Digital transformation is moving more financial and lifestyle experiences to mobile applications as the rise of digital payments and mobile apps presents risks for banks to become disconnected from customers. Banks can increase loyalty and expand revenue by adopting a "mobile first" strategy. This involves building dedicated mobile app teams, establishing APIs, and opening to third parties to provide services within banks' apps and embed bank services into other apps. A mobile first approach helps banks remain engaged with customers in the new normal.

1. Digital Transformation with
Mobile First
Ronald Raffensperger
CTO Digital Transformation, Financial Services
April, 2021

2. 2
Technology Accelerates Everyday Life to Mobile
Business Internet
Consumer Internet
E-commerce
Food delivery
Social
Transportation
Banking
Short video
Device, Connection, Cloud Computing Availability Expand Mobile Usage

3. 3
Digital Payment in China: Payment Ecosystem Evolves
QR code
Digital payment
ecosystem
• Internet native
• Independent of
devices, companies
Enhance payment services
Super apps with
merchants’ mini
programs
Dispute
Rate
Tx history
Group payment
Tx history
>90% of ALL Payments are Digital Through Mobile Devices

4. 4
Bank
App
Branch
Open A/C, Offline KYC, Cash, Big amout
transfer, e-branch
To Compete, Bank Mobile Apps Must Deliver Lifecycle Experience
ATM
Cash-in/out without card
Call-Center
Customer inquiry, complaint, promotion
RM
Relationship, sales, promotion
Financial Services Online
3rd Party Services
HTML5/API/Mini
Program
Financial
Services
Journey
Journey
Engagement
Engagement

5. 5
Share Traffic
- Provide 3rd party services to banks clients with mini programs
Bank
App
E-coupon/Voucher
- Clients redeem in-app e-coupon/vouchers with online/offline merchants
Joint Membership
- Link client’s digital ID with 3rd Party’s member id, and can provide equivalent
services in both side
Embed to other Apps
- Provide bank’s services to 3rd Party App by open API
Differentiated Apps
- Apps for different client segments with shared services
Financial Social App
- Secure Social platform for clients, bankers and services providers
Mobile Apps Open Opportunities for New Business

6. 6
Mobile First Journey
Multi Apps
(multi user id)
Unique user
id/device id
（shared id services)
Super App Architecture
Develop mini programs
Shared Services
Open Services to multi Apps
Embed Apps Service
Embed 3rd Party Apps using
HTML5
Joint Member
Joint membership by digital ID

7. 7
Example: CMB bank Super App
City Services(developed by branch) 3rd Party Services(developed by vendors)
Customer Relationship
Manager
Engagement Platform
Micro Services

8. 8
Grow MAU with E-coupons in Bank’s App
Life
Channel
Meal Vouchers
Nearby Starbucks
location
Phone no
Americano
Latte
Macchiato
Comments
Purchase
quantities
Total amount
Nearest shop
all shop
instructions
Confirm order & pay
Pay
&
redeem

9. 9
E-Coupons are Simple for Users
and Merchants
quantities
Total amount
Confirm order
price
Phone no
Confirm & Pay
product
Select your accounts
Confirm & Pay
Confirm payment
Payment result
Subsidies
discount
merchant
tx time
paying bank
card no
tx no
SMS notification
Expiry Date
Voucher no
instructions
Order amount
discount amount
Payment
order no
order time
refund

10. 10
Huawei Mobile Money Solution
Finance Service Provider
Mobile Money Operator
Product Definition
Business Innovation
Market
Opportunities
Capability
Openness
Joint
Innovation
Digital Access & Experience Platform Economy
Business Operation
Cloud Native Microservices Distributed Containerization
Risk Control Credit Limit Precision marketing
Overdraft Micro Loan Consumer Finance Saving Insurance
Open API Digital Channel
Developer Platform Marketplace Portal
Travel Shopping Education Health Entertainment

11. 11
Mobile First is More Than a Technology Journey
Build Super App Team Establish API Open to 3rd Party
• Build dedicated IT app
team
• Setup app biz team (PM,
UX/UI, Oper, BD, Security)
• Build fraud detection
system
• Redesign customer
journeys
• Trace & track app
behaviors and optimize
customer experiences
• Continuously simplify services
and journeys
• Open robust & stable APIs to
inner users(department,
branches)
• Establish API accessing/risk-
control processes
• Continuously monitor &
optimize APIs
• Construct oper. platform for
campaigns /customers
/coupons /merchants
management
• Establish 3rd Party
merchants set up register
/access/risk-control
processes
• Open API to small scope
of merchants (pilots),
monitor & optimize APIs
and processes
• Mass Train & Open API to
3rd Party merchants,
continuously monitor and
optimize APIs and
processes
New Biz Model
• Open e-coupon to 3rd
party merchants
• Embed HTML5/services
to 3rd party apps
• Inter-connect with 3rd
Party membership

12. 12
•In the “New Normal”, more and more financial and lifestyle experiences
will move Online via Mobile applications
•The rise of Digital Payments and Mobile Apps presents banks with the
risk of being disconnected from their customers
•Banks can increase customer loyalty and expand revenue sources by
moving to “Mobile First”
Summary

13. Copyright©2018 Huawei Technologies Co., Ltd.
All Rights Reserved.
The information in this document may contain predictive
statements including, without limitation, statements regarding
the future financial and operating results, future product
portfolio, new technology, etc. There are a number of factors that
could cause actual results and developments to differ materially
from those expressed or implied in the predictive statements.
Therefore, such information is provided for reference purpose
only and constitutes neither an offer nor an acceptance. Huawei
may change the information at any time without notice.
把数字世界带入每个人、每个家庭、
每个组织，构建万物互联的智能世界。
Bring digital to every person, home and
organization for a fully connected,
intelligent world.
Thank you.