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Christophe Langlois, Visible-Banking.com Athenes, Novembre 2008 Internet & Mobile Novembre 2008
Online Financial Services ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Listen, Watch Trends, and Measure www.Visible-Banking.com
Wells Fargo 2.0: Create Emotions www.Visible-Banking.com
SNS Reaal 2.0: Customize & Reach www.Visible-Banking.com
Useful Services, the Best Retention Tools www.Visible-Banking.com
NyKredit: Winner, Online Award 2008 1 st   www.Visible-Banking.com
NyKredit’s WebDesk 2.0 •  Dramatic increase of the conversion rate •  Leads up to 500% •  Sales up to 400% Success Measures •  WebDesk Phase 1 -> Q1 2007 •  WebDesk Phase 2 -> Q2 2008 WebDesk 2.0 www.Visible-Banking.com
Swedbank’s 4 th  Gen. Internet Bank •  98% of clients migrated voluntarily in only 2 months •  Growth speed of online sales •  Positive feedback from clients and employees Success Measures ,[object Object],[object Object],[object Object],[object Object],4 Key Areas www.Visible-Banking.com
Bank Hapoalim’s PFM Budget Tool ,[object Object],[object Object],2 Key Benefits “ Why not make customers pay for Online Banking?” www.Visible-Banking.com
Can You Spot the Difference? Educate your customers: they need to act responsibly! www.Visible-Banking.com
IB Security Framework: a Layered Approach www.Visible-Banking.com
7 Killer Apps for Web 2.0 “BTF” ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],www.Visible-Banking.com
Mobile Financial Services ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Leveraging the mobile penetration rate ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],www.Visible-Banking.com
Mobile Financial Services mBanking  - Ideal for balance enquiries, funds transfers, expense management, bill and credit card payments, stopping payments, mobile statements and loans. Mobile Payments  - Key challenges: Money laundering issues (especially cross-border) and the complex value chain (the total revenue stream is getting smaller, as charges reduce.  Currently the banks’ margin is 0.3%) www.Visible-Banking.com
Mobey Forum ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],www.Visible-Banking.com
Mobile Banking Worldwide Expansion www.Visible-Banking.com
Three Main Mobile Banking Technologies www.Visible-Banking.com
mBanking: Opportunities & Challenges ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],www.Visible-Banking.com
Lloyds TSB’s SMS Text Alert Service •  Greater control •  Ease-of-use •  Increased awareness •  More confident Key Benefits ,[object Object],[object Object],[object Object],[object Object],4 Key Features www.Visible-Banking.com
Universal Service with Rendering Engine www.Visible-Banking.com
Education to Drive Adoption The benefits of Mobile Banking are not as obvious to your customers as you think www.Visible-Banking.com
The Frontier is blurred btw Telcos&Banks Banks / MVNOs Telcos / Banking License Joint-Ventures www.Visible-Banking.com
Solutions for Retail & Business Customers www.Visible-Banking.com
Near-Field Communications (NFC) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],www.Visible-Banking.com
Successful Apps for NFC www.Visible-Banking.com
NFC - Transit Hong Kong Transit’s Octopus card uses NFC technology and was deployed very quickly.  In Japan, there are 74million NFC chips in mobile phone.  www.Visible-Banking.com
Mobile contactless payments ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],www.Visible-Banking.com
MicroFinance: Mob. Banking for the Unbanked ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],www.Visible-Banking.com
MicroFinance: Examples in BRIC & Africa ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],www.Visible-Banking.com
Google’s Open Handset Alliance ,[object Object],Source:  http://code.google.com/android/index.html  (Nov 2008) www.Visible-Banking.com
MasterCard’s Unique Stadium Offering www.Visible-Banking.com
Christophe Langlois, Visible-Banking.com Athenes, Novembre 2008 Internet & Mobile Novembre 2008

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Visible Banking - Key trends in Online & Mobile Banking