- App Store & Android Market
10
11. For internal use
What’s been good
- 90 percent of all reviews
• Native
• “Look and feel”
• Performance & responsiveness
• The services
• Simple, relevant & convenient
11
12. For internal use
What can be improved
- 10 percent of all reviews
• iPad optimization
• Include business accounts
• Graphical spending report & budgeting
• Easy access to account (no NemID)
• Improved payment functionalities
• Performance on specific Android devices
12
13. For internal use
More than 430.000 downloads Android
iPhone
Total number of downloads in thousands from Sept. 2010 – Oct. 2011, All Nordic brands.
432.300
395.500
363.000
137.600
334.700
123.000
112.000
280.700
100.600
228.700 79.100
61.000
171.000
126.000 43.000 294.700
272.500
234.100 251.000
25.000
201.600
60.000 167.700
128.000
101.000
60.000
Sept 10 Nov 10 Jan 11 Mar 11 May‟11 Jul‟11 Aug‟11 Sep‟11 Oct‟11
Source: ePerfomance 13
14. For internal use
# Mobile transactions increases month by month
Mobile transactions per month eBank transactions per month
220.000 DK 4.000.000
DK
200.000
3.500.000
180.000
3.000.000
160.000
SP*
140.000 2.500.000
120.000
2.000.000
100.000
SP*
80.000 1.500.000
NO
60.000
SE 1.000.000 SE
40.000 NO
500.000
20.000
0 0
Sep Nov Jan Mar May Jul Aug Sep Oct Sep Nov Jan Mar May Jul Sep Oct
‟10 ‟10 ‟11 ‟11 ‟11 ‟11 ‟11 ‟11 ‟11 ‟10 ‟10 ‟11 ‟11 ‟11 ‟11 ‟11 ‟11
*SP includes transactions made via mobile web on a PC
Source: ePerformance 14
15. For internal use
6% of all online transactions are conducted via the Mobile bank app
Mobile share of total online transactions in September(DK, SE, NO)
6,0% 6%
5,5%
5%
5,0%
4,5%
4%
4,0%
3,5%
3%
eBanking
3,0%
2,5%
2,0%
1,5%
1,0% Mobile
0,5%
0,0%
Jul Sep ‟10 Nov ‟10 Jan ‟11 Mar ‟11 May ‟11 Jul Sep ‟11 Oct ‟11
„11 „11
ePerformance 15
16. For internal use
Media results
The largest and most positive press campaign for Danske Bank since we started
media tracking in 2008
Press coverage in app. 200-220 media reaching potential 19 Mio. readers (TV/radio,
national newspapers, regional/local, vertical and online media)
77 percent of all press articles has been positive, 22 percent neutral and Only 1
negative.
1/3 of the social media coverage concerning Danske Bank has been about Danske
Mobile Bank. The campaign created the highest number of positive/neutral tweets in
2010
16
17. For internal use
Agile development catalyst of a large strategic marketing/
communication campaign
Sept. 2010 Oct. 2010 Dec. 2010 Feb. 2011 April 2011 May 2011
17
18. For internal use
Key take a ways
Convenience, relevance and simplicity is key
Continuously test during app development – responsiveness is key
Choice among multiple mobile platforms
Listen to your customers – they may have many of the answers…
Small and agile team
Mobile is not the answer to everything… in a MCB perspective
18
19. For internal use
Customer needs and service offerings will drive interaction
Finance Centre eBanking
”I like to handle
banking by myself”
Mobile
Branches
Self directed
service
Contact center
ATMs
Direct mails Digital letters
19
20. For internal use
Customer needs and service offerings will drive interaction
Finance Centre eBanking
”Advisory services and
personal interaction is
what I expect” Mobile
Branches
Face-to-face
service
Contact center
ATMs
Direct mails Digital letters
20
21. For internal use
What’s next?
Strategic choices – timing, platforms, devices, hybrid, native, browser based etc.
Enhance service offerings without jeopardizing simplicity and convenience
Utilize the unique features of the smartphones and tablets – Camera, GPS, Touch, etc.
Extensive user analysis
Integration of a new channel in a multi-channel banking setup
Tablets and mobile payments…?
21
22. For internal use
Crowd sourcing on Facebook are strengthening development
and customer loyalty
• 3000+ New fans on Facebook strengthening the customer relationship
• 281 Ideas from customers to guide the future development on mobile and tablets
• 5412 Votes on polls and ideas, qualifying current and future development
• 327 Comments on ideas and polls specifying the design of services
22
23. For internal use Innovated by Danske Bank
Designed by DesignIT
Loved by Danske Bank Customers
Contact information:
Esben Torpe Jørgensen
Mobile: +45 41 95 02 08
Mail: esjr@danskebank.dk
23