Mobile Banking
a new (critical) experience for banks
Mobile Monday – 2012, April, 23rd
1 • Mobile trends for banking
2 • Banking trends for mobile
3 • Next challenges
One Billion smartphones by 2015
More than 300 millions tablets in the
world by 2015
Source Gartner, 2012, April
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150000
200000
250000
300000
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2011
2012
2013
2016
Other Operating Systems
QNX
Microsoft
Android
iOS
And iPad will dominate tablet
sales until 2015
Mobile internet usage will exceed
desktop usage by
400 Millions people will use Mobile
banking in 2013
40% of Swiss
Cantonal Banks
ignore Mobile
banking
Mobile website is always an
option even if Apps are preferred
Billions
applications have already been
downloaded from the Apple Store and
the Android Market …
Today
Games dominates Mobile Apps usage
Mobile Banking Apps as a standard
service … soon
It is not because I have it that I use it
But …
1 • Mobile trends for banking
2 • Banking trends for mobile
3 • Next challenges
Bank services
New trends challenge banks about
their services and market positions
Payments
Trading
Savings Credit
Personal Finance
Peer-to-Peer lending
Mobile Payments
Security & Privacy
Crowd-funding
More than 50% of users don’t trust
the security of their mobile
Personal Finance pulls all
your financial information
into one place to get the
entire picture and manage
your money
Banks are in the race
with many different solutions
The crowdsourcing as a new
innovation power for banks
Banks benefit from their online
communities
Communities also promote social
initiatives …such as loan agreements
between friends
Crowd-funding opts for
disintermediation
Or get a peer-to-peer loan …
without the banks
Pay with your mobile
New
world of players
for
mobile
payments
By 2015, mobile payments will be
the most used channel for banking
Banks are looking for new mobile
opportunities, such as small amount
transfers solutions
1 • Mobile trends for banking
2 • Banking trends for mobile
3 • Next challenges
It is not enough for banks to say
we want to go mobile
Smartphones, tablets and apps
usage explode
Speed development is a
new challenge : Banks need
to adapt themselves quickly
Mobile connections will exceed
desktop ones
New banks architectures
are needed : Bank-as-a-
Service should become a
standard
Security and privacy concerns are
rising
New regulatory
requirements will appear
about mobile banking
New players arrive especially for
payments and lending services
Innovation should drive
bank strategy in order to
assert its position againts
new competitors and
disintermediation trends
Thank you
Marc Barbezat
http://about.me/marcbarbezat
Illustrations and web references :
http://www.diigo.com/user/marcbarbezat/MobileMonday
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