El futuro de las finanzas
Transcript of El futuro de las finanzas
You’re digital.
Face it.
Banks are digital.
There’s nothing more bits and bytes than moving money around…
So you have to follow the native properties of internet
1. platform based
2. user centered
3. contextual & data-driven
4. pull not push
‣ unbundling is happening
‣ in a network, the value is in the connections, not the nodes
‣ connect users & ecosystem
‣ open up your platform
‣ but own the front-end (UX)
Own the platform, not the nodes
This is why the Apple ecosystem, Facebook (Instagram/Messenger/Whatsapp) and even P2P chat apps like Snapchat are working hard to become a platform and an aggregation layer.
Alibaba, the most valuable retailer, has no inventory.
Uber, the world’s largest taxi company, owns no fleet.
AirBnb, the largest accommodation provider owns no real estate.
Facebook, the most popular media owner, creates no content.
Platform companies, owning the front-end.
There’s always room for a front-end layer on top.
Banks already own the connection with the end-user.
(For now.)
‣ bitcoins?
‣ new mobile wallets?
‣ Bancontact?
‣ P2P like Transferwise?
‣ Paypal?
‣ Facebook credits?
‣ Sixdots?
Payment systems will become ‘dumb pipes’ (see Telco).
Who knows which payment system will win?
Own the platform, not the nodes
bitcoins wallets p2p snapcash …
SWIFT
Avoid the dumb pipes by building UX & services.
Unified banking front-end (UX)
API
‣ make banking API-based
‣ surpass the dumb pipes
‣ build a component-based model
‣ “Banking As A Service”
‣ add value in the services for end-users
‣ build a superior front-end (UX)
Become the BAAS
Banks have the unique opportunity to own the front-end.
Reduce the pain of navigating a fragmented experience.
Build an excellent user experience.
Rebundle an unbundling landscape by superior UX.
Don’t focus on the product. Get closer to the transaction.
‣ I want to buy shoes (not handle the debit card).
‣ I want to own a home (not take out a loan).
‣ I want to manage my budget (not look at my account).
Build the User Experience around the transaction.
Understand the final need of the user
‣ Decentralise your network.
‣ Obviously: all digital channels.
‣ (OMG! There’s still doubt around responsive/mobile?)
‣ Forget: “money in branches”.
‣ Branches are useful for distribution of UX, not cash.
‣ Banking is no longer somewhere you go, but something you do.
‣ Cloud based - no office needed!
Be where the user is
It shows you’re still thinking in siloed channels.
Stop using the word “omnichannel”.
It's like having a ‘multi-counter strategy’…
Digital does not mean ‘computer-only’.
The human smile is needed!
Embed humans in the interface. Make the user experience as human as possible.
(I’m betting on video, videochat and live
streaming.)
Data transforms into information or advertising, depending on the context of the consumer.
The age of context
If I want to buy a car, and I find a bunch of paper advertising for diapers in my mailbox - they go straight into the bin.
If I want to buy a car, and I find a bunch of paper advertising for cars in my mailbox - I take them with me to the couch and read them all night.
The age of context
Data transforms into information or advertising, depending on the context of the consumer.
The age of context
‣ demographic (segmentation)
‣ search word
‣ location
‣ friends
‣ browser history
‣ activity (work, home, bar)
‣ …
The age of context
Context is ambient
Not just segmentation or personalisation.
Context is in the sensors of objects surrounding us - our personal data cloud.
Internet of things: how users are signaling their context.
Pre-internet Internet
Decision Process
Supplier
Product
Solution
ProblemSupplier
Problem
Solution
Product
Branding
Branding
Content Marketing
HILI
‣ don’t push, but capture the intent
‣ real-time
‣ kill ‘batch’ thinking!
‣ 1-on-1 & personal
‣ intent first, campaign second
‣ intent first, product second
‣ predictive?
Capture the intent
You have to follow the native properties of internet
1. platform based
2. user centered
3. contextual & data-driven
4. pull not push
Waar is God? God is overal: in de hemel, op aarde en op alle plaatsen.
Ziet en weet God alles? God ziet alles, zelfs onze geheimste gedachten; Hij weet alles, ook de toekomende dingen.
Omnichannel Cloud
Contextual
Privacy
Predictive
Data-driven
Mechelse Catechismus:
Wijs bvba
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