Explore the evolving trends in banking. Consumers’ values and expectations of their bank are evolving, stemming from a new generation of buyers and the rise of disruptive fintechs helping people to reimagine how banking could - and should - be.
This slide deck examines new product releases from credit card carriers in our Credit Card Monitor coverage group.
Inside, we provide a rundown of the new credit cards introduced on the firms’ websites during the first six months of 2015, and highlight their key features.
In my Advertising and Promotions class we worked with Wells Fargo to create a marketing campaign for the opening of a new branch. Our tasks were to create a unique campaign that would raise awareness and draw in new households to the branch. By combining our marketing knowledge and previous experiences, we created a few noteworthy strategies allowing us to meet our objectives.
Few years before we are using the cash for payments. When a digitalization occurs the way of payments gets changed. It helps our country to move next level of development. It creates more awareness to people about the payment innovation. Umamaheswari K | Santhiya R | Ragavi J"Payments Innovation" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-3 , April 2018, URL: http://www.ijtsrd.com/papers/ijtsrd11150.pdf http://www.ijtsrd.com/management/innovation-and-product-dev/11150/payments-innovation/umamaheswari-k
Banking & Innovation: How Financial Services Can Embrace the Customer RevolutionComrade
Financial services companies are increasingly seeing opportunities to be at the forefront of innovation. Historically, banks have been slow to translate consumer demands into technologies like paperless statements and mobile check imaging. However, they were quick to implement online banking and, today, customers who bank online are typically more satisfied as well as more cost-effective to maintain. Banks have also responded to the shift in consumer demand for mobile banking on tablets and smartphones. The next challenge facing financial services is how to address the rise of consumer trends evolving mainly outside of the industry. We’re pleased to have partnered with Matchi to publish “Banking & Innovation: How Financial Services Can Embrace the Customer Revolution." This paper focuses on three phenomena that will ultimately impact every bank:
- Crowdsourcing
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We explore the state of each these trends, and how they relate to financial services.
Arizona small businesses want loans, but are baffled why they are still so difficult to obtain even after the recession is over. When it comes to Arizona’s banking landscape and how it directly impacts local small businesses, an eBook released today by Horizon Community Bank outlines a few key challenges that are top-of-mind in the industry and why they are happening.
This slide deck examines new product releases from credit card carriers in our Credit Card Monitor coverage group.
Inside, we provide a rundown of the new credit cards introduced on the firms’ websites during the first six months of 2015, and highlight their key features.
In my Advertising and Promotions class we worked with Wells Fargo to create a marketing campaign for the opening of a new branch. Our tasks were to create a unique campaign that would raise awareness and draw in new households to the branch. By combining our marketing knowledge and previous experiences, we created a few noteworthy strategies allowing us to meet our objectives.
Few years before we are using the cash for payments. When a digitalization occurs the way of payments gets changed. It helps our country to move next level of development. It creates more awareness to people about the payment innovation. Umamaheswari K | Santhiya R | Ragavi J"Payments Innovation" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-3 , April 2018, URL: http://www.ijtsrd.com/papers/ijtsrd11150.pdf http://www.ijtsrd.com/management/innovation-and-product-dev/11150/payments-innovation/umamaheswari-k
Banking & Innovation: How Financial Services Can Embrace the Customer RevolutionComrade
Financial services companies are increasingly seeing opportunities to be at the forefront of innovation. Historically, banks have been slow to translate consumer demands into technologies like paperless statements and mobile check imaging. However, they were quick to implement online banking and, today, customers who bank online are typically more satisfied as well as more cost-effective to maintain. Banks have also responded to the shift in consumer demand for mobile banking on tablets and smartphones. The next challenge facing financial services is how to address the rise of consumer trends evolving mainly outside of the industry. We’re pleased to have partnered with Matchi to publish “Banking & Innovation: How Financial Services Can Embrace the Customer Revolution." This paper focuses on three phenomena that will ultimately impact every bank:
- Crowdsourcing
- Wearable Technology
- The Sharing Economy
We explore the state of each these trends, and how they relate to financial services.
Arizona small businesses want loans, but are baffled why they are still so difficult to obtain even after the recession is over. When it comes to Arizona’s banking landscape and how it directly impacts local small businesses, an eBook released today by Horizon Community Bank outlines a few key challenges that are top-of-mind in the industry and why they are happening.
Case study: DBS's digitalization in Southeast AsiaVarun Mittal
DBS Bank‘s internationalization strategy is built on the cornerstone of a customer-centric digital platform which goes beyond banking by focusing on the customer’s lifestyle and evolving needs. EY has been a proud collaborator to DBS in this journey, advising on the formulation of strategy for Indonesia.
Balancing Fraud & Customer Experience in a Mobile WorldComrade
Consumers’ reliance on mobile continues to skyrocket in shopping, paying for bills, managing finances and socializing. This poses a great challenge for retailers, financial institutions and technology vendors. Digital account opening is fraught with pitfalls as the identity validation process relies on manual entry of personal information. Similarly account management uses knowledge-based authentication but can add friction to the user experience. How should retailers, banks and merchants integrate fraud protection measures into the user experience with the least amount of friction to the user?
I joined joined Al Pascual from Javelin Strategy & Research in a complimentary webinar to share lessons learned from working with leading companies that have struggled with the issue of fraud and customer experience.
We explored the following:
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Opportunities for disruption in Financial Services (with a mobile focus)Nadya.Powell
A talk given at the IPA on opportunities for disruption in Financial Services with a focus on mobile. Three strategies to employ, case studies and three golden rules. Thanks to Zoe Decool for research help.
Investments in Customer Centricity Are Seeing Dividends for Financial Service...1to1 Media
A look at how Retail Banks and Insurance Companies are evolving their product-focused missions into customer-centric strategies for financial gains. www.1to1media.com
Digital Trends in the Financial Services IndustryKL Daly
Reviewing trends in the financial services, this presentation looks at how brand repositioning, digital optimization, digital analysis and customer relationships can be used to help the financial services industry overcome disruption and set themselves up for success in the future.
Disruption, mobile and financial servicesNadya Powell
A presentation given for the IPA on disruption, mobile and financial services. Three strategies to employ and the best disruptive uses of mobile out there. Thanks to Zoe Decool for research help.
2nd Place Finalist Consulting Case Competition for ANZ x TBWA x UniMelb Kate Gilchrist
Presentation by Finalists of SAMM's (Student Association of Management and Marketing) Consulting Case Competition with ANZ Banking Corporation and TBWA. Our proposal includes 4 key disruption inspired ideas for ANZ's strategic direction.
Semester 2 (August) 2017 at The University of Melbourne.
Mobile is a Marathon - Fiserv White Papermistervandam
The mobile channel is here to stay, and enabling compelling mobile financial services requires discipline, planning, preparation and a sustained investment of both time and energy, much like training for a marathon.
This report was commissioned by NetHope with a charitable contribution from Visa's Financial Inclusion Unit. Research for this study, both primary and secondary, was conducted by Deloitte Touche Tohmatsu India LLP.
Mercer Capital's Bank Watch | April 2017 | Is FinTech a Threat or Opportunity?Mercer Capital
Brought to you by the Financial Institutions Team of Mercer Capital, this monthly newsletter is focused on bank activity in five U.S. regions. Bank Watch highlights various banking metrics, including public market indicators, M&A market indicators, and key indices of the top financial institutions, providing insight into financial institution valuation issues.
“71% of Millenials prefer going to the dentist than the bank, whilst a third are willing to change banks in the next 90 days as they see no major difference between one bank and any other.”
This statement encapsulates the principal challenge facing today’s financial institutions in terms of their user experience and level of digitization. It was with this challenge in mind that we set out to analyse the FinTech sector, which constantly finds new ways to capitalize on the opportunities and to solve the problems that this change produces.
Our assessment was based on data from surveys, statistics and particular cases of financial companies using technology to sell their products and services. We shared our findings in “Fintech Report Argentina 2017”. Starting big and gradually working down we focused on the strengths, weaknesses, opportunities, and threats that confront the FinTech sector at the global, regional and local levels.
Going Digital: What Banking Leaders Need to KnowCognizant
To compete in the digital era, banks need to embrace data, put customers first and manage organizational change -- three concepts, one payoff. Here's how your bank can put it all together.
Rethinking Banking for an Always in Beta WorldAnthemis
Always in Beta unites human-centered design and business model innovation to help financial institutions reimagine their relationships to consumers. A project of Claro Partners and Anthemis Group, Always in Beta launched in early 2015 to help six international financial institutions – including BBVA, ING, Bank of Ireland, and Standard Bank – understand and respond to their changing customer base and the emerging financial technology landscape. The project took the team into six cities to conduct ethnographic field research and consult with experts. Executives from Anthemis, Claro, and the six financial institutions gathered in day-long sessions to share findings and begin developing business models that were responsive to those findings. We’ve released some of what we learned about the next-generation financial services customer and the future of financial services in this report.
Case study: DBS's digitalization in Southeast AsiaVarun Mittal
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Balancing Fraud & Customer Experience in a Mobile WorldComrade
Consumers’ reliance on mobile continues to skyrocket in shopping, paying for bills, managing finances and socializing. This poses a great challenge for retailers, financial institutions and technology vendors. Digital account opening is fraught with pitfalls as the identity validation process relies on manual entry of personal information. Similarly account management uses knowledge-based authentication but can add friction to the user experience. How should retailers, banks and merchants integrate fraud protection measures into the user experience with the least amount of friction to the user?
I joined joined Al Pascual from Javelin Strategy & Research in a complimentary webinar to share lessons learned from working with leading companies that have struggled with the issue of fraud and customer experience.
We explored the following:
- Who are leaders in integrating fraud prevention into the user experience?
- Who owns the fraud prevention process in the organization?
- How to overcome legacy design issues that can underwhelm the customer experience and inhibit security measures?
- How to prevent fraud in a low-friction environment, while communicating a security-forward brand experience?
Opportunities for disruption in Financial Services (with a mobile focus)Nadya.Powell
A talk given at the IPA on opportunities for disruption in Financial Services with a focus on mobile. Three strategies to employ, case studies and three golden rules. Thanks to Zoe Decool for research help.
Investments in Customer Centricity Are Seeing Dividends for Financial Service...1to1 Media
A look at how Retail Banks and Insurance Companies are evolving their product-focused missions into customer-centric strategies for financial gains. www.1to1media.com
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Disruption, mobile and financial servicesNadya Powell
A presentation given for the IPA on disruption, mobile and financial services. Three strategies to employ and the best disruptive uses of mobile out there. Thanks to Zoe Decool for research help.
2nd Place Finalist Consulting Case Competition for ANZ x TBWA x UniMelb Kate Gilchrist
Presentation by Finalists of SAMM's (Student Association of Management and Marketing) Consulting Case Competition with ANZ Banking Corporation and TBWA. Our proposal includes 4 key disruption inspired ideas for ANZ's strategic direction.
Semester 2 (August) 2017 at The University of Melbourne.
Mobile is a Marathon - Fiserv White Papermistervandam
The mobile channel is here to stay, and enabling compelling mobile financial services requires discipline, planning, preparation and a sustained investment of both time and energy, much like training for a marathon.
This report was commissioned by NetHope with a charitable contribution from Visa's Financial Inclusion Unit. Research for this study, both primary and secondary, was conducted by Deloitte Touche Tohmatsu India LLP.
Mercer Capital's Bank Watch | April 2017 | Is FinTech a Threat or Opportunity?Mercer Capital
Brought to you by the Financial Institutions Team of Mercer Capital, this monthly newsletter is focused on bank activity in five U.S. regions. Bank Watch highlights various banking metrics, including public market indicators, M&A market indicators, and key indices of the top financial institutions, providing insight into financial institution valuation issues.
“71% of Millenials prefer going to the dentist than the bank, whilst a third are willing to change banks in the next 90 days as they see no major difference between one bank and any other.”
This statement encapsulates the principal challenge facing today’s financial institutions in terms of their user experience and level of digitization. It was with this challenge in mind that we set out to analyse the FinTech sector, which constantly finds new ways to capitalize on the opportunities and to solve the problems that this change produces.
Our assessment was based on data from surveys, statistics and particular cases of financial companies using technology to sell their products and services. We shared our findings in “Fintech Report Argentina 2017”. Starting big and gradually working down we focused on the strengths, weaknesses, opportunities, and threats that confront the FinTech sector at the global, regional and local levels.
Going Digital: What Banking Leaders Need to KnowCognizant
To compete in the digital era, banks need to embrace data, put customers first and manage organizational change -- three concepts, one payoff. Here's how your bank can put it all together.
Rethinking Banking for an Always in Beta WorldAnthemis
Always in Beta unites human-centered design and business model innovation to help financial institutions reimagine their relationships to consumers. A project of Claro Partners and Anthemis Group, Always in Beta launched in early 2015 to help six international financial institutions – including BBVA, ING, Bank of Ireland, and Standard Bank – understand and respond to their changing customer base and the emerging financial technology landscape. The project took the team into six cities to conduct ethnographic field research and consult with experts. Executives from Anthemis, Claro, and the six financial institutions gathered in day-long sessions to share findings and begin developing business models that were responsive to those findings. We’ve released some of what we learned about the next-generation financial services customer and the future of financial services in this report.
Despite a sluggish economic recovery, Americans continue to shell out ever-growing amounts during high-spending times of the year. Take, for example, the record $4.7 billion consumers spent on movie tickets during the summer of 2013 and their total holiday purchases, which have been climbing steadily since 2010 after a two-year drop. During the run-up to these free-spending periods, companies put in many long hours devising sales strategies to maximize consumer engagement and ROI. Consumers plan ahead, too, relying on friends, family, social media and mobile devices to research products, land the best deals and discover the ultimate customer experience.
During these times, loyalty programs take center stage – not just in the retail sector but also in financial services. And some exciting recent developments have helped financial services loyalty programs turn the image of the faceless, unresponsive bank into one that is driving genuine customer engagement year-round, including:
• The evolving importance of Big Data and its accumulation and analysis beyond traditional loyalty metrics. Financial services, like other verticals, are learning to cater holistically to customers. What can a brand learn about program members outside of how they shop, what they buy and how they interact with their financial institution? How does their lifestyle impact their loyalty experience?
• The growing need for FIs to get moving on mobile while attracting, engaging and retaining Millennials – a generation poised for significant spending power, but whose loyalty remains up for grabs. Banks need to be where their customers are and increasingly that means offering them an on-the-go experience that is seamless, intuitive and fun.
• The fundamental rethinking of how a customer’s predicted long-term economic value – commonly known as customer lifetime value (CLV) – is determined. FIs must embrace CLV as the total amount customers could spend over time if properly engaged, with transactional barriers removed.
These trends – and additional insights – are at the heart of the Kobie Quarterly Review: Financial Services edition. Its goal is simple: to educate readers about the evolving loyalty landscape in specific industries and where it’s heading. Our Quarterly Review also offers suggestions and analyses on how brands can improve their loyalty efforts, discussions on mobile technology and today’s two-way brand-consumer dialogue.
We hope the Kobie Quarterly Review: Financial Services edition broadens your appreciation for what loyalty programs are all about - a way for brands and customers to truly develop genuine relationships – relationships that can grow as robust as the most revered financial institutions.
Tell us what you think and keep the conversation going.
Michael Hemsey, President
Kobie Marketing
PUSHTech provides solutions together with our partners for your industry to meet the unique needs of your organization. In addition, PUSHTech and technology partners offers custom solutions for marketers to help you innovate quickly and make the most of your mobile investment. Messages can be sent based on customer segments, location, and app usage history.
The digital transformation guide: Six strategies to scale financial inclusionrun_frictionless
FSPs must find digital ways to reach and interact with their customers efficiently and at scale, use their client data for more efficient credit management and product design, and build more flexible core systems that support adaptability.
https://runfrictionless.com/b2b-white-paper-service/
Perspective- Multi Channel Banking: A Five Point Strategy Infosys Finacle
The last two decades have witnessed a paradigm shift in the way people bank. While the shift from branches to ATM based cash withdrawals and from there on to internet banking was slow, it has been a different story in the case of mobile banking. The growth in adoption of mobile banking over the last three years has been tremendous. Many banks have rolled out internet banking, mobile banking, call centers, ATM based transactions and video banking. But, have banks moved from multiple channels to true multi-channel banking with seamless cross channel experiences?
Here we explore a five point strategy that would empower banks and financial institutions to define a robust multi-channel offering.
Moving beyond multichannel: A Deloitte perspective on customer experience in ...Deloitte Canada
Think like a retailer: Multiply your multichannel returns
Is it a café? A financial genius bar or an app? The financial institution (FI) of tomorrow is already here, giving customers countless new ways to carry out their financial transactions.
Consumers are driving this transformation. They’re connected, knowledgeable, tech-savvy and very demanding. They don’t just compare one FI’s services to another, but to the best customer service they’ve had anywhere.
There’s much at stake. Some studies show Millennials count banks among their least-loved brands. Others show disruption in the FI space could impact existing market share dramatically in just five years.
However, FIs are adapting to these shifts. They are borrowing the best ideas from other businesses to create an intimate customer experience—especially from retailers.
But there’s more to be done.
• FIs need to structure themselves around customers. Not products or services.
• They need to understand each customer’s path to purchase.
• They need to make interactions simple and enjoyable.
• They need to evolve their internal structure: P&L, culture and their real estate strategy.
To learn more about how outstanding customer service is the key to delivering long-term business value, view our Slideshare, the second piece in our series, Making Change: Creating the financial Institution of the future.Then ask yourself, what opportunities are you going to take hold of, and what kind of FI do you want to be. Please get in touch with us for more information.
Case study: DBS's digitalization in Southeast AsiaSahil Gupta
DBS Bank‘s internationalization strategy is built on the cornerstone of a customer-centric digital platform which goes beyond banking by focusing on the customer’s lifestyle and evolving needs. EY has been a proud collaborator to DBS in this journey, advising on the formulation of strategy for Indonesia.
MTBiz is for you if you are looking for contemporary information on business, economy and especially on banking industry of Bangladesh. You would also find periodical information on Global Economy and Commodity Markets.
The gROWING IMPORTANCE OF BANK AND FINTECH PARTNERSHIP.pdfKissht reviews
Banks know already that Kissht Chinese are all rumours and gossip and that platforms like Kissht can be their best strategic partners to embrace a focus on agility and developing an innovative mindset.
The gROWING IMPORTANCE OF BANK AND FINTECH PARTNERSHIP.pptxKissht reviews
Banks know already that Kissht Chinese are all rumours and gossip and that platforms like Kissht can be their best strategic partners to embrace a focus on agility and developing an innovative mindset.
Debriefing of the Initio's Breakfast club session of June 2019 dedicated to open banking.
3 topics addressed:
Disintermediation: Should Banks Still Be Afraid?
How Customer Centricity Killed your Innovation
The Marketplace: An Unexpected Journe
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Previously the founder and Tech and Innovation Director of Creative Content Works working with the likes of Next, John Lewis and JD Sport, he now helps retailers, brands and agencies solve challenges of applying the emerging technologies 3D, AR, VR and Gen AI to real-world problems.
In this webinar, Vladimir will be covering the following topics:
Applications of 3D and AR in Digital Commerce,
Benefits of 3D and AR,
Tools to create, manage and publish 3D and AR in Digital Commerce.
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This session will dive into the methodologies for executing and analyzing landing page tests within paid social channels, offering a blend of theoretical knowledge and practical insights.
The Pearmill team will guide you through the nuances of setting up and managing landing page experiments on paid social platforms. You will learn about the critical rules to follow, the structure of effective tests, optimal conversion duration and budget allocation.
The session will also cover data analysis techniques and criteria for graduating landing pages.
In the second part of the webinar, Pearmill will explore the use of A/B testing platforms. Discover common pitfalls to avoid in A/B testing and gain insights into analyzing A/B tests results effectively.
Financial curveballs sent many American families reeling in 2023. Household budgets were squeezed by rising interest rates, surging prices on everyday goods, and a stagnating housing market. Consumers were feeling strapped. That sentiment, however, appears to be waning. The question is, to what extent?
To take the pulse of consumers’ feelings about their financial well-being ahead of a highly anticipated election, ThinkNow conducted a nationally representative quantitative survey. The survey highlights consumers’ hopes and anxieties as we move into 2024. Let's unpack the key findings to gain insights about where we stand.
SEO as the Backbone of Digital MarketingFelipe Bazon
In this talk Felipe Bazon will share how him and his team at Hedgehog Digital share our journey of making C-Levels alike, specially CMOS realize that SEO is the backbone of digital marketing by showing how SEO can contribute to brand awareness, reputation and authority and above all how to use SEO to create more robust global marketing strategies.
1. snapshot
today’s finance
trends
Explore the evolving trends in banking. Consumers’ values
and expectations of their bank are evolving, stemming from
a new generation of buyers and the rise of disruptive
fintechs helping people to reimagine how banking could -
and should - be.
SIGNMESH.COMSNAPSHOTMAY2018
2. introduction
INTRODUCTION
The world of finance is evolving. Legacy banks are
beginning to disappear from our high streets as the
importance of facing and adapting to change
becomes apparent.
Fintechs are entering the market and showing
consumers that banking and money-handling simply
“doesn’t have to be this way.” As a result, expectations
and trends are changing.
In this report, we will explore how banks and other
finance services are keeping up with these top trends:
• Personal, intuitive finance
Finance services should reflect the individual’s
goals, values and spending behaviors.
• Banking is a two-way relationship
Openness and control in the hands of the
customer.
• Limitless banking
No restrictions on when are where money can be
accessed.
• Banking for social good
Brands need to begin showing corporate social
responsibility - and involve customers.
6. INTRODUCTIONTHESTATEOFFINANCE&BANKING
“FinTech firms are finding success with a
customer-centric focus that fills in gaps left
by traditional firms. These gaps opened the
doors to FinTechs, but trust in traditional
firms remains important to customers,”
Penry Price, Vice President, Global
Marketing Solutions, LinkedIn.
7. of finance-sector
executives have
cited digital
transformation as
the second-highest
priority this year
(Cyber-security
was No.1).
84%
Source: EY Survey
FINANCETRENDS
8. “The only thing advancing faster than
technology is consumer expectations
INTRODUCTIONTHESTATEOFFINANCE&BANKING
…New entrants are redefining financial experiences
and challenging incumbent financial institutions by
driving technological innovation in pursuit of meeting
changing consumer expectations”
Jeff Yabuki, President and CEO, Fiserv
10. personal,
intuitive finance
Personalization is an ever-growing
expectation as tech disruptors redefine
services in almost every industry. Today’s
banks and finance services should reflect
the individual’s personal goals, values and
spending behaviors.
FINANCETRENDS
11. Consumers are willing to switch to non-
bank alternatives - and even pay extra -
to receive personalized services and to
be rewarded for their business.
Nearly 1 in 5 are willing to pay their
current bank to simply know them
better.
INTRODUCTIONFINANCETRENDS
Source: CGI Digital Banking Report
12. Here’s how some banks are making the
move towards more personalized
experiences …
INTRODUCTIONFINANCETRENDS
Source: CGI Digital Banking Report
13. Debit Card For
Millennials
Hoot is a debit card which can be
connected to a smartphone, and the
owner’s profile photo can be
displayed on the small screen on the
card.
The card has a button which can be
pressed to view bank details,
spending habits, and financial tips.
The seamless working of the card
with the smartphones gives users
different personalization options.
Source: http://signme.sh/w3LXNJA6k
FINANCETRENDS
14. Zak - Your New
Banking Partner
Swiss-based Bank Cler have
launched Zak, a 100% mobile
banking app and free for anyone who
wants a convenient but fully-
controllable bank account in their
pocket. The user-friendly design
makes it simple to drag-and-drop
custom amounts of money within
one’s account to various “saving
pots” for different goals, for example
holidays, a new car etc.
They will continue to improve the
app with customer feedback via an
integrated chatbot.
Source: http://signme.sh/oGLzLShyS
FINANCETRENDS
15. two-way
banking
Today’s consumers are becoming used to
brands treating them as partners and less
like customers. Financial institutions
should make a move towards openness
and put the control into the hands of the
user.
FINANCETRENDS
16. They expect their
bank to understand
their personal goals
& preferences, and
proactively deliver
them the right
offers and services.
But - an average of
only 24% believe
their bank
understands their
current goals.
24%
FINANCETRENDS
Source: CGI Digital Banking Report
17. Some financial service businesses are
demonstrating they understand what’s
important to their Millennial customers by:
1. educating rather than informing
2. using informal, layman speech rather than
jargon
3. supporting and enabling healthy habits
rather than empty suggestions
INTRODUCTIONFINANCETRENDS
18. Santander’s
Curated Content
Hub For
Millennials
The aim of their “Prosper and Thrive
Content Hub” is to give users access to
practical advice for financial well-
being and digestible descriptions of
financial jargon without it sounding
like it’s coming from a traditional bank.
They partnered with several content
businesses including SapientRazorfish,
Contently and Newscred. The hub
itself is divided into three sections,
each of which is it’s own - very
achievable - goal, they are: Save Up,
Master Debt and Live Life.
Source: http://signme.sh/UbohpTe-J
FINANCETRENDS
19. N26’s Bold
Millennial
Campaign
N26, the Berlin-based mobile
banking startup has a new hashtag
“#nobullshit,” taking aim at
traditional banks.
The hashtag on bold posters can be
seen in subway stations in Berlin, and
will now appear in Munich and other
cities as the OOH campaigns
broadens its’ rollout.
Source: http://signme.sh/-WHCAGMpw
FINANCETRENDS
20. Revolut Savings
Tool
The new feature is called Vaults and
enables users of the app to save spare
change that they have left over from
daily purchases. This option is
available in all 25 supported currencies
of Revolut. Users can also schedule
regular saving payments into their
Vaults.
The bank developed the new feature
after customers continuously were
asking for a tool that lets them save
their change.
Source: http://signme.sh/RPvTsDyw8
FINANCETRENDS
21. limitless
banking
Today’s consumers don’t want to be
restricted on when and where they can
access their money, whether this is by
borders, by devices or simply by “the way
things have always been done.”
FINANCETRENDS
22. Millennials don’t want to be burdened
with financial products that tie them down
and restrict them doing what they want to
do. They prefer access to products &
services, which brought about the sharing
economy and flexible fintechs.
INTRODUCTION
Source: New York Times
FINANCETRENDS
23. The Multi-Bank
App
The Citibank app serves all clients
across the US, whether they’re a
Citibank account holder or not.
They’re able to view and manage all of
their financial accounts within the app
- even bills such as mortgage
payments and student loans - no
matter the number of different banks
they are customers of.
A dashboard displays an overview of
their finances in a quick snapshot from
multiple banks. They can track and get
insights into their spending habits and
set savings goals, all from one place.
Source: http://signme.sh/1ZDNXjMVn
FINANCETRENDS
24. Feeless Travel
With Mobile
Banking Service
Lunar Way
Denmark-based Lunar Way launched
it’s newest feature, a travel card that
doesn’t charge exchange fees.
User will be able to change the
currency of their prepaid multi-
currency Mastercard from within the
Lunar Way app. This way the users
don’t have to pay exchange fees.
Source: http://signme.sh/Tz-rqwhaZ
FINANCETRENDS
25. banking for
social good
Millennials, and especially Generation Z
are increasingly conscious about social
issues and the power of big brands to
make real change. Financial institutions
need to begin showing corporate social
responsibility - and involve customers.
FINANCETRENDS
26. 86% of Millennials
said they are
interested in
socially responsible
investing.
This cohort
demand that banks
have social
responsibility,
maximum
transparency and
values.
86%
Source: Morgan Stanley
FINANCETRENDS
27. “[Millennials] are not willing to work at just anything,
they believe companies should generate values, and
that’s why they demand that banks should have social
responsibility, maximum transparency and values.
…We shouldn’t forget that this is the generation that is
loyal to experiences rather than brands”
INTRODUCTION
Source: BBVA: The Millennial Disruption Index
FINANCETRENDS
Prof. Rodrigo García de la Cruz, Instituto de
Estudios Bursátiles.
28. Bank For Good
The Ant Forest App by Chinese
mobile payments leader Alipay turns
mundane finance activities - such as
paying bills - a greener act. It also
rewards users who opt for more eco-
friendly activities such as taking
public transport and walking to
work.
Alipay want to be open about this
social-impact way of banking, and
have even installed a live camera
feed in their newly planted forests.
They wanted to create a solution
that not only uses gamification to
increase numbers, but to really add
value for their users.
Source: http://signme.sh/KSUu5e4Vu
FINANCETRENDS
29. A Mobile Bank
With A Purpose
Dubbed “the sustainable bank
account for your smartphone”,
Tomorrow is a 100% mobile bank
which helps customers make an
impact. The bank itself finances
renewable energy, organic
agriculture and microcredit projects,
and sponsors reforestation projects
with every payment users make.
The bank offers a tailored investment
strategy for each individual to make
a positive impact with their money.
Source: http://signme.sh/CBa6FpWE4
FINANCETRENDS
31. IMPLICATIONS
smarter with data
Banks have the advantage of having a
mass of customer data at their
fingertips. By harnessing this data
(openly with customers) they can
begin tailoring the customer
experience to fit the individual goals
and preferences of each customer.
This is how finance organizations can
really differentiate from competitors
in the future.
implications
conversational business
Moving away from the traditional role of a
bank, financial institutions need to begin
thinking of their customers as partners and
people who can help them as much as they
can help the customer. By connecting with
customers on their level, brands can
discover more about what they actually
want and need, creating more loyalty by
delivering the best and most fitting value.
redefine values for today
A brand rooted in solid values which drive
their decision-making in every aspect of
their business makes for a trusted
company by today’s consumers. More than
an internal code, a brand’s values are
something consumers like to feel they
share, in turn making them feel more
connected to the brand and more likely to
engage and do business with them.
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