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Money and Mobile: SwedbankErkki Saarniit, Head of E-Channels Operations, Swedbank

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What fits into mobile?

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What fits into mobile? Today?

3

Picture: www.clickaphone.co.uk

App: accountbalance, quick

overview

Calls to bank

SMS notifications

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What fits into mobile? Actually today.

4

Picture: www.clickaphone.co.uk

App: accountbalance, quick

overview

Authentication and signature (mobile-ID)

Payment in internet (mobile bank link or

card)

Calls to bank

SMS notifications

Browser: wholeinternet bank

Transfer to a friend

E-mails to and frombank

Location basedrecommendations: ATMs, branches,

discounts

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What fits into mobile? Today/tomorrow.

5

Picture: www.clickaphone.co.uk

App: most of bankstuff

Authentication and signature (mobile-ID)

Payment in a shop

Payment in internet (mobile bank link or

card)

Calls to bank

SMS notifications

Browser: wholeinternet bank

Transfer to a friend

E-mails to and frombank

Location basedrecommendations: ATMs, branches,

discounts

Location based offers

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For entrepreneurs...

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Bank link as the most popular payment methodin the Baltics

• When having Baltic customers, definitely have a bank link as a payment possibility.

7

Have some bank’sinternet bank agreement, have bank link payment

possibility

1/3 have a card with

onlinepayment

functionality

Have ever usedthe card formobile purchases

Have ever usedthe card foronline purchases

1/3 have ever used

banklink for online purchases

Have ever usedbanklink formobile purchases

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Expand your audience

• Offer payment options based on the region.

• Use as many possible payment options as financiallyreasonable.

• Offer internationally known payment options – credit cards, PayPal etc. to attract customers worldwide.

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How bank link looks like in mobile?

9

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For developers...

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Bank link in the Baltics is easy to implement

• You will need a contract and exchange certificates.

• You will need to send and receive packages based on simplespecification.

• You should use HTTPS. And a good web server certificate.

• You don’t have to do anything in order to look good in mobile.

More information about bank link:

https://www.swedbank.ee/business/cash/ecommerce/banklink/description

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Any other cool stuff?

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• Swedbank’s mobile app on of the most popular apps in Estonia – more than 130 000 downloads.

• More than 200 000 Swedbank customers have a smartphone.

• For mobile bank and bank link you don’t have to have an app, you just need a more or less modern mobile browser.

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Fun facts

0

500

1 000

1 500

2 000

2 500

3 000

3 500

Total downloads ANDROID IPHONE

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Thank you!

Questions?

Find me later or contact me:Erkki SaarniitErkki.Saarniit@swedbank.ee+372 888 7192

http://www.linkedin.com/in/erkkisaarniit