2008-05-26 Mobile banking. International trends and Cases - Klaus Jansen

8/14/2019 2008-05-26 Mobile banking. International trends and Cases - Klaus Jansen

1/15

Mobile Monday

Italywww.mobilemonday.it


2/15

mBanking365Seminar 2008

MOBILEBANKING

Internationaltrendsandcases

KlausJansenKnorEMEASalesDirectormCommerce


3/15

Inthenews


...Telefonicato

launch

Mobile

Banking

in

Latin

America...

TBCBanktoPioneerMobileBankinginGeorgia

MobileRemittance

...Idea,Tata,

Etisalat

and

HSBC

launch

mobile

money

transfer

pilot

SecurityhighstreetbankAbbeyistheUKfinancialinstitutionmosttargetedbyphishing

fraudsters,according

to

figures

from

anti

spam

outfit

Clearmymail.

In

the

first

quarterof200833%ofallphishingemailsblockedbyClearmymailweretargeting

Abbey upfromjustsixpercentinthefourthquarterof2007.Citiwassecondin

thetableandthetar etof19.2%ofs am followedb Natwest11.6% Halifax8.5%

andPayPal7.2%...


4/15

IntroducingSybase365


Mobile365wasacquiredbySybasein

November2006,creatinganewdivision

calledSybase365

Sybase365isattheforefrontofmobile

interoperabilitymessagingandthe

str ut ono prem umcontentan va ue

addedservices

22local

offices

in

countries

around

ofMobile365sunrivaledglobaldata

networkand

Sybases

Mobile365namedaFortuneTop25

BreakoutCompany in2005

wor c assen erpr seso u ons,

creatingtheworldsforemostprovider

ofmessagingservicesandmobile

ourcustomers,partners,employees,andcompetitors

enterprisesoftware.


5/15

Sybase365BusinessSegments


P2P

P2PP2P

A2P

CoreBusinessesP2P

mCommerceP2P

MobileAdvertisin

EmergingBusinessesOurcustomers

Wirelessoperators

Whatwesell

Ourcustomers

Enterprises,content

providers

Ourcustomers

Banks,credit

cards,

paymentssystems

Ourcustomers

Enterprises,content

providers

o a n ercarr er

SMS/MMSexchangeto

routemessagesamong

operators

a wese

GlobalSMS,MMS,

PSMSaggregationto

delivermessages

to

nearlyanynetwork

a wese

GlobalmBankingand

mPaymentsolutions

Ourposition

Ourcustomers

Advertisers

Ourposition

Worldleaderwith

nearly50%ofthe

globalmarket

Ourposition

Onlytrulyglobal

providerofA2P

Onlycompanywiththe

technology,

infrastructureandFSI

experiencetoprovide

a wese

Adimpressions,hosting

andcreativeservices

700operators

and

80%

ofsubscribers

withreach

to

700

operators

,

Commercesolution ur

pos onApioneerandleaderin

mobileadvertisingsince

1998,withover2,000

mobile cam ai ns

deliveredto400global

brands


6/15

mBanking Thetimeisright


Thenumberofpeopleaccessing26%ofUKcustomers around14

Ana ysts

Bullish

phonesissettosoarto816

millionby2011 atenfoldincreaseon2007

JuniperResearch

millionadults nowbankonline.

IntheUS33%ofcustomers the

equivalentof71millionpeople

Customers2/3rdofcustomerssurveyed

saidtheywouldbeinterested

regularlyuseWebbankingservices.comScore,April2008

n eres e inmobilebankingservicesifoffered

Sybase2007Survey

Banks

Implementing

RBS:Client

Citi:SMS

Citizens:SMS,Client,WAP


7/15

mBanking:KeyPlayersareprimed


Customers

Users

now

comfortable

with

richer

services Customersusedtopayingforvalue

Telcos

SmarterDevices

FasterNetworks

FlatRatePlansandBundles

Banks

GenYcustomer

expects

mobile

Canreducecosts,generaterevenueandprovidedifferentiation

CompetitiveBanksareofferingit


8/15

SybasemBanking365Architecture



9/15

OpportunitiesfortheBank


Service Extension CostSavings

Information

Services

TransactionServices

Payments

Callcentrebalancerequests

ResolutionNotificationsvs.Printing

Tokenreplacements

SecurityforInternetBanking

Mobileas2FAdevice

Marketing

CustomerAcquisition

er s

ec s on ng Fraudalerts

CustomerFeedback

CrossSelling


10/15

HowBanksleveragethemobilechannel


AccountAlerts

TreasuryAlerts

MarketingPUSHcampaigns

CallCenterPINdelivery

CardServices

Credit

Card

Alerts

Consumer&CommercialBanking2FAPIN

DisputesResolutionsClosures

SMSLoanProcess(2way)

SMSto

Call

Centre

ATMSearch

,


11/15

CustomerAdoption


Aware

Aware

Interact

Interact

Transact

Transact

Essential

Essential

Transparent

Transparent

Fraud AlertsFraud Alerts BalanceBalance

TransfersTransfers

2FA viaMobile2FA viaMobile

P2PPayments

P2PPayments

Bill PayBill Pay

Based MobileOnly Offers

Based MobileOnly Offers

RemittanceRemittance

Airtime To -Airtime To -

StatusNotifications

StatusNotifications

Mini-statements

Mini-statements Actionable

Alerts (BillPay

ActionableAlerts (Bill

Pay

an c ayan c ay

Time CriticalAlerts

Time CriticalAlerts

ups

ups

Wave&PayWave&Pay

(Brokerage)(Brokerage)

MonetisationOpportunityMonetisationOpportunity


12/15

Survey2007:Awarenessofmobilebanking


Awareness of mobile banking43%

26%

Italy,

Awareness is lowest in UK whereonly quarter think their bank offers

55%

60%

38%Yes

do not know

3%11%

7%

6%

No

5%

50%

69% UK

40%

37%

51%Don't know France

Spain

Italy

0% 20% 40% 60% 80% 100%


13/15

Mobilebanking:currentstatus

3. Do you provide mobile banking services to your customers at present?mBanking365Seminar 2008

3. Do you provide mobile

31%

33%34%

No plans to offer

banking services to your

customers at present?

37%

53%32%Plan to offer in ALL

20%

22%next 12-24

months Europe

Asia

43%

47%

10%Offer Mobile

Services

0% 10% 20% 30% 40% 50% 60%


14/15



15/15


2008-05-26 Mobile banking. International trends and Cases - Klaus Jansen

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Transcript of 2008-05-26 Mobile banking. International trends and Cases - Klaus Jansen