Webinar Service2Media: new era of financial engagement apps 15.03.12

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This document discusses how mobile apps can help financial institutions regain customer trust and engagement. It defines "apps of engagement" as focused mobile app experiences that empower customers. The document outlines how the app lifecycle platform can help financial institutions deliver app portfolios across operating systems and form factors. It also discusses how the platform supports best practices across six pillars to evolve apps throughout their lifecycle.

Economy & Finance Business

SERVICE2MEDIA
NEW ERA
FINANCE APPS OF ENGAGEMENT

Nathan Kotek,
VP Market & Analyst Relations
Peter Broekroelofs,
CTO and Co-Founder Advanced app solutions | 1

AGENDA:

•  THE
FINANCE
INDUSTRY

•  APPS
OF
ENGAGEMENT
DEFINED

•  DELIVERING
FINANCE
APP
PORTFOLIOS

•  THE
APP
LIFECYCLE
PLATFORM™

•  Q&A

Advanced app solutions | 2

TRUST THE # 1 CHALLENGE
FINANCE INDUSTRY

Advanced app solutions | 3

HOW MUCH DO CONSUMERS TRUST THESE
INDUSTRIES - FINANCE AT BOTTOM

Edelman
TrustBarometer 2011

Advanced app solutions | 4

URGENT NEED FOR HIGH QUALITY AND
TRANSPARENT PRODUCTS & SERVICES

Edelman
TrustBarometer 2011

Advanced app solutions | 5

REPETITION BUILTS
TRUST & BELIEVABILITY

Edelman
TrustBarometer 2011

Advanced app solutions | 6

WHAT’S NEEDED

IN THE NEW ERA OF ENGAGEMENT?

Advanced app solutions | 7

The Human Behavior The App Behavior
The App Effect The App Economy

Advanced App Solutions | 8

MOBILE FIRST FRAMEWORK
APPS THE CORNERSTONE OF ENGAGEMENT

DISCOVERY
INITIATION
ENGAGEMENT
EVALUATION

ENGAGEMENT

CYCLE

APPS
THE

APP

APP
STORE

CONNECTIVE

PORTFOLIOS

TISSUE

TRADITIONAL

CHANNELS

FACE2FACE
CALL

WEB
BRANCH
ATM/
KIOSK
WEB

ADVISORY
CENTER

Advanced app solutions | 9

THE APP AWAKENING
“Let’
s add
iPho
ne A an
a nice a new pp as
“An app is “Apps are the digit
dget” chan al
to have ga cornerstone of nel”
the engagement
strategy”

Advanced app solutions | 10

ORGANIZING FOR
THE APP ECONOMY
FROM
SINGLE
TO

MULTIPLE

OPERATING
SYSTEMS

&
FORM-‐FACTORS

FROM
TECH
DEBATES

FROM
STAND
ALONE
TO
INFORMED

APPS
TO
APP
COORDINATED

PORTFOLIOS
NATIVE,
HYBRID
AND

HTML5
CHOICES

SCATTERED

CORPORATE

MOBILE

INITIATIVES

Advanced app solutions | 11

FINANCE APPS
OF ENGAGEMENT
“THE
FOCUSED
AND
INTUITIVE
MOBILE
APP

USER
EXPERIENCE
THAT
EMPOWERS
YOUR

CUSTOMERS,
EMPLOYEES
AND
PARTNERS
IN

THEIR
MOMENT
OF
DECISION"

"PROVIDING
THE
THE
CORNERSTONE
OF

YOUR
ENGAGEMENT
STRATEGY
BRIDGING

ONLINE
AND
OFFLINE
EXPERIENCES"

“DIFFERENT
FUNCTIONAL
END-‐USER
NEEDS

REQUIRE
DISTINCTIVE
FOCUSED
APP

EXPERIENCES
FORMING
YOUR
COMPANY’S

COMPLEMENTARY
APP
PORTFOLIO”

Advanced app solutions | 12

FORRESTER - ENGAGEMENT GOALS ARE
SUPPORTED BY MOBILE APPS

Advanced app solutions | 13

APP ENGAGEMENT STRATEGY REQUIRES…
Sample: App Roadmap

App Core Personalization Push Sensoring
Interaction Transaction
Functionality Location Video Augmentation

… A PROVEN PLATFORM FOR
GROWTH & INNOVATION
Sample: Device Roadmap

App Life Platform | 14

THE LIFECYCLE
PLATFORM™
HELPS YOUR FINANCE
APPS ENGAGEMENT
STRATEGY

Advanced app solutions | 15

FINANCE APPS OF ENGAGEMENT
THE BIG OPPORTUNITY

MOBILE
APPS
CLAIM

RETAIL
BANKING

• B2C
APPS

PROCESSING

INSURANCE
APPS

PAYMENT
APPS

• B2E

• B2B
INVESTMENT

ADVISORY
APPS

MANAGEMENT

DASHBOARD

APPS

APPS

Advanced app solutions | 16

DIFFERENT
MOBILE OS SILOS
Different SDK’s

Different languages

Different API’s

Different Build environments

Different in-app payments

Different push methods

Advanced app solutions | 17

OUR APP LIFECYCLE PLATFORM

• Design Apps Once

• Deploy Apps on Multiple Devices

• Evolve Apps Throughout their Lives

Advanced app solutions | 18

SERVICE2MEDIA , CLIENT AND PARTNER
APP CENTERS
• Technology Platform
• Highly Trained People
• Best-practice Process

Advanced app solutions | 19

BEST PRACTICES WITH
THE APP LIFECYCLE PLATFORM™

SIX PILLARS:
1. DEVELOPMENT 3. USER EXPERIENCE 5. INTEGRATION
2. MANAGEABILITY 4. SECURITY 6. GLOBAL
Advanced app solutions | 20

THE APP LIFECYCLE
PLATFORM™

KEY FOR REGAINING
TRUST AND
ENGAGEMENT

Advanced app solutions | 21

Q&A
NEXT FINANCE
WEBINAR:
DATE : 3RD OF MAY
TIME : 3 PM CET

Advanced app solutions | 22

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This webinar discusses how the SAP Mobile Platform and Service2Media's App Lifecycle Platform (M2Active) can be used together. The webinar agenda includes an introduction by Daan van der Lugt, an overview of the SAP Mobile Platform by John Wargo, a presentation on M2Active by Peter Broekroelofs, and joint customer references. The webinar also includes a Q&A session. M2Active aims to address challenges in mobile application development like OS fragmentation, developer shortages, and manageability through a platform that supports multi-OS development, backend integration, security, and lifecycle management. Examples of customers using M2Active include Achmea for insurance apps

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Service2Media

This webinar discusses how the SAP Mobile Platform and Service2Media's App Lifecycle Platform (M2Active) can be used together. The webinar agenda includes an introduction by Daan van der Lugt, an overview of the SAP Mobile Platform by John Wargo, a presentation on M2Active by Peter Broekroelofs, and joint customer references. The webinar also includes a Q&A session. Examples of customers using the combined platforms are Achmea for developing and managing a portfolio of B2C and B2E apps, and OTTO for developing enterprise workforce apps that integrate with SAP backends.

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Mobile push notifications allow app providers to grab users' attention and promote engagement. However, users must feel in control to have a positive experience. The document discusses how M2Active Cloud Push allows users to control what notifications they receive from apps and ensures only relevant messages are delivered. It also explains how the service provides a single access point for push across multiple platforms, removing complexity for app providers.

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The document summarizes the key challenges around mobile app security from a webinar on creating secure apps. It highlights issues like insecure operating systems, networks that can't be trusted, malware, and how developers are responsible for protecting users' data despite these challenges. The presenter asks how developers can create "apps of steel" that are securely designed without massive effort. The response covers mitigation strategies like secure development processes, multi-factor authentication, threat modeling, and key management.

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In this webinar the CTO and Product Management Director of Service2Media explain about the Service2Media App Lifecycle Platform - M2Active. M2Active is the technique behind the platform: Architecture and Runtimes. This webinar is rather technical and especially interesting for CIO's or app development and IT staff that are interested to use The App Lifecycle Platform to develop portfolio's of core and critical App's.

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Service2Media provides app development services for insurance companies to help them inform, educate, enable, reduce risk exposure, and assist customers. Their app lifecycle platform allows clients to design apps once and deploy them across multiple devices, and evolve apps throughout their lifecycles. This helps insurance companies take advantage of new opportunities, improve customer relationships, and lower costs.

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Service2Media

The document summarizes the benefits of joining the Service2Media Global Alliance Network partner program. It enables partners to bring greater benefits to their customers by using Service2Media's app development platform. The platform provides ease of adoption, full lifecycle support, and the ability to develop apps that run on multiple platforms from a single design. Partners can drive revenues, gain a competitive advantage, and manage large app portfolios for millions of users through the scalable platform.

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Service2Media provides app solutions for banks to improve customer relationships and take advantage of new opportunities. They help design, deliver, maintain, and evolve innovative banking apps across devices. Their app platform allows banks to provide consistent experiences, connect apps to back-end systems, easily support new devices, and evolve apps over their lifecycle. This enables banks to inform, control, educate, direct, manage and assist customers through rich mobile apps.

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Service2Media is a leading provider of app solutions that allows customers to design apps once and deploy them across multiple devices. Their app lifecycle platform supports the full development process from design to deployment to ongoing evolution. This platform provides future-proof apps that can be maintained throughout their lifetime. Service2Media aims to be a one-stop shop for their clients' app needs through their platform and full suite of services.

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一比一原版美国新罕布什尔大学(unh)毕业证学历认证真实可查

taqyea

永久可查学历认证【微信：A575476】【美国新罕布什尔大学(unh)毕业证成绩单Offer】【微信：A575476】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。【业务选择办理准则】一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：A575476】文凭即可二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：A575476】即可三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。留信网认证的作用: 1:该专业认证可证明留学生真实身份 2:同时对留学生所学专业登记给予评定 3:国家专业人才认证中心颁发入库证书 4:这个认证书并且可以归档倒地方 5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息 6:个人职称评审加20分 7:个人信誉贷款加10分 8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才 → 【关于价格问题（保证一手价格）我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子我给客户的都是第一手的代理价格，因为我想坦诚对待大家不想跟大家在价格方面浪费时间对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！

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“Amidst Tempered Optimism” Main economic trends in May 2024 based on the results of the New Monthly Enterprises Survey, #NRES On 12 June 2024 the Institute for Economic Research and Policy Consulting (IER) held an online event “Economic Trends from a Business Perspective (May 2024)”. During the event, the results of the 25-th monthly survey of business executives “Ukrainian Business during the war”, which was conducted in May 2024, were presented. The field stage of the 25-th wave lasted from May 20 to May 31, 2024. In May, 532 companies were surveyed. The enterprise managers compared the work results in May 2024 with April, assessed the indicators at the time of the survey (May 2024), and gave forecasts for the next two, three, or six months, depending on the question. In certain issues (where indicated), the work results were compared with the pre-war period (before February 24, 2022). ✅ More survey results in the presentation. ✅ Video presentation: https://youtu.be/4ZvsSKd1MzE

一比一原版(cwu毕业证书)美国中央华盛顿大学毕业证如何办理

asukqco

原版一模一样【微信：741003700 】【(cwu毕业证书)美国中央华盛顿大学毕业证成绩单】【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。本公司拥有海外各大学样板无数，能完美还原。 1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700 【主营项目】一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！二.真实使馆公证(即留学回国人员证明,不成功不收费) 三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度) 如果您处于以下几种情况： ◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】 ◇面对父母的压力，希望尽快拿到； ◇不清楚认证流程以及材料该如何准备； ◇回国时间很长，忘记办理； ◇回国马上就要找工作，办给用人单位看； ◇企事业单位必须要求办理的 ◇需要报考公务员、购买免税车、落转户口 ◇申请留学生创业基金留信网认证的作用: 1:该专业认证可证明留学生真实身份 2:同时对留学生所学专业登记给予评定 3:国家专业人才认证中心颁发入库证书 4:这个认证书并且可以归档倒地方 5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息 6:个人职称评审加20分 7:个人信誉贷款加10分 8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才办理(cwu毕业证书)美国中央华盛顿大学毕业证【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。办理(cwu毕业证书)美国中央华盛顿大学毕业证【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：校徽：象征着学校的荣誉和传承。校名:学校英文全称授予学位：本部分将注明获得的具体学位名称。毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。办理(cwu毕业证书)美国中央华盛顿大学毕业证【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。综上所述，办理(cwu毕业证书)美国中央华盛顿大学毕业证【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。

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Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams. Understanding Ponzi Schemes A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses. Historical Context: Charles Ponzi and His Legacy Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today). Notable American Ponzi Schemes 1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients. 2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012. 3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison. 4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l

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ResolutionFoundation

A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation. Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster. What should a new national economic strategy for Scotland include? What would the pursuit of stronger economic growth mean for local, national and UK-wide policy makers? How will economic change affect the jobs we do, the places we live and the businesses we work for? And what are the prospects for cities like Glasgow, and nations like Scotland, in rising to these challenges?

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Webinar Service2Media: new era of financial engagement apps 15.03.12

1. SERVICE2MEDIA NEW ERA FINANCE APPS OF ENGAGEMENT Nathan Kotek, VP Market & Analyst Relations Peter Broekroelofs, CTO and Co-Founder Advanced app solutions | 1

2. AGENDA: •  THE FINANCE INDUSTRY •  APPS OF ENGAGEMENT DEFINED •  DELIVERING FINANCE APP PORTFOLIOS •  THE APP LIFECYCLE PLATFORM™ •  Q&A Advanced app solutions | 2

3. TRUST THE # 1 CHALLENGE FINANCE INDUSTRY Advanced app solutions | 3

4. HOW MUCH DO CONSUMERS TRUST THESE INDUSTRIES - FINANCE AT BOTTOM Edelman TrustBarometer 2011 Advanced app solutions | 4

5. URGENT NEED FOR HIGH QUALITY AND TRANSPARENT PRODUCTS & SERVICES Edelman TrustBarometer 2011 Advanced app solutions | 5

6. REPETITION BUILTS TRUST & BELIEVABILITY Edelman TrustBarometer 2011 Advanced app solutions | 6

7. WHAT’S NEEDED IN THE NEW ERA OF ENGAGEMENT? Advanced app solutions | 7

8. The Human Behavior The App Behavior The App Effect The App Economy Advanced App Solutions | 8

9. MOBILE FIRST FRAMEWORK APPS THE CORNERSTONE OF ENGAGEMENT DISCOVERY INITIATION ENGAGEMENT EVALUATION ENGAGEMENT CYCLE APPS THE APP APP STORE CONNECTIVE PORTFOLIOS TISSUE TRADITIONAL CHANNELS FACE2FACE CALL WEB BRANCH ATM/ KIOSK WEB ADVISORY CENTER Advanced app solutions | 9

10. THE APP AWAKENING “Let’ s add iPho ne A an a nice a new pp as “An app is “Apps are the digit dget” chan al to have ga cornerstone of nel” the engagement strategy” Advanced app solutions | 10

11. ORGANIZING FOR THE APP ECONOMY FROM SINGLE TO MULTIPLE OPERATING SYSTEMS & FORM-‐FACTORS FROM TECH DEBATES FROM STAND ALONE TO INFORMED APPS TO APP COORDINATED PORTFOLIOS NATIVE, HYBRID AND HTML5 CHOICES SCATTERED CORPORATE MOBILE INITIATIVES Advanced app solutions | 11

12. FINANCE APPS OF ENGAGEMENT “THE FOCUSED AND INTUITIVE MOBILE APP USER EXPERIENCE THAT EMPOWERS YOUR CUSTOMERS, EMPLOYEES AND PARTNERS IN THEIR MOMENT OF DECISION" "PROVIDING THE THE CORNERSTONE OF YOUR ENGAGEMENT STRATEGY BRIDGING ONLINE AND OFFLINE EXPERIENCES" “DIFFERENT FUNCTIONAL END-‐USER NEEDS REQUIRE DISTINCTIVE FOCUSED APP EXPERIENCES FORMING YOUR COMPANY’S COMPLEMENTARY APP PORTFOLIO” Advanced app solutions | 12

13. FORRESTER - ENGAGEMENT GOALS ARE SUPPORTED BY MOBILE APPS Advanced app solutions | 13

14. APP ENGAGEMENT STRATEGY REQUIRES… Sample: App Roadmap App Core Personalization Push Sensoring Interaction Transaction Functionality Location Video Augmentation … A PROVEN PLATFORM FOR GROWTH & INNOVATION Sample: Device Roadmap App Life Platform | 14

15. THE LIFECYCLE PLATFORM™ HELPS YOUR FINANCE APPS ENGAGEMENT STRATEGY Advanced app solutions | 15

16. FINANCE APPS OF ENGAGEMENT THE BIG OPPORTUNITY MOBILE APPS CLAIM RETAIL BANKING • B2C APPS PROCESSING INSURANCE APPS PAYMENT APPS • B2E • B2B INVESTMENT ADVISORY APPS MANAGEMENT DASHBOARD APPS APPS Advanced app solutions | 16

17. DIFFERENT MOBILE OS SILOS Different SDK’s Different languages Different API’s Different Build environments Different in-app payments Different push methods Advanced app solutions | 17

18. OUR APP LIFECYCLE PLATFORM • Design Apps Once • Deploy Apps on Multiple Devices • Evolve Apps Throughout their Lives Advanced app solutions | 18

19. SERVICE2MEDIA , CLIENT AND PARTNER APP CENTERS • Technology Platform • Highly Trained People • Best-practice Process Advanced app solutions | 19

20. BEST PRACTICES WITH THE APP LIFECYCLE PLATFORM™ SIX PILLARS: 1. DEVELOPMENT 3. USER EXPERIENCE 5. INTEGRATION 2. MANAGEABILITY 4. SECURITY 6. GLOBAL Advanced app solutions | 20

21. THE APP LIFECYCLE PLATFORM™ KEY FOR REGAINING TRUST AND ENGAGEMENT Advanced app solutions | 21

22. Q&A NEXT FINANCE WEBINAR: DATE : 3RD OF MAY TIME : 3 PM CET Advanced app solutions | 22

23. Advanced app solutions | 23

Webinar Service2Media: new era of financial engagement apps 15.03.12

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