How to create emotional connection between youth & banking? * Enable simple engagement with money. * Build trust and form habits in order to become financial companion. * Ensure that bank offering captures & captivates the youth audiance. It is a digital product project which will create a new digital banking service for millennials. This new service will deliver lifestyle experiences to spend, save and live smarter.

1. youthDIGITAL
BANKıng
BANKS THINK ECONOMIC VALUE PEOPLE THINK PERSONAL VALUE
BANKS THINK ABOUT PRODUCTS THEY OFFER PEOPLE THINK ABOUT HOW THEY’RE TREATED
myProduct
is here
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H E L L O

2. !
Source: CSC & Finextra
75%
CHECKING ACCOUNT
BALANCES
10%
MAKING SMALL
PAYMENTS
!
ex: peer-to-peer
MANAGING PERSONAL
FINANCES
10%
MAKING MERCHANT
PAYMENTS
4 %
FEATURES THAT RETAIL BANKS THINK
ARE THE MOST IMPORTANT
EXPLORING BANKING
PRODUCTS
1 %!
such as loans and
mortgages
T R E N D S
FinTech in USA
– Check: bill management services company
– Venmo: social payments platform to make and share payments with your
friends
– Crowdtilt: pool funds with your friends
– The Currency Cloud: international payment platform
– Dwola: small payment system charging fixed fees
– Square: way to accept credit cards
– Stripe: optimized, cross-device payment form, with support for single click
payments
– BrainTree: platform to accept payments online and on a mobile app (Acquired
by Paypal).
FEATURES THAT RETAIL BANKS THINK ARE THE MOST IMPORTANT
!
Source: CSC & Finextra
75%
CHECKING ACCOUNT
BALANCES
10%
MAKING SMALL
PAYMENTS
!
ex: peer-to-peer
MANAGING PERSONAL
FINANCES
10%
MAKING MERCHANT
PAYMENTS
4 %
M I N D T H E G A P W I T H T H E C U S T O M E R A N D B A N K
!
FEATURES THAT RETAIL BANKS THINK
ARE THE MOST IMPORTANT
EXPLORING BANKING
PRODUCTS
1 %!
such as loans and
mortgages
FinTech in UK
– GoCardLess: online direct debit provider
– Transferwise: marketplace for foreign exchange.
FinTech in France
– Leetchi: pool funds with your friends
– Weeleo: marketplace for foreign exchange
– iPAYst: payment application that uses a QR-Code to trigger a payment transaction.
GLOBAL FINTECH REVOLUTION

3. M A R K E T I N G S T R A T E G Y
16-25 years old, Millenials, Collage Kids, Young professionals, Teenagers
They are mobile, social, conversational and always on. Based in values, they
have an emotional connection with brands.
TARGET USER
WHAT MILLENIALS WANT IN MOBILE PAYMENT EXPERIENCE?
Inc Mag, fintechranking
Want to use mobile payments
to speed up financial
transactions. Cater to
Millennials’ desires for
expediency and ease of use.
Want to use mobile payments to
split bills with their peers.
And nearly 50 percent of
Millennials said they’d connect
their mobile payment information
to a “wearable” device, like a
smart watch.
Millennials want mobile
transactions to be as digitally
native as they are. They are
interested in customizing the
experience as well as having the
options to pay via a mobile
device in store, within their
mobile browser or app, and/or
on a wearable device.
CONVENIENCE FLEXIBILITY
50 45% %
ANALYTICS
52
Want mobile payments to help
them track their spending. Fifty
percent of Millennials use their
smartphone to research
purchases. Forty-eight percent
of Millennials are interested in
real-time and forward-looking
spending analysis.
Millennials are interested in
better analytics to help them
track spending, and to
customize their mobile
experience further.
%
SECURITY
54
Concerned about the
security of mobile devices for
banking purposes. Nearly 70
percent of Millennials are
more likely to trust
companies that are
technology based and would
be more excited about a new
offerings in financial
services from Google,
Amazon, Apple, PayPal, or
Square than from their own
nationwide bank.
%

4. PRODUCT WILL CREATE A NEW DIGITAL BANKING SERVICE FOR MILLENNIALS. THIS NEW
SERVICE WILL DELIVER LIFESTYLE EXPERIENCES TO SPEND, SAVE AND LIVE SMARTER. AND
IT WILL BE FREE WITH THE OWNER BANKS DEBIT ACCOUNT.
HOW TO CREATE EMOTIONAL CONNECTION
M A R K E T I N G S T R A T E G Y
ENABLE SIMPLE ENGAGEMENT WITH MONEY VIA DIGITAL EXPERIENCES.
BUILD TRUST AND FORM HABITS IN ORDER TO BECOME FINANCIAL COMPANION.
ENSURE THAT BANK OFFERING CAPTURES & CAPTIVATES THE YOUTH
AUDIENCE.
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5. PayPal
How to use it: Send and receive money using the app or website.
What it’s good for: It is very secure and also international, oldest Internet payment services, it’s extremely common.
Risks: If you’re not transacting with friends or family, make sure you choose the “goods and services” option so you can use
PayPal’s purchase protection.
Downsides: It used to be a little cumbersome for paying your friends back, but PayPaul just launched a new feature called
PayPal.me that lets each user have his or her own URL. To pay or get paid, you send the URL along with the amount in an email or
text, and the recipient can easily complete the transaction.
Fees: Free for everyone except merchants, if you fund with a bank account. Payments to friends with credit cards are 2.9% + $0.30
per transaction. That same charge applies if you receive money for “goods and services” instead of friends and family.
Venmo
How to use it: Create a Venmo account and send and request money with a few clicks or taps of a phone screen. Most people use
it in app form, but since it’s linked to email and your phone number, you can complete requests for money extremely easily by
responding to the text notification you get if someone wants money. You don’t even have to open the app.
What it’s good for: Paying friends, and friends only. It’s quick and easy to use on a regular basis.
Downsides: Just the security, pretty much. It’s an incredibly frictionless user experience that has catapulted up to $2.4 billion in
payments in 2015.
Fees: Free for bank account transfers and major debit cards. Credit cards and non-major debit cards carry a 3% fee.
Square Cash
How to use it: Make an account and use it like Venmo, with an app or online. Or, use it by email. All you have to do is send an email
and cc cash@square.com to make a payment or request@square.com for a request.
What it’s good for: Paying your friends, people who like simplicity and don’t want an extra app on their phone.
Downsides: Just the security concerns.
Fees: Free for non-business transactions, 1.9% per transaction to receive money for goods from strangers.
Google Wallet
How to use it: Google Wallet accounts can be linked to a bank account or a debit card, though those carry a 2.9% fee. You can
send money to friends or strangers through the website, the app, or Gmail—there’s a little dollar sign icon at the bottom of a
message.
What it’s good for: Paying your friends.
Downsides: Not as user-friendly as the others, and Google discontinued the ability for Wallet to be used at stores.
Fees: 2.9% fee to fund money via a debit card; free to fund with a bank account. Transfers are free.
Payments in Facebook Messenger
How it use it: You send a message to someone on Facebook and hit the dollar sign, input value and your debit card info.
What it’s good for: Paying Facebook friends and family you trust.
Downsides: Security. Think about how often friends leave joke statuses on each other’s Facebooks when the person is accidentally
still logged in. Also, the unfamiliarity.
Fees: Free
COMPETITORS
PAY M E N T S &
C R E D I T C A R D S
M O B I L E
P R E PA I D
Serve
Bluebird
Square
Paypal
Klarna
Plastc
Coin
bPay
Mocapay
Apple Pay
Google Wallet
Valyou
SoftCard
Amazon Payments
A R M I E S O F C O M P E T I T O R S
BKM Express
12 banka ile işbirliği,
iOS ve Android uygulaması,
Mobil web ve internet sitesi
App Store puanı: 4,8 / 5
fastPay
DenizBank üye işyerleri
iOS, Android ve
Windows Phone uygulamaları
App Store puanı: 3,9 / 5
iGaranti
3 üye işyeri
iOS ve Android uygulamaları
App Store puanı: 3,0 / 5
Vodafone Cep Cüzdan
PTT anlaşmalı
iOS ve Android uygulamaları
App Store puanı: 3,9 / 5
P2P
Venmo
Facebook
LoopPay
Tilt
Dwell
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6. Send money instantly to
anyone, anywhere. Across the
table or around the world.
LINK is a social network that allows you to pay
online, keep your savings, online purchases and
share money with friends. It’s your new virtual
wallet.
Your bank. Your money. Your
mobile payments platform.
With LINK a completely new product appears,
connecting our money to our online life in a very
simple and efficient manner through the mobile. Its
focus is centered on payments, purchases, and
savings.
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Powered by ______
LINK!
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7. Send Money from mobile to mobile
Simple money transfer to anyone via mobile phone number. Easy, fun and fast as sending
a message to a friend.And its free!
Transfer
Real time transactions between bank accounts. Prepaid account linked to either a
Mastercard or Visa credit card account.
Connect and Share
Use all your contacts and create a network of friends so that to make a payment between
people, known as “peer-to-peer” payments, is as easy as sending a text message.
Highlight online group allowances, a unique system to be able to organize purchases as a
group. Split dinners, birthday gifts and house spendings.
Set up joint funds for nights out or weekends away or a birthday present is to be made
between several friends. Assign a quantity for each participant, then to claim and receive
it, and know at all times who participated in the fund and who has yet to pay in his or her
part. If you have LINK, you can spend funds as soon as you receive them, without waiting
for the funds to transfer to a debit card or bank account.
F E A T U R E S
Mobile Wallet - P2P Payments
Spend
Pay mobile, enable digital payments using your existing app. Cash out when it is over
from any ATM, with no card required.
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8. F E A T U R E S
Mobile Payment - Manage your money
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Calendar
View your expenses for a selected period; day, week or month. You can also compare
expenses during the previous months with the current one. Use calendar to enter
backdated expenses.
Control
Set limits for your monthly or weekly expenses. If you want to set a limit per category.
A pre-paid card makes it particularly interesting for online purchases, with young
people no-longer having to ask their parents for their card. And it makes it possible to
maintain greater control on expenses.
Analyse & Track
Check your whole feed of your expenses and understand what expenses can be cut
down. his helps you easily track the amount of money left or saved. Track bills and pay
them in one place, and also offers an at- a-glance view of how much money you’ve
actually got on hand, at all times.
Categorise
Define categories, add expenses accordingly and easily manage your budget. Link your
bills and app will aggregates all of your monthly bill information.

9. C O M M U N I C A T I O N S T R A T E G Y
NOT TO BE BANKY
Cool features, Funway to bank, Fun account, Easy to understand
MAKE THINGS PEOPLE LOVE
Become hype and get millennials talk about the app. Be the best in class in financial services for
millennial by putting users at the heart of service by design and usage.
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“SPLIT SPENDINGS” “YOUTH COMMUNITY” “MANAGE YOUR MONEY”

10. C O M M U N I C A T I O N S T R A T E G Y
LINK!
DO MORE WITH LESS.
LINK!
Povered by _______
Povered by _______
SHARE, SPEND, SAVE TOGETHER.
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11. F U T U R E S T R A T E G I E S
Partnerships with Festivals, Organisations, Universities, Restaurants & Cafes, Sport Activities, Concerts, Hotels, Transportation services, Other
digital services, Shops and Merchants, etc.
A wristband for contactless NFC payments for purchases.
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12. PROJECT PLAN
WEEK 1 WEEK 2 WEEK 3 WEEK 4 WEEK 5 WEEK 6 WEEK 7 WEEK 8 WEEK 9 WEEK 10 WEEK 11
Discovery
Service Blueprint
Key Service Concepts
Interaction Models
Interaction Design
User
Research
User & Stakeholder Workshops
WEEK 12
Visual Design
Annotated Wireframes
P R O J E C T P L A N
DESCRIBEDISCOVER DESIGN ROADMAP
Understanding the market
Business context
User and market research
Competitor analysis
UX Guidelines from VDF UK
SelfCare analysis
Stakeholder interviews
Touch-points analysis
Product and service lifecycle
Technology capabilities Assessment
Business KPIs
Rumble Workshops
Rumble Output
Vision and Strategy
Service Concepts
Opportunities
Framework creation & Service
Blueprint
Service Blueprint
Design principles
Final service definition
Final Release plan
Define deployment roadmap
FrameworkContext + Insights Customer Journeys + Prototype Phase II Plan
Service Design
Mobile Interaction + Visual (15 screen Max)
Web Interaction + Visual (15 screen Max)
Click-through Prototype
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13. Be innovative but keep it simple. Focus on “Mobile Life” services supporting every aspect of people’s
lifestyles at home, at work, and on the move.
Create post-login experience. By monitoring customer transactions and behavior, the dialog engine can
suggest tools for financial planning and budgeting, act as a virtual advisor, offer peer comparison on
selected products or services, and much more.
Be relevant. Deliver improved service to customers by developing digital applications that recognise
contextual signals and engage customers within that context.
Be narrow but socially useful. It is better to be narrow but to satisfy a customer need in the right context
rather than to be wide and try to offer everything at a time.
Build an ecosystem rather than a single app. Extend the ecosystem by offering a greater range of services
for their customers.
P E R F O R M A N C E
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14. THANK YOU!
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G O O D B Y E