1. Project New mBank
June 2013
Perhaps the world’s most innovative online banking

2. 2
Agenda
1. Brief overview of Project New mBank
2. New mBank innovations and design
3. Additional information

3. 3
mBank is the biggest polish online bank and part of the third polish
retail banking group – BRE Bank
First Polish pure-play online bank founded in 2000
Currently #3 retail bank and the biggest online bank
Full retail and SME product range available behind
single login
Launched in Czech Republic and Slovakia in 2007
$10,2B deposits & $11,4B loans at the end of 2012
The third Polish banking group with comprehensive
financial offer tailored to the needs of corporate clients,
Private Banking clients, and retail clients
Member of Commerzbank Group
~6 000 employees
BRE Retail banking (mBank, MultiBank, mBank Czech Rep.
& Slovakia) serves total 4,1M customers
18 955
17 259
Loans Deposits
388
Net income
BUSINESS RESULTS
[total BRE Bank group, 2012 EOY, M USD]
BUSINESS RESULTS
[2012 EOY, M USD]
Source: BRE Bank Investor Relations, Bankier.pl
• 3,5 M customers
• $8 800 M deposits
• $10 900 M loans
• 0,17 M customers
• $439 M deposits
• $88 M loans
• 0,44 M customers
• $923 M deposits
• $458 M loans

4. 4
• Modern Design and User
Interface
• Personal Finance
Management
• Video chat
• Discounts app on Facebook
• Gamification
• P2P payments
REAL TIME
MARKETING
• Real-time and behavioral offers
• Transactional marketing with
merchants
• Transactional banking
• Geolocation
• Mobile payments
FOUR PILLARS OF NEW mBANK
• With >200 team members and budget of
$31 M Project New mBank is one of the
biggest financial startups in Europe and
the biggest innovation-driven project
in Polish retail banking for a decade
• The Project kicked-off in April 2012
• Work has been divided into two stages:
• Phase 1 focusing on online banking
(launched in Jun 2013)
• Phase 2 focusing on mobile banking
(work in progress)
• Strategic partners include Meniga,
Artegence and Accenture
PROJECT DETAILS
New mBank – 10 major financial innovations tightly integrated in
perhaps the most modern online banking in the world

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In 14 months joint teams of IT, Business and UX specialists
completely redesigned the online banking platform, introducing
>200 new features
Teams consisting of IT, business
and UX specialists divided into
ten streams worked together on
each part of the project from
designing the scope to launching
the product
1050 hours of UX tests with
clients and potential users
(without UAT and beta tests)
Over 400 final UI/UX models
(over 1700 draft models)
Exploration and
innovation
analysis
• Trends
• Benchmarks
• Experience
from mBank
User Experience
strategy
• mBank
personas
• User scenarios
• Interaction
points
• UI/UX for
navigation
Creative
concepts
• Designing the
interface
• Eyetracking
perception
analyses
• UX concept
tests
Design
development
• Navigation and
model AI design
• Multiple UX
tests
• GUI design
• Interactions
and animations
THE PROCESS OF CREATING NEW mBANKTHE TEAM

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The launch of Phase 1 in June 2013 was widely acclaimed by the
most demanding reviewers – our Customers
PRE-LAUNCH CAMPAIGN
(April-June)
LAUNCH OF New mBank
(June-now)
• The campaign focused on education and engagement
with innovative functionalities of new online banking
platform. Campaign ran over 7 weeks before launch
• The youtube videos prepared for the campaign were
viewed >600k times, 12x increase in YT activity
• Over 40 ths. customers signed up to obtain access to new
platform
• mOKAZJE, the merchant-funded transactional marketing
platform was launched. It reached >50k Facebook app
installs, making it the third fastest growing app on Polish
FB in May
• The launch of Phase 1 was combined with rebranding of
mBank
• ~200 ths. users signed up to obtain access to new
platform in the first week!
• Most active users of mOKAZJE saved ~230$ over first 2
months – more than users of any competing moneyback
program over a year
• Journalists and experts wrote about New mBank >700
times post launch; >3x more than any other bank
launch/campaign in Poland
Source: mBank

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Our efforts have also been recognized by an international group of
experts at Finovate Europe 2013 - Best of Show Award
• Finovate is the first demo-focused
conference series in financial
technology organized since 2007
• mBank was one of very few banks to
receive the Best of Show Award in the
history of Finovate
• We covered re-designed online banking
and first European implementation of
transactional banking – mOkazje
• Demo showcased contributions of our
key partners: Effigence, Meniga and
Accenture
• Conferences are held in four cities – San
Francisco, New York, London, Singapore
Source: Finovate

8. 8
Agenda
1. Brief overview of Project New mBank
2. New mBank innovations and design
3. Additional information

9. mBank’s re-designed information portal - landing page

10. Login

11. Re-invented online banking – landing page

12. Profile selection – individual or SME

13. Accounts – PFM enhanced balance history and forecast

14. Budgets

15. Deposit wizard – choice through simplicity

16. Universal statement page – account aggregation, quick search

17. Google-like quick search feature

18. Trends analysis

19. Banking transfers - hub

20. Banking transfers - domestic

21. P2P transfers – Facebook or text

22. Receiving money on Facebook

23. Address book

24. Credit and debit card view

25. Video banking: „Expert Online” – service selection

26. Video banking: „Expert Online” – advice window

27. System settings – landing page

28. System settings– Facebook options

29. Financial products store: „Market”

30. Financial products store – product details and purchase

31. Gamification withing online banking - mGRA

32. Gamification: „mGRA” – leader board

33. Logout

34. Merchant-funded transactional marketing: „mOkazje” - on Facebook

35. Merchant-funded offers: „mOKAZJE” – cash back statement

36. Nowymbank.pl – pre-launch campaign HUB 1/2

37. Nowymbank.pl – pre-launch campaign HUB 2/2

38. New mBank renders perfectly on smartphones, tablets and…
iOS, Android, Windows Phone

39. … And even on SmartTVs

40. All that accompanied by bold rebranding

41. 41
Agenda
1. Brief overview of Project New mBank
2. New mBank innovations and design
3. Additional information

42. 42
Additional information
Viral videos made to promote New mBank:
Mr Button vol. 1 - http://www.youtube.com/watch?v=HmahAyKp2VE
Mr Button vol. 2 - http://www.youtube.com/watch?v=BU8Xje5WjFw
Rich media campaign:
http://www.youtube.com/watch?v=wyOQmOwPdW4
Press releases:
http://media.brebank.pl/en/pr/244083/mbank-is-changing-new-logo-transactional-service-expanded-offer
Other sources:
http://pinterest.com/michalpanowicz/new-mbank-10-most-impactful-financial-innovations-/
http://www.youtube.com/user/mbanktv
Finovate – http://finovate.com/2013/02/finovateeurope-2013-best-of-show-credit-agricole-etronika-mbankefigence-meniga-moven-
pockets-united.html
Forrester - http://blogs.forrester.com/auke_douwe_veenstra/13-02-15-finovate_europe_2013_bank_to_the_future
Banking Tech - http://www.bankingtech.com/66891/finovate-europe-sees-arrival-of-the-old-guard/
PR Web - http://www.prweb.com/releases/2013/2/prweb10445589.htm
ICT Journal - http://www.ictjournal.ch/fr-CH/News/2013/02/14/Huit-innovations-financieres-primees-a-Finnovate.aspx
Mapa Research - http://www.maparesearch.com/news/article/finovate-day-two
Screen captures of New mBank:
New Design – www.youtube.com/watch?feature=player_embedded&v=v98XAI_6XSk
Search engine - www.youtube.com/watch?feature=player_embedded&v=svvxNm0tZqA
Money transfers - www.youtube.com/watch?feature=player_embedded&v=lQ70vSXLTSE
PFM - www.youtube.com/watch?feature=player_embedded&v=wmFe2lnaKEY
mOKAZJE - www.youtube.com/watch?feature=player_embedded&v=RBVw5k3Sxuw

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For more information please contact:
Michal Panowicz, Managing Director of Project New mBank
michal.panowicz@mbank.pl
Krzysztof Olszewski, BRE Bank Group's Spokesperson
krzysztof.olszewski@brebank.pl
Marek Skomorowski, Project New mBank team member
marek.skomorowski@mbank.pl