The document provides an overview and comparison of digital banking features for 13 major banks across different countries. It summarizes the key online banking registration requirements, activation times, available features, payment options, security measures, compatibility, and customer support for each bank. The banks covered are Barclays, Santander, HSBC, Lloyds, RBS, ANZ, Commonwealth Bank of Australia, Chase, Bank of America, ICICI Bank, Bank of China, Credit Suisse, and Deutsche Bank.
The Digital Banking Revolution webinar by Luigi WewegeLuigi Wewege
Over the past decade FinTech innovations have contributed to a completely new way in which customers can bank, threatening the status quo of traditional retail banks, and redefining a banking model which has been in place for generations. These new technological advancements have facilitated a rapid emergence of digital banking firms and forcing established banks to swiftly increase their pace of digital adoption to stay relevant and stop mass client attrition to agile financial startups. These threats come at a difficult time for banks - stagnant growth of already mature market, decreasing profit margins due to the competitive pricing of new entrants, and customer loyalty becoming increasingly more tenuous.
Silicon Valley Innovation Center
Professional Risk Managers' International Association
The Journey to Digital Transformation with Touch BankBackbase
The presentation of Andrei Kozliar, CEO of Touch Bank. In this webinar, Jouk Pleiter, CEO of Backbase, talks to two of the most innovative banks in Europe – Touch Bank and CheBanca!
Digital transformation is about fundamentally changing how banks attract, interact with and satisfy consumers, and it affects all levels of your organisation. Antonio and Andrei will share real-life examples of digital transformation in our new webinar, which will look at:
what was needed to start their digital transformation journeys
the key elements for success.
Antonio Fratta Pasini is Head of CRM and Omni-channel for CheBanca!, the retail bank of Mediobanca Group, the third largest financial services group in Italy. CheBanca! has always been at the forefront of innovation, from flagship futuristic branches to award-winning banking apps such as WOW!
Andrei Kozliar is CEO of Touch Bank, a neobank created by OTP Bank. Founded in 1949, OTP Bank is one of the largest independent financial service providers in Central and Eastern Europe, serving nine countries. Recognizing that today’s digital-savvy customers and emerging digital natives are going to be the fastest growing customer segment, OTP Bank decided to launch a new, digital- and mobile-only bank under the label Touch Bank.
The Digital Banking Revolution webinar by Luigi WewegeLuigi Wewege
Over the past decade FinTech innovations have contributed to a completely new way in which customers can bank, threatening the status quo of traditional retail banks, and redefining a banking model which has been in place for generations. These new technological advancements have facilitated a rapid emergence of digital banking firms and forcing established banks to swiftly increase their pace of digital adoption to stay relevant and stop mass client attrition to agile financial startups. These threats come at a difficult time for banks - stagnant growth of already mature market, decreasing profit margins due to the competitive pricing of new entrants, and customer loyalty becoming increasingly more tenuous.
Silicon Valley Innovation Center
Professional Risk Managers' International Association
The Journey to Digital Transformation with Touch BankBackbase
The presentation of Andrei Kozliar, CEO of Touch Bank. In this webinar, Jouk Pleiter, CEO of Backbase, talks to two of the most innovative banks in Europe – Touch Bank and CheBanca!
Digital transformation is about fundamentally changing how banks attract, interact with and satisfy consumers, and it affects all levels of your organisation. Antonio and Andrei will share real-life examples of digital transformation in our new webinar, which will look at:
what was needed to start their digital transformation journeys
the key elements for success.
Antonio Fratta Pasini is Head of CRM and Omni-channel for CheBanca!, the retail bank of Mediobanca Group, the third largest financial services group in Italy. CheBanca! has always been at the forefront of innovation, from flagship futuristic branches to award-winning banking apps such as WOW!
Andrei Kozliar is CEO of Touch Bank, a neobank created by OTP Bank. Founded in 1949, OTP Bank is one of the largest independent financial service providers in Central and Eastern Europe, serving nine countries. Recognizing that today’s digital-savvy customers and emerging digital natives are going to be the fastest growing customer segment, OTP Bank decided to launch a new, digital- and mobile-only bank under the label Touch Bank.
The future of banking - how the banking industry needs to adopt itself to digital advances and focus on improving the customer experience. Banks have to adopt a strategic mindset to sustain.
Digital Banking Strategy Roadmap - 3.24.15Calvin Turner
The Digital delivery of banking products and services is already a reality.
Like it or not, your customers will compare their digital banking experience to shopping on Amazon, iTunes, eBay, Southwest Air, etc., and to their digital experiences with large banks that already have robust digital banking offerings.
Traditional banks can’t just push out mobile apps and capabilities to customers and call it a digital banking strategy. Customers expect a seamless integration of the entire online banking experience from initiation to fulfillment. If they are forced to drop off somewhere along the digital experience to print documents, call a representative, and/or visit a branch, you have lost the customer.
Experience-Led Digital Banking: Getting Customers to Buy with Low Cost Digita...Capgemini
Experience-Led Digital Banking: Getting Customers to Buy with Low Cost Digital Channels was presented on 26 March 2015 at a webcast from Capgemini and American Banker. Topics include: Why customers are not using low cost digital channels to purchase banking products as much as banks would like; how some banks have succeeded in influencing customer preferences by adopting a more personal, human approach in their digital interactions; how banks can create opportunities to right-sell and cross-sell leveraging the latest innovations in customer engagement technology. Visit www.capgemini.com/odigoforbanks or www.capgemini.com/digitalbanking for more information.
Bank of the future - Scenarios for online banking for millennialsEnhancers
Bank of the future is the outcome of a research and a concept design project we made for an Italian bank. This work was completed on the October 2013. It showcases the context, the customer journey and 5 developed scenarios (with related UX concept illustrated) related to a branchless bank that focus on the youngest generation of clients. On request of our client we developed also a prototype of one the 5 concepts. Even if we showcase just 5 of them, as you can notice from the customer journey we have much more in our portfolio.
Digital Banking: Enhancing Customer Experience; Generating Long-Term LoyaltyCognizant
To stay profitable and grow in the new digital economy, banks need to adopt a customer-centric business model, diversify online delivery of products and services channels, and begin making meaning from valuable trails of digital information.
This presentation is about how can we go without cash.
No of digital banking products available in market and their uses.
Here i carried out all Digi products of Indian Bank as an example.
Thanks
We are following John and Jane through a typical day and explore their every day banking needs. The aim of this presentation is to showcase how modern day banking is transforming today and in the future.
Beyond Banking: New Business Models for the Digital EraJessica Wilkinson
The banking and financial services industry is undergoing a period of unprecedented disruption, which is re-shaping the competitive landscape.
Criterium Group believes we’re experiencing a fundamental change in how people manage, save and spend their money –which means banks and credit unions will need to re-imagine how they deliver value to customers and members.
We’re experiencing a disintegration of the financial industry. But disruption is exciting, not scary. As our relationship with money evolves, there are endless opportunities to delight customers and deliver value. However, competing in a digital age takes a completely different approach.
Criterium Group has considered the changing landscape from a competitive, financial, technological and operational perspective to re-design the traditional banking business model to win in a digital world.
mBank - the most design-driven digital bank in the world - NetFinance, Miami ...Nordea
Most recent update on mBank - the most design-driven digital bank in the world.
Deck presented at NetFinance in Miami in April 2014.
6 global innovation awards (Finovate, Efma, Bank Innovation 2014, Celent's Model Bank 2014). Coverage by Forrester Research, TechCrunch, Harvard Business Review, WSJ, American Banker and more...
A presentation on kick starting your Social Media for an individual. It covers certain key tips on how to increase your reach and focuses on Facebook, LinkedIn and Twitter as the three major platforms.
A presentation on how Page Managers and Group Admins could effectively use Social Media (Facebook, Twitter, LinkedIn) to increase their brand and reach. It addresses the topic in the perspective of IEEE members but majority of the points mentioned are common to all. The presentation was done for IEEE members at the IEEE Region 10 Congress 2015.
Content: The Fuel for Better Content MarketingRoger Bottum
If you're doing content marketing, you know how hard it is to manage content creation, reviews, approvals and distribution? Tracking it with spreadsheets and sending email attachments. Even file sharing sites like Dropbox can make things harder not easier.
This 30-minute live demo of SpringCM Content Cloud Services will show you a better way.
Organize all of your marketing assets in a single, secure, easily-accessible repository.
Collaborate more easily with subject matter experts and agencies.
Put targeted collateral at your sales team’s fingertips; in salesforce.com or other CRM, on their laptops, on their iPads.
The future of banking - how the banking industry needs to adopt itself to digital advances and focus on improving the customer experience. Banks have to adopt a strategic mindset to sustain.
Digital Banking Strategy Roadmap - 3.24.15Calvin Turner
The Digital delivery of banking products and services is already a reality.
Like it or not, your customers will compare their digital banking experience to shopping on Amazon, iTunes, eBay, Southwest Air, etc., and to their digital experiences with large banks that already have robust digital banking offerings.
Traditional banks can’t just push out mobile apps and capabilities to customers and call it a digital banking strategy. Customers expect a seamless integration of the entire online banking experience from initiation to fulfillment. If they are forced to drop off somewhere along the digital experience to print documents, call a representative, and/or visit a branch, you have lost the customer.
Experience-Led Digital Banking: Getting Customers to Buy with Low Cost Digita...Capgemini
Experience-Led Digital Banking: Getting Customers to Buy with Low Cost Digital Channels was presented on 26 March 2015 at a webcast from Capgemini and American Banker. Topics include: Why customers are not using low cost digital channels to purchase banking products as much as banks would like; how some banks have succeeded in influencing customer preferences by adopting a more personal, human approach in their digital interactions; how banks can create opportunities to right-sell and cross-sell leveraging the latest innovations in customer engagement technology. Visit www.capgemini.com/odigoforbanks or www.capgemini.com/digitalbanking for more information.
Bank of the future - Scenarios for online banking for millennialsEnhancers
Bank of the future is the outcome of a research and a concept design project we made for an Italian bank. This work was completed on the October 2013. It showcases the context, the customer journey and 5 developed scenarios (with related UX concept illustrated) related to a branchless bank that focus on the youngest generation of clients. On request of our client we developed also a prototype of one the 5 concepts. Even if we showcase just 5 of them, as you can notice from the customer journey we have much more in our portfolio.
Digital Banking: Enhancing Customer Experience; Generating Long-Term LoyaltyCognizant
To stay profitable and grow in the new digital economy, banks need to adopt a customer-centric business model, diversify online delivery of products and services channels, and begin making meaning from valuable trails of digital information.
This presentation is about how can we go without cash.
No of digital banking products available in market and their uses.
Here i carried out all Digi products of Indian Bank as an example.
Thanks
We are following John and Jane through a typical day and explore their every day banking needs. The aim of this presentation is to showcase how modern day banking is transforming today and in the future.
Beyond Banking: New Business Models for the Digital EraJessica Wilkinson
The banking and financial services industry is undergoing a period of unprecedented disruption, which is re-shaping the competitive landscape.
Criterium Group believes we’re experiencing a fundamental change in how people manage, save and spend their money –which means banks and credit unions will need to re-imagine how they deliver value to customers and members.
We’re experiencing a disintegration of the financial industry. But disruption is exciting, not scary. As our relationship with money evolves, there are endless opportunities to delight customers and deliver value. However, competing in a digital age takes a completely different approach.
Criterium Group has considered the changing landscape from a competitive, financial, technological and operational perspective to re-design the traditional banking business model to win in a digital world.
mBank - the most design-driven digital bank in the world - NetFinance, Miami ...Nordea
Most recent update on mBank - the most design-driven digital bank in the world.
Deck presented at NetFinance in Miami in April 2014.
6 global innovation awards (Finovate, Efma, Bank Innovation 2014, Celent's Model Bank 2014). Coverage by Forrester Research, TechCrunch, Harvard Business Review, WSJ, American Banker and more...
A presentation on kick starting your Social Media for an individual. It covers certain key tips on how to increase your reach and focuses on Facebook, LinkedIn and Twitter as the three major platforms.
A presentation on how Page Managers and Group Admins could effectively use Social Media (Facebook, Twitter, LinkedIn) to increase their brand and reach. It addresses the topic in the perspective of IEEE members but majority of the points mentioned are common to all. The presentation was done for IEEE members at the IEEE Region 10 Congress 2015.
Content: The Fuel for Better Content MarketingRoger Bottum
If you're doing content marketing, you know how hard it is to manage content creation, reviews, approvals and distribution? Tracking it with spreadsheets and sending email attachments. Even file sharing sites like Dropbox can make things harder not easier.
This 30-minute live demo of SpringCM Content Cloud Services will show you a better way.
Organize all of your marketing assets in a single, secure, easily-accessible repository.
Collaborate more easily with subject matter experts and agencies.
Put targeted collateral at your sales team’s fingertips; in salesforce.com or other CRM, on their laptops, on their iPads.
Hope is Not a Strategy - Cloud and MobileRoger Bottum
With nearly half of business users pulling content out of their Enterprise Content Management system, all but a tiny slice of business processes email or paper-based, and content that helps you drive revenue scattered all over the place; by any measure ECM is a failure.
The good news is that content matters more than ever, to help teams collaborate, streamline process, and power mobile computing.
Here are 6 things you can do to get started, safely, with mobile and cloud content.
The way we all work has changed dramatically. It's very likely that you:
• Work from many places
• Use 3+ devices for work
• Work with richer types of content
• Team with an ever-changing group outside your organization
These trends create a new set of requirements for technology to get work done securely.
Founder, Kathleen Craig, presented What's Next in Mobile Banking the Illinois Bankers Association Women in Banking conference. From what is coming in the future, to #FinTech disrupters to great first steps, it was a fun and informative session.
«Branch, Internet, Mobile, Digital» is a study that aims to synthesize and connect some of the most innovative actions that Banks, Fintechs and other actors are undertaking to develop a new model for the financial services.
Views expressed in this presentation are my own.
The presentation talks about the different community initiatives - meet ups, prototyping events, Co-Working spaces, Maker communities, Angel Groups and Events being hosted in Chennai to support the startup Ecosystem.
This presentation was presented at Barclays Centre in Chennai. Feel free to reach out to author for corrections, comments and feedback.
Few countries can boast having a third of its GDP stored as mobile money in the hands of a telecom group. There is no miracle in the rise of MPesa, but a deep understanding by Safaricom of the social fabric of East Africa’s tech and economic hub, as well as a lots of test and try. The lure of mobile money have lots of startups competing into this space, to connect remittances, shopping and payments to the MPesa infrastructure. Other than that, Kenya is also experiencing a double motion in its innovation ecosystem: if it’s definitely a community-driven startup hub, its government is also playing a key role through laws and pharaonic projects.
Southeast Asia's Top 75 FinTech Startups ReportTechsauce Media
FinTech sector has globally seen substantial growth over recent years. What's about the FinTechs in Southeast Asia? Who are they? and how are they doing?
Our research shows an engrossing extension of fintech startups which are a combination of technology and financial services resulting in the rise of a disruption taking place in the services industry.
The companies mentioned in the report are just one dimension of the changes in technology and financial services, where creativity is the key to build traction, to attract capital gain and to put consumer demands as the center of business.
The 75 Fintech Startups are entrepreneurial ventures which are typically newly emerged, fast-growing businesses, aiming to meet a marketplace need by developing or offering innovative products, processes or services. These companies are typically involved in the design and implementation of the innovative processes of development, validation and research for target markets.
Learn how banks can exploit five emerging technology trends for bigger, better business outcomes.
To learn more, visit https://www.accenture.com/bankingtechvision
With the proliferation of technology, banking customers are living in a connected world with their experience from other industries influencing their expectations from their financial services provider. This has led to an evolving customer-bank relationship necessitating banks to be more customer-centric by embedding themselves in customers’ lives to meet rising customer experience expectations. However, banks have been facing challenges in meeting customer expectations, as they are troubled with legacy challenges both in terms of technology and culture. This document aims to understand and analyze the trends in the banking industry that are expected to drive the dynamics of the banking ecosystem in the near future.
Growing momentum for Disruption in FinTech:
Looking back and looking forward.
Recording of the Backbase webinar of December 18th, 2014.
In our 2014 closing webinar we will look back at the disruptive highlights of this year and we start looking forward to 2015.
From BBVA acquiring Simple, to more and more neo-banks popping up, fintech startups going IPO and omni-channel moving from marketing buzz to the real thing. In this 60 minute webinar, Backbase's Jouk Pleiter and Jelmer de Jong discuss the main trends and best practices for banks and credit unions to keep on disrupting in the digital banking space.
In this special, exclusive webinar, Jouk Pleiter and Tim Rutten of Backbase will showcase the Finovate Europe’s Best of Show solution, The Everyday Bank - we will show how to create personalised customer journeys hyper targeted to users, resulting in increased customer acquisition and retention.
Instead of simply providing customers with traditional banking products such as account access and payment tools, the new solution will push the boundaries of personalisation to the next level by delivering tailor-made customer journeys based on real-time behavior, interests, location and preferences.
We will look at:
How can banks leverage on AI (artificial intelligence)? How can they harness its power to improve their customer experience?
The impact of the open fintech API ecosystem.
PSD2 - not just compliance but a new sales & origination opportunity
The main strategic directions banks should choose from
As Fintech companies have flooded the scene and disrupted the financial industry, traditional banks have had to innovate in order to stay ahead of the pack. We bring to you the latest terms and innovations of the Banking Sector, through this presentation. Hope you find it useful.
The “Banking Software” project is a model Internet Banking Site. This site enables the customers to perform the basic banking transactions by sitting at their office or at homes through PC or laptop. The system provides the access to the customer to create an account, deposit/withdraw the cash from his account, also to view reports of all accounts present. The customers can access the banks website for viewing their Account details and perform the transactions on account as per their requirements.
Software Delivery At the Speed of AI: Inflectra Invests In AI-Powered QualityInflectra
In this insightful webinar, Inflectra explores how artificial intelligence (AI) is transforming software development and testing. Discover how AI-powered tools are revolutionizing every stage of the software development lifecycle (SDLC), from design and prototyping to testing, deployment, and monitoring.
Learn about:
• The Future of Testing: How AI is shifting testing towards verification, analysis, and higher-level skills, while reducing repetitive tasks.
• Test Automation: How AI-powered test case generation, optimization, and self-healing tests are making testing more efficient and effective.
• Visual Testing: Explore the emerging capabilities of AI in visual testing and how it's set to revolutionize UI verification.
• Inflectra's AI Solutions: See demonstrations of Inflectra's cutting-edge AI tools like the ChatGPT plugin and Azure Open AI platform, designed to streamline your testing process.
Whether you're a developer, tester, or QA professional, this webinar will give you valuable insights into how AI is shaping the future of software delivery.
Accelerate your Kubernetes clusters with Varnish CachingThijs Feryn
A presentation about the usage and availability of Varnish on Kubernetes. This talk explores the capabilities of Varnish caching and shows how to use the Varnish Helm chart to deploy it to Kubernetes.
This presentation was delivered at K8SUG Singapore. See https://feryn.eu/presentations/accelerate-your-kubernetes-clusters-with-varnish-caching-k8sug-singapore-28-2024 for more details.
JMeter webinar - integration with InfluxDB and GrafanaRTTS
Watch this recorded webinar about real-time monitoring of application performance. See how to integrate Apache JMeter, the open-source leader in performance testing, with InfluxDB, the open-source time-series database, and Grafana, the open-source analytics and visualization application.
In this webinar, we will review the benefits of leveraging InfluxDB and Grafana when executing load tests and demonstrate how these tools are used to visualize performance metrics.
Length: 30 minutes
Session Overview
-------------------------------------------
During this webinar, we will cover the following topics while demonstrating the integrations of JMeter, InfluxDB and Grafana:
- What out-of-the-box solutions are available for real-time monitoring JMeter tests?
- What are the benefits of integrating InfluxDB and Grafana into the load testing stack?
- Which features are provided by Grafana?
- Demonstration of InfluxDB and Grafana using a practice web application
To view the webinar recording, go to:
https://www.rttsweb.com/jmeter-integration-webinar
Transcript: Selling digital books in 2024: Insights from industry leaders - T...BookNet Canada
The publishing industry has been selling digital audiobooks and ebooks for over a decade and has found its groove. What’s changed? What has stayed the same? Where do we go from here? Join a group of leading sales peers from across the industry for a conversation about the lessons learned since the popularization of digital books, best practices, digital book supply chain management, and more.
Link to video recording: https://bnctechforum.ca/sessions/selling-digital-books-in-2024-insights-from-industry-leaders/
Presented by BookNet Canada on May 28, 2024, with support from the Department of Canadian Heritage.
The Art of the Pitch: WordPress Relationships and SalesLaura Byrne
Clients don’t know what they don’t know. What web solutions are right for them? How does WordPress come into the picture? How do you make sure you understand scope and timeline? What do you do if sometime changes?
All these questions and more will be explored as we talk about matching clients’ needs with what your agency offers without pulling teeth or pulling your hair out. Practical tips, and strategies for successful relationship building that leads to closing the deal.
DevOps and Testing slides at DASA ConnectKari Kakkonen
My and Rik Marselis slides at 30.5.2024 DASA Connect conference. We discuss about what is testing, then what is agile testing and finally what is Testing in DevOps. Finally we had lovely workshop with the participants trying to find out different ways to think about quality and testing in different parts of the DevOps infinity loop.
UiPath Test Automation using UiPath Test Suite series, part 4DianaGray10
Welcome to UiPath Test Automation using UiPath Test Suite series part 4. In this session, we will cover Test Manager overview along with SAP heatmap.
The UiPath Test Manager overview with SAP heatmap webinar offers a concise yet comprehensive exploration of the role of a Test Manager within SAP environments, coupled with the utilization of heatmaps for effective testing strategies.
Participants will gain insights into the responsibilities, challenges, and best practices associated with test management in SAP projects. Additionally, the webinar delves into the significance of heatmaps as a visual aid for identifying testing priorities, areas of risk, and resource allocation within SAP landscapes. Through this session, attendees can expect to enhance their understanding of test management principles while learning practical approaches to optimize testing processes in SAP environments using heatmap visualization techniques
What will you get from this session?
1. Insights into SAP testing best practices
2. Heatmap utilization for testing
3. Optimization of testing processes
4. Demo
Topics covered:
Execution from the test manager
Orchestrator execution result
Defect reporting
SAP heatmap example with demo
Speaker:
Deepak Rai, Automation Practice Lead, Boundaryless Group and UiPath MVP
Search and Society: Reimagining Information Access for Radical FuturesBhaskar Mitra
The field of Information retrieval (IR) is currently undergoing a transformative shift, at least partly due to the emerging applications of generative AI to information access. In this talk, we will deliberate on the sociotechnical implications of generative AI for information access. We will argue that there is both a critical necessity and an exciting opportunity for the IR community to re-center our research agendas on societal needs while dismantling the artificial separation between the work on fairness, accountability, transparency, and ethics in IR and the rest of IR research. Instead of adopting a reactionary strategy of trying to mitigate potential social harms from emerging technologies, the community should aim to proactively set the research agenda for the kinds of systems we should build inspired by diverse explicitly stated sociotechnical imaginaries. The sociotechnical imaginaries that underpin the design and development of information access technologies needs to be explicitly articulated, and we need to develop theories of change in context of these diverse perspectives. Our guiding future imaginaries must be informed by other academic fields, such as democratic theory and critical theory, and should be co-developed with social science scholars, legal scholars, civil rights and social justice activists, and artists, among others.
Key Trends Shaping the Future of Infrastructure.pdfCheryl Hung
Keynote at DIGIT West Expo, Glasgow on 29 May 2024.
Cheryl Hung, ochery.com
Sr Director, Infrastructure Ecosystem, Arm.
The key trends across hardware, cloud and open-source; exploring how these areas are likely to mature and develop over the short and long-term, and then considering how organisations can position themselves to adapt and thrive.
Leading Change strategies and insights for effective change management pdf 1.pdf
World of digital banking v 2.0
1. World of Digital Banking – A
Strategic View
Author:
Muthu Siva
ME(Distinction), MBA(Australia)
FIC(UK), FCMI(UK), FBCS(UK)
Dated 21 April 2014
Version 2.0
21 April 2014
World of Digital Banking - Author: Muthu Siva
1
2. WORLD OF DIGITAL BANKING – A STRATEGIC VIEW
I am publishing this Version 2.0 paper on 'World of Digital Banking' a strategic view. This
channel is becoming a ‘enabler’ and cash cow for the banks. 13 banks across
UK/USA/Australia/Asia/Europe (Barclays, Santander, HSBC, Lloyds TSB, RBS, ANZ
(Australia), Commonwealth Bank of Australia, JP Morgan, Bank of America, ICICI Bank,
Bank of China, Credit Suisse and Deutsche Bank) are selected for this strategic
comparison.
The main areas of study are :
• Registration for Online Banking
•Customer On-boarding time
•Online banking channel features
•Types of payments that can be made through online
•Online banking security
•Online banking compatibility with browsers and operating systems
•Customer service timings
•User Experience
This is a high level strategic comparison from customer perspective based on
information available in their respective websites.
I have also given 'what is special' about each bank and also chances for
improvement to acquire more market share. This is only my personal view based on
customer/strategic perspective and digital banking experience.
NEXT: I am releasing next versions due to be released every three months.
21 April 2014
World of Digital Banking - Author: Muthu Siva
2
3. BARCLAYS
Link http://www.barclays.co.uk
Eligibility to Register Debit card and a valid UK postcode; activation code is
required if the account is opened at a branch
Time to activate the
service
Immediate
Channel Features Customizable home page.
Rename/Reorder accounts on the home page.
Short-cuts to day-to-day banking.
Transfer funds.
Track a payment.
Change personal information.
Export data into money management software.
Make daily international payments.
Securely upload and store documents on Barclays Cloud It New
Types of Payment Same day domestic payments (cut-off time 2:30pm) for a fee
of £25 (however if the payment is under £10,000, make a
payment under online banking feature can be used for no
additional cost.
Online Payment daily transaction limit:
Personal - £10,000; Premier - £100,000; Business - £100,000
4. BARCLAYS
Security Login online banking using PINsentry
Online Banking Guarantee
New payees setup for standing order requires PINSENTRY
Suggested to get Kaspersky Mobile Security Software
free of charge if you use Online Banking.
Online banking
compatibility
Recommended to use latest version of the browser.
Microsoft Internet Explorer version 7 or higher
Mozilla Firefox version 3 or greater
Safari version 4 or greater
Opera version 10 or greater
Google Chrome 3 or greater
iPhones running iOS4.3 or later, Android 2.3 and above or
BlackBerry OS 5.0 and above.
Customer Support Existing customers 24x7; Barclaycard Internet banking: 8am
to 10pm(Mon to Fri), Sat – 10am to 6pm, Sun 11am to 7pm
Question/comment can be tweeted at @barclaysonline
User Experience Lot of improvements in the home page of the online banking
which provides shortcuts to day-to-day banking and can
also be customized.
Special and Needs
Improvement
Needs Improvement - "Online banking unavailable" appears
often
5. SANTANDER
Link http://www.santander.co.uk
Eligibility to Register Debit or Credit Card
Time to activate the
service
5 to 7 working days
Channel Features Can view more than 4 years worth of transactions and
statements online.
Customers can customize the summary view, rename
accounts, change order of display, transfer or move money,
pay bills, organize standing orders and direct debits, pull
money from external accounts, download transactions to
spreadsheet or other softwares, Set up and manage Savings
Goals, Order duplicate statements and tax certificates,
Order replacement PINs, cards and chequebooks, View and
update personal details, Set up to receive FREE alerts by
email or SMS, Open a new accounts / rename and reorder
existing account, Set up an overdraft or request a new limit,
Check & repay Santander credit card balances
Santander Banking, Savings and Credit Card account
Types of Payment Santander Current or Savings accounts, arrive on the same
day; Santander Cards Ltd, arrive the same day but take a
working day to show on Santander credit card statement;
Non-Santander accounts in the UK will usually be available
the same day if it goes by 'Faster Payments‘
6. Types of Payment Transfer money up to and including £100,000 between
accounts using Faster Payments Scheme anytime (24x7) for
free. OTP Password to secure payment.
Security Online banking guarantee
Free Rapport security software
A unique image and phrase combination to secure login
Recommended not to use when using public wi-fi
Online banking
compatibility
Recommended to use latest version of the browser.Microsoft
Internet Explorer version 7 or higher Mozilla Firefox version 10
or greater
Customer Support Existing customers – 24x7; Online Banking support: 7am –
11pm (Mon – Sat), 8am – 10pm (Sun)
User Experience System has many useful functions but there has been wide
concerns regarding the inclusion of personal data in cookies.
There are technical issues regarding error pages, delay in
receiving passwords, frozen payments and accounts. These
delays, required visits to branches, repeated identification
verification process makes it difficult to be identified with the
customers.
Special and Needs
Improvement
Special - Faster Payments, OTP passcode, image and phrase
combination security
Needs Improvement – better user interface and
customizable home page like it’s competitors. Social media
support
SANTANDER
7. HSBC
Link https://www.hsbc.co.uk
Eligibility to Register Account number or Credit Card along with Telephone banking
security number
Time to activate the
service
Immediate
Channel Features Review the last 24 months of transactions for Personal Internet
Banking, View eligible checking and savings statements for the
last 12 months through eStatements
Pay bills, Online Check Images, Transfer funds, Bank to Bank
Transfers service, Initiate wire transfer requests, View information
about mortgage account, Obtain quotes for several insurance
products, View investment and brokerage balances, Request a
credit card line increase, Apply for HSBC select accounts and
services, Order new checks, Request copies of statements,
Request a Stop Payment for an HSBC check, Email Customer
Relationship Center, Online Password Reset
View balances and transactions on deposits, loans, credit card,
and mortgage accounts
Types of Payment Move up to $350,000 in or out of your HSBC account daily at one
time
Wire Transfer requests submitted before 3:00 PM Eastern Time on a
business day will be reviewed the same day
Bill Payments scheduled before 1:00 P.M. Eastern Time, Monday
through Friday (excluding federal holidays), will be processed on
that day.
Payments and other transfers secured through Online Guarantee
8. Security $0 Liability, Online Guarantee
Login Online Banking using Security key
$0 liability for unauthorized credit card charges, $0 liability for
unauthorized online bill payments or transactions on the
HBSC accounts
Online banking
compatibility
Microsoft Windows 7, Vista, XP, Apple OS 10.6.8
Internet Explorer Up to version 9.x, Firefox Up to version 11.x,
Safari Up to version 5.x, ChromeTM Version 18.x
Web-based mobile banking or Mobile App in Apple,
Android, Blackberry mobiles
Customer Support Lines are open 8am to 10pm every day except for Christmas
Day, Boxing Day and New Year's Day.
Online Messages
User Experience Easy to use, plenty of technical support online, appealing
visual design with everything clearly and logically laid-out.
Customizable making the customers identify with themselves.
Additional tools would give the users a wow experience.
Neverthless, it is valuable to customers with comparatively
additional features.
Special and Needs
Improvement
Special - facility to request the stopping of a cheque, have a
new PIN sent, secure key. Tweet @HSBC_UK_HELP
Needs Improvement - No good financial management tool,
no sorting options, no way to bundle money.
HSBC
9. LLOYDS BANK
Link http://www.lloydsbank.com/
Eligibility to Register Need to be over 16, have a current account, credit card or
savings account
Time to activate the
service
Immediate
Channel Features Quick transfer of funds between own accounts.
Simple user interface to access various functions like UK &
International payments, Direct debits & Standing orders,
Account benefits.
Add-on services like Money Manager to see your spends in
the past and help you plan for the future.
View/Download/Print and search any statement entries
back to 1st July 2002.
Apply for an overdraft, loan, credit card. Open a current
account. Order Travel Money
Types of Payment Payment limit of £25,000
Faster Payments, make same day payments
International Payments - Send up to £50,000 a day
(additional charges apply)
Secure Payments - Automated call to set up payee
10. Security Internet Banking guarantee
Fraud detection, Automatic logoff, Secure logon,
Deactivation, telephone masking
Online banking
compatibility
Windows 7 or higher
Windows 2000.
MAC OS X.
Microsoft Internet Explorer version 7 or 8.
Mozilla Firefox version 3 or newer.
iPhone iOS4.0 and above.
Android 2.2 and above.
Customer Support 7am - 10pm Mon to Fri and 8am - 6pm Sat-Sun
Online questions
User Experience Easy to use service, well documented, transaction side is
efficient and concise. The recent changes to make it
customizable has gained popularity. The simple nature of the
system has attracted customers and adds value.
Special and Needs
Improvement
Special - Money Manager
Needs improvement - Data management
LLOYDS BANK
11. ROYAL BANK OF SCOTLAND
Link http://www.rbs.co.uk
Eligibility to Register RBS account and RBS Credit Card
Time to activate the
service
Immediate access
Channel Features View and search transactions and statements going back up to
seven years
Transfer money, make payments, arrange standing orders,
Direct Debits, Order stationery and card readers, apply for other
products.
View four months of credit card statements
Types of Payment Faster Payments, CHAPS
Secure payments through card reader
Multi currency account for international payments - an income
of at least £75,000 per annum, or £25,000 to deposit
Security Online and Mobile Security promise
Free Rapport Security software
Card Reader
Alerts service
12. Online banking
compatibility
Iphone, Ipad, Android, Blackberry app
Windows XP or later – including Vista and Windows 7, MAC
OS X 10.4 or later,
Windows - (Microsoft Internet Explorer version 7 and above
Firefox 3.5 and above
Google Chrome 8 and above
Safari 4.x and above
Opera 10.0 and above
AOL 8.0 and above)
MAC - (Safari 3.2 and above
Firefox 3.5 and above
Google Chrome 8.0 and above
Opera 10.0 and above)
Customer Support Lines open 24 hours a day, 7 days a week
Online questions
User Experience Convenient and easy to use, simplified transaction search,
Customizable view makes digital banking favorable and
valuable.
Fast system and available mostly. Safe and Secure with track
records.
Special and Needs
Improvement
Special - Certificates of interest (makes tax filling easier),
Card Reader, International Payments
Needs Improvement - Financial management tools, bundling
options
ROYAL BANK OF SCOTLAND
13. ANZGOMONEY
Link http://www.anz.com/personal
Eligibility to Register Customer Registration Number and Telecode
Time to activate the
service
Immediate access
Channel Features View online statements up to 7 years.
120 days of transaction history.
Money Manager - categorization, budget goals, spending limits,
notifications, reporting
Check balances, change contact details, pay bills, transfer
money
International services - Transfer fund overseas
Cheque/savings account, Card accounts
Investment accounts
Loan accounts
Term deposits
Types of Payment A limit of $50,000 per transaction and $75,000 per day applies
BPAY for Bill Payments
The daily limits range from $1,000, $5000, $10,000
14. Security Online banking guarantee
Fraud detection systems
Encrypted data
Automatic time-outs
Online banking
compatibility
Windows 2000®
Mac OS X (10.6)
Windows 7®
Internet Explorer® 9.x (preferred)
Internet Explorer® 8.x
Firefox® 13.x
Google ChromeTM 20.x
SafariTM 5.x
Screen resolution of 1024x768 is optimal
Customer Support 24 hours/7 days
Live Chat
Online Questions
User Experience Easy, reliable to use system, well-rounded with necessary
special features, value for money, continual support, without
much waiting and unnecessary delays.
Special and Needs
Improvement
Special - International services, green receipts, secure
banking.
ANZGOMONEY
15. COMMONWEALTH BANK OF AUSTRALIA
Link http://www.commbank.com.au/
Eligibility to Register Debit card or Credit card, card pin and mobile phone
Time to activate the
service
Immediate access
Channel Features view up to seven years of statements
View last 2 years of stored transactions
NetBank payment limits:
$20k for Unlinked Accounts
$100k for BPAY
$5k for International Money Transfers
Check transactions, transfer money, BPAY, Manage accounts,
Customize
Statement accounts, Passbook accounts, Credit Card accounts,
Home Loans/Mortage Interest accounts, Personal loans, Term
deposits
Types of Payment Online payments secured using Netcode - OTP
Extra verification and investigation for transfers to unlinked
accounts or third party
International Money transfers - upto $22 per transfer
16. Security 6 months Internet McAfee security
100% Security guarantee
Automated timeouts
Netcode SMS
Online banking
compatibility
Windows 7
MAC OSX
Internet Explorer 8 and above
Google Chrome (v16-v18)
Mozilla Firefox (v8 - v12)
Safari (v4, v5 & v5.1)
Customer Support 24 hours a day, 7 days a week, Online Message and forms
User Experience Easy to use, highly accessible, powerful features making the
system valuable and identifiable with customers. A recent
scam of a fake website to obtain details of customers has
been rectified at last.
Special and Needs
Improvement
Special - Realtime banking; Social media support/comments
COMMONWEALTH BANK OF AUSTRALIA
17. CHASE (JP MORGAN)
Link https://www.chase.com
Eligibility to Register Social Security Number, Account number or Credit/Debit card,
Access to a phone or email address provided with the bank.
Time to activate the
service
Immediate access
Channel Features See and print 7 years of statements anytime.
View 24 months transaction history
Check balances, pay bills, transfer money, send overnight
checks, initiate wire transfers, view documents like Check
images, receipts, summaries
Checking/Savings account, Credit Card, Mortgages & Home
Equity, Auto Finance.
Types of Payment Online Bill Pay guarantee
Onetime or repeated payments
Security Online and Mobile banking guarantee
Fraud monitoring tools
Security Alerts
Zero liability
18. Online banking
compatibility
Windows 7
Internet Explorer 8 and higher
Firefox 14 and higher
Chrome 26 and higher
Safari 5.0 and higher
Customer Support 24 hours/ 7 days
Online Message
Fraud report
Twitter @ChaseSupport (M-F 7am-9pm ET, Sat 8am – 5pm)
User Experience Clean layout. Text based navigation makes process quick.
Provides overwhelming information. User friendly systems
makes the customer identify with themselves. Overall, the
online banking system is appealing and valuable.
Special and Needs
Improvement
Special - Online resources, Online Bill Pay.
Needs improvement - overwhelming information combined
with graphics and marketing blurbs gives a little disoriented
experience
CHASE (JP MORGAN)
19. BANK OF AMERICA
Link https://www.bankofamerica.com/
Eligibility to Register Social Security Number (SSN) or Tax Identification Number (TIN),
Account number, associated pin, email address
Time to activate the
service
Immediate Access
Channel Features View 12 months of transactions
View 18 months of statements
View 24 months of payment history
Check balances, receive alerts, transfer funds, bill pay, e-bills,
portfolio management, self service, download information
International and domestic wire transfers
Deposit accounts, credit card, mortgage, loan or line of credit.
Types of Payment Payments using safepass - one time 6 digit passcodes combined
with sitekey
Bill payments can be for any amount between $1.00 and
$99,999.99
Transfers submitted to the accounts of other Bank of America
customers may not total more than $1,000 during any 24-hour
period or $2,500 during any 7-day period.
20. Security Online banking security guarantee
Free year of McAfee Internet Security
Rapport online fraud protection
Secure Sitekey
Online banking
compatibility
Microsoft Internet Explorer 8.0 and higher
Firefox 14 and higher
Chrome 26 and higher
Safari 5.0 and higher
Customer Support Monday–Friday 7 a.m.–10 p.m
Saturday–Sunday 8 a.m.–5 p.m
Online message
Live Chat
User Experience Easy and convenient website,
attractive to customers, one-stop shop for most requirements,
provides value to customers, effective online bill payments
and ebills. Overall, provides an incredible environment for
customers
Special and Needs
Improvement
Special - Safepass and Sitekey fraud protection, ebills,
International transfers, Safe shop
Needs Improvement – Needs enhanced user friendly
website, No Social media support
BANK OF AMERICA
21. ICICI
Link http://www.icicibank.com
Eligibility to Register User id and password given at the time of account opening -
Savings Account holders
Credit Card holders
Demat Account holders
Loan Account holders
Time to activate the
service
Immediate access
Channel Features Check out past transactions and statements from the date of
account opening.
Manage accounts, transfer funds, pay bills, shop, recharge
mobile, Money manager, international fund transfer, online tax
payment, Gold investment, forex, money order, trade shares,
pension calculator
Types of Payment International fund transfer - Remit up to USD 25,000
Bank, Credit card, demat and Loan accounts are linked.
Bill pay - one time registration for each biller
Payment secured through OTP
Quick pay
22. Security i-safe OTP
Secure login, cap on login attempts, timed logout, userid
expiry, firewall, 2048 bit secure socket layer, entrust digital
certificate
Online banking
compatibility
Microsoft® Internet Explorer 8 and above
Windows XP and above
Chrome 22 and above
Firefox 10 and above
Customer Support 24 hours, 7 days
Online message
User Experience Superior user interface, Personalized and Customized view,
Personal Financial Tools, Enhanced security
Special and Needs
Improvement
Special - Online features and security
Needs Improvement – Frequent downtime for maintenance.
ICICI
23. BANK OF CHINA
Link http://www.boc.cn/en/
Eligibility to Register BOC Great Wall electronic debit card, BOC credit card or Great
Wall credit card, telephone banking service for the same card
are required for online registration.
Time to activate the
service
Immediate access
Channel Features Record of online payment within the last one year
Enquiry of foreign exchange trading transaction status within 12
months
Account inquiry, fund transfer, bill payment, credit card inquiry,
investments such as forex, gold, fund, securities, treasury bond,
free SMS notification, service setting
Great Wall electronic debit cards, Great Wall RMB credit cards,
BOC series credit cards, passbook of current deposits, ordinary
current deposits, passbook of time deposits, installment savings,
interest withdrawal on principal deposited, and education
savings opened with BOC
Types of Payment Payment limit is freely set based on personal needs
Secure through E-Token
Automatic opening and flexible setting of payment cards
24. Security Do not access online banking in public places
Security Applet free download - Security control
Online banking
compatibility
Windows 2000 or Windows XP(32-bit) or Windows Vista(32-bit)
Internet Explorer version 7 or above
mobile banking through the original WAP browser
Customer Support Emergency hotline
Online Forms
User Experience Simple instructions, easy to use system with bilingual - Chinese
and English versions. Clean layout and efficient navigation
system makes the system appealing and valuable to
customers.
Special and Needs
Improvement
Special -Secure transactions, easier wealth management
Needs improvement - English information
BANK OF CHINA
25. CREDIT SUISSE
Link http://www.directnet.com/en/
Eligibility to Register An account with Credit Suisse AG, aged above 14. A direct net
contract application has to be completed and submitted for
online access.
Time to activate the
service
Channel Features View payments from last 45 days
View transactions and statements for the last 2 years
Manage assets, national and international payments, standing
orders, pay bills and ebills, real time portfolio holdings, financial
products over 60 stock exchanges, market data and research
reports, e-documents
Types of Payment Payments are secured through SMS secure code
Domestic payment, account transfer, international payment,
cash payment
Register with SIX Paynet AG for bill pay
26. Security Secure SMS code
SecureMail
Payments through secure environment
Online banking
compatibility
Windows 7, Vista, XP, MAC OS X >= 10.4
128 bit encryption
IE 7.x, 8.x, 9.x
FF 3.x, 4.x
Safari 4.x, 5.x
Iphone Mobile app
Customer Support Mondays to Fridays
07:30 - 22:00
Saturdays and Sundays
09:00 - 16:00
Online Form
User Experience Clean system and easy to navigate, clear instructions and
documentation, enhanced features including investment
products. Bilingual. User friendly and easily identifies with
customers, proving valuable to users.
Special and Needs
Improvement
Special - Investment products and real time investment
Needs improvement - Mobile apps for other smartphones,
Online Guarantee and security
CREDIT SUISSE
27. DEUTSCHE BANK
Link https://www.db.com/index_e.htm
Eligibility to Register Customer ID and IPIN provided with welcome kit while opening
an account
Time to activate the
service
Immediate Access
Channel Features View transactions and statements from the first day
Account balances, statements, mutual funds transfer, buy
stocks, transfer to non-Deustche banks, Online shopping,
transaction alerts
Fixed deposits, bank accounts, loans, investments and demat
holding accounts
Manage cheques, Order Demand Drafts, physical copy of
statements, update personal details.
Types of Payment Bill payment, DirectDebit, Tax payment, Quick pay, other bank
credit card bill
Payments secure through separate transaction password
28. Security 128 bit encryption
Two passwords to provide enhanced security
Monitors Trojan program
Email and SMS alerts
Virtual keypad
Online banking
compatibility
Internet Explorer 6 or above
Windows 7, Vista, XP
Android, Iphone, Ipad Apps
Mobile Websites
Customer Support 24 hours a day, 7 days a week
Online Forms
User Experience Clear instructions with easy to navigate system. But it does
not load with FF or Safari enhancing the problems of
customers. The system is valuable based on the products and
features offered but it is difficult to identify with customers.
Special and Needs
Improvement
Special - Investment features
Needs improvement - Technical issues and compatibility with
browsers
DEUTSCHE BANK