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Number26: Business Model Innovation Explained

See how Number26 is revolutionising the banking industry by concentrating on customer experience, mobility and an extensive network of partners to realise its value proposition.

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Number26: Business Model Innovation Explained

  1. 1. www.bmilab.com Number26: Your bank account how it should be Discover how to innovate YOUR business with the 55 Business Model Patterns Based on the St Gallen Business Model Navigator
  2. 2. www.bmilab.com Did you know that 90% of the most successful companies are based on only 55 Business Model Patterns? That means that innovation is mostly built on the recombination of already existing ideas. Want to learn more about the patterns and the process? Check out our Uber Slideshare
  3. 3. www.bmilab.com Look at how Number26 Innovated its Industry
  4. 4. www.bmilab.com First, see how Commercial Banks Usually Work WHO WHAT HOW WHY - Private and business customers that need to store/save money and make transactions - Safely storing money - Allowing transactions and payments - Loaning money - Strong physical presence through branches - Long and complicated registration process - Transaction fees - Sign-up fees - High interest rates on loans - High operating costs
  5. 5. www.bmilab.com But it Does not Satisfy Major Customer Problems USABILITY - Keeping up with bank account transactions is complicated because banking solutions are usually not mobile enough - Especially young users need an easy tool to control their budgets - People are increasingly using their smartphones to check important information COSTS - Transaction fees are usually high - Banks are intransparent about their cost structure - Young people are price sensitive
  6. 6. www.bmilab.com Now, Meet Number26! WHO WHAT HOW WHY - Especially younger generation that needs low cost solution and mobility - Simple, fee free & mobile banking solution - Free of charge account management - No own physical branches - Seamless experience through mobile app - Partnership with Mastercard and retailers - Low operational costs - Merchant pays transaction fee per swipe, creating a hidden revenue
  7. 7. www.bmilab.com But HOW did Number26 innovate?
  8. 8. www.bmilab.com #11 Digitalization HOW NUMBER26 DOES IT: 24/7 mobile access to information and possibility to make transactions through an app instead of needing to go to an agent or branch
  9. 9. www.bmilab.com #21 Hidden revenue HOW NUMBER26 DOES IT: Number26 receives a small fee from merchants per transaction made by the customer, who enjoys the service for free
  10. 10. www.bmilab.com #32 Open Business Model HOW NUMBER26 DOES IT: Number 26 has a expanding network of partners that guarantees that the customer can deposit money at retailers & withdraw everywhere for free without needing a banking license. Partners include Mastercard, Wirecard, Real & Penny
  11. 11. www.bmilab.com WANT TO LEARN MORE? Yes, we know, we only gave you a small taste of what’s to come! And that was a piece of cake, wasn’t it? Easy, but delicious! If you’re still hungry for more…
  12. 12. www.bmilab.com Visit www.bmi-lab.ch and discover more about Business Model Innovation! PS.: No real cake included! But more juicy information ;)
  13. 13. www.bmilab.com WHERE DOES IT ALL COME FROM? Of course, there was a lot of research behind the pattern cards The result of it is this book to the right: The Business Model Navigator! by Oliver Gassmann, Karolin Frankenberger & Michaela Csik