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

0

50000

100000

150000

200000

250000

300000

350000

400000

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