Bawi2015 07 banco popolare - chat&cash_a verzini

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Chat&Cash :Can mobile payments be Social?

Antonella Verzini

Head of Issuing and Acquiring Unit at Banco Popolar e

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BA methodologyapplication inBanco Popolare

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Banco Popolare & IIBA Italy Chapter

A collaboration started some time ago

Chat&Cash: can mobile payments be social?

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Why Banco Popolare joinedBA methodology ?


How three of the BA knowledge areas support the delivery of business value before, during, and after the life cycle of a project

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Chat&Cash :a successfull(?) BA application case history


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Analyze CurrentState

DefineFutureState

AssessRisks

DefineChangeStrategy

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Banco Popolare case history :

Chat&Cash

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This is reflected in our relationshipsThis is reflected in our relationships

CONNECTED DEVICES EXCEED

WORLD POPULATION

1,4 BILLIONS OF POPULATION IN CHINA

1,2 BILLIONS OF POPULATION IN INDIA

1,4 BILLIONS OF POPULATION IN FACEBOOK

0,3 BILLIONS OF POPULATION IN USA

Issuing & Acquiring Unit

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TODAY WORLD IS AT HAND

An opportunity to understand and grasp to create valueAn opportunity to understand and grasp to create value

Everything is possible on the move, in a few "tap"Everything is possible on the move, in a few "tap"

A new "sales channel" to acquire

or maintain market share alongside or

replace more traditional ones.

A new way to live their lives and their

relationships thanks to many

applications provided on different

stores

FOR EVERY PERSON

FOR EVERY COMPANY


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But still NOT "used" by usersBut still NOT "used" by users

MOBILE PAYMENT

It is one of the most disruptive innovations in

the world of electronic payments,

a market where many people see

a business opportunity

Service OrientedPayment Oriented

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PEOPLE CAN ALREADY USE

NEW SMARTPHONES TO PAY


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To intercept consumers needsTo intercept consumers needs

NEED RE-THINK APPROACH

IN MOBILE PAYMENT

Interesting, but why

should I use my phone

to pay? I already have

all tools that I need to

pay

It did exactly what I

needed !! ",

intercepting or

creating new needs

Transform the service so that users

understand the value of service

BEFORE AFTER


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CREATING SOMETHING NEW

ON CONSOLIDATED HABITS

Replicating the experience of using the most common AppsReplicating the experience of using the most common Apps

BILLIONS OF APPLICATIONS

manage emails share their lives thanks to social

networks

write messages with instant messaging apps

post photos express their thoughts ...

IN ONE WORD SOCIAL


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BY IDENTIFYING THE GAP OF CURRENT SOLUTIONS

Simply put speed and ease of useSimply put speed and ease of use

Be on-line immediately

without having to "suffer"

complicated processes to

access to service

Do everything with my

smartphone without paper

forms to send or sign in a

bank branch

Allow money transfer easily

without having to register

bank details or other

information

Allow to use current bank

accounts

Avoid providing their bank

details for a payment using

credit card or bank account

Provide a tool to guarantee

financial transactions and

close whole process

Allow real time money

transfer without specific

confirmations

Use confirmation modes

for complex transfers


OPPORTUNITIES

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WITH MANY OPPORTUNITIES

Banco Popolare, with the intent to eliminate gaps previously identified during preparation of the new

money transfer service, had to assess a range of opportunities ...


Are there present necessary

technical components within

Banco Popolare?

Are there solutions on the

Market that we may adopt?

What are necessary

implementations?

Why a customer of another

bank should prefer a solution

other than the one proposed

by his bank?

RISKS

It is possible this type of

banking solutions?

With different resultsWith different results

Are there any possible

developments beyond just

money transfer?

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BUT WITH RISKS

To carefully considerTo carefully consider

Security Legal

Reputation

Technical

Organization Economics

AMLFiscal

Accountancy


... and risks related to identified solution for which it was necessary to activate a whole series of

round tables to evaluate several aspects

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Break the mold by offering an innovative solutionBreak the mold by offering an innovative solution

BANCO POPOLARE SELECTS ITS STRATEGY

Assessed the market, the opportunities

and risks, Banco Popolare decided to

create their own solution, using internal

expertise gained in the creation of other

products and services, continuing on the

path of distinctiveness designing flexible

and replicable solutions


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CHAT&CASH

The social application to support money transferThe social application to support money transfer

Chat&Cash

The mobile payment app

combining payment with phone

and chat applications behaviour


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FREE FROM ANY "BURDEN"

Without an account or being a customer of any bankWithout an account or being a customer of any bank

Chat&Cash is the mobile payment app for Android and iOS and, soon, Windows Phone.

Free to activate and use Chat&Cash without having a bank account or be a bank customer.


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ACTIVE IN A MINUTE

Without formalities and without having to go to the bankWithout formalities and without having to go to the bank

Chat&Cash differs from main banking products because it does not require special formalities for

activation.

The holder does not have to print, sign and submit forms or go to the bank, but activate service by

entering a few simple data.


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IN TOUCH WITH ALL YOUR FRIENDS

Money transfer is as simple as sending a photoMoney transfer is as simple as sending a photo

Chat&Cash looks like a shared chat application (i.e. Whatsapp, Viber or similar) with whom you can

chat, send photos to your friends and customize your profile with your image and your status ...

But not only!

With Chat&Cash you are able to send and request money!


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DESIGNING, ORGANIZING AND MONEY EXCHANGE

Including groupsIncluding groups

Thanks to the presence of the Chat, you are able to manage not only financial transactions, but also

start a dialogue with your contacts. You can use Chat&Cash to design, organize, define, chat and,

when needed, to pay.

As all major chat applications you can create a group chat, but only with Chat&Cash can send or

collect money directly thanks to chat!


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HEAR TALK ABOUT US

STARTING FROM TODAY WE WILL BE

PRESENT ON DIFFERENT CHANNELS

Find chatcash.itFind chatcash.it

Starting communication activitiesStarting communication activities


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A door open to the futureA door open to the future

AND THIS IS JUST THE BEGINNING

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TITOLO

SummarizingSummarizing

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DefineFutureState

AssessRisks


Business Model Canvas

Mind Mapping

Focus Groups

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3Analyze current state

Main used techniques :

Benchmarking and Market Analysis

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DefineFutureState

AssessRisks


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Benchmarking and Market Analysis

Acceptance and Evaluation Criteria

Brainstorming

Business Capability Analysis

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DefineFutureState

AssessRisks


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Estimation

Financial Analysis

Brainstorming


Risk Analysis and Management

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[email protected]

Thank you for your attentionThank you for your attention

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Contact IIBA Italy Chapter!

Contact IIBA Italy Chapter: you can participate to interesting initiatives

[email protected] www.italy.iiba.org

http://goo.gl/q5sYt

www.slideshare.net/IIBA-IT

https://twitter.com/iiba_italy

http://www.facebook.com/ItalyIIBA

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Thank you

Bawi2015 07 banco popolare - chat&cash_a verzini

Business

Transcript of Bawi2015 07 banco popolare - chat&cash_a verzini