This is my latest presentation on digital bank trends, that accompanies the book Digital Bank http://www.amazon.com/Digital-Bank-Chris-Skinner-ebook/dp/B00G1L9MDI/ref=zg_bs_154892011_9
34. It took 13 years to get two million customers
using Internet banking; it took just two months
to reach that number for mobile banking.
[Barclays Bank]
It took 10 years to get twenty million contacts
per month through Internet banking. It took 18
months for mobile. [Société Générale]
36. PHOTO
RECEIPTS
Simple allows customer to not only
view receipts, but also attach
pictures to their transactions. Their
overall interface is one of the
cleanest in the industry.
They also integrate a ‘safe-to-spend’
function that combines budget with
transaction behavior.
37. CUSTOM
ALERTS
GoBank has a very simple way to
set more than 10 different alerts to
be delivered to the channel(s) of
your choice.
39. SIMPLIFIED
PAYMENTS
Kaching provides as many payment
options as any bank worldwide,
including ability to pay bills with QR
codes, make Bump P2P payments
and even payments through
Facebook.
40. UNIVERSAL
P2P
Square has recently introduced a
new way to pay friends. With Square
Cash, sending money is as easy as
sending an email. No passwords, no
sign-up, no hassle.
41. TRANSACTION SEARCH
mBank’s smart transaction
search engine makes a
search through your
transaction history as easy
as using Google on the
internet, with results
displayed in real time
43. LOCATIONAL REWARDS
Amex serves cardmembers rewards
based on their locations, should they
wish to use the geo-location service.
The feature, called My Offers combines
Amex spend history with location
information to provide discounts and
information of nearby merchants. In
turn, customers click the deals they
want.
44. DIGITAL
RECEIPTS
Moven provides real-time digital
receipts for debit and mobile
payment transactions. These
receipts include alerts,
categorization and comparison to
historical spending.
45. FINANCIAL
WELLNESS
Moven’s Cred score
• Monitors your finances
• Provides comparison to others
• Gives you feedback about your
progress and how you can improve
• Rewards you for being financially fit
• Helps you spend, save, and live
smarter
60. WEARABLE BANKING
Banco Sabadell is the first bank in the world to present its own app
for Google Glass. The app allows the customer to find branches and
ATMs, check balances and supports video conferencing. Apps were
developed using an open app innovation program.
61. WEARABLE BANKING
The SmartWatch app is based on Westpac’s Cash Tank app that
allows customers to get balances without any authentication.
Westpac is now working to offer customers quick transfers between
their bank accounts and the ability to receive account alerts to the
watch.
70. Over 80 percent of Tencent’s revenue comes from value-added services that users
pay for using QQ coins (币, Bì) QQ’s virtual currency. Tencent introduced QQ coins in
2002, and the currency has since become the main driver of China’s virtual goods
market, valued at about US$5 billion in 2009.