The document provides an overview of mobile banking and payments. It discusses how mobile money has impacted economies and user behaviors, with 20% of Kenya's GDP sent via M-Pesa annually and over 10% of mobile users making payments on their devices. The future of banking is seen as financial institutions becoming platforms for other industries. Mobile money allows for benefits like customer acquisition, marketing opportunities, and new services like person-to-person transfers and location-based offerings.

1. Mobile Money
an overview of mobile banking and
payments
Lorenzo Bolognini, Sales Manager

2. The end of the PC era

3. Where are we going?

4. What is mobile money today?
Mobile Mobile
Banking Payments
eTrading &
Mobile Wallet
PFM

5. We're already using mobile money

6. The impact so far
● 20% of Kenya GDP is sent via M-Pesa each year
● 12% of mobile phone owners have made payments
via their devices
● 42% of mobile banking users have used their devices
to transfer funds between accounts
● 56% of UK tablet owners use finance or banking apps
● 25% of Italian smartphone users use mobile banking

7. What makes mobile special?

8. A short history of mobile banking
● SMS Banking
● WAP Banking
● Mobile Internet Banking
● Mobile banking apps

9. What's in for the banks?
● Customer retention / acquisition
● Marketing / Brand side-effect
● Opportunity to challenge partners
● Keep competition at bay
● Cross-selling

10. Some concrete examples
● ATM locator
● Partner discounts
● Voice recognition
● QR code scanning / NFC
● Location aware services
● Automatic PFM reporting
● Money transfer among individuals
● Square

11. The future of banking
“iOS is just a platform. Financial institutions should think of
themselves as a platform, and other industries can operate
on top of this platform„ --Mark Jamison, VP Capital One

12. What about Czech Republic?

14. Thank You!
Lorenzo Bolognini
Sales Manager, iDa Mobile
bolognini@idamob.com
+420 721 976 563
www.idamob.com