2008-05-26 Mobile Banking. International Trends And Cases - Klaus Jansen
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Mobile Monday Italy www.mobilemonday.it
Mobile Monday Italy
mBanking 365 Seminar 2008
MOBILE BANKING International trends and cases Klaus Jansen‐Knor EMEA Sales Director mCommerce
Mobile Monday Italy
In the news mBanking 365 Seminar 2008
Mobile Banking Mobile Banking ...Telefonica to launch Mobile Banking in Latin America... …TBC Bank to Pioneer Mobile Banking in Georgia…
Mobile Remittance ...Idea, Tata, Etisalat and HSBC launch mobile money transfer pilot…
Security …high street bank Abbey is the UK financial institution most targeted by phishing fraudsters, according to figures from anti‐spam outfit Clearmymail. In the first quarter of 2008 33% of all phishing e‐mails blocked by Clearmymail were targeting Abbey ‐ up from just six per cent in the fourth quarter of 2007. Citi was second in t e tab e a d t e ta get o 9 % o spa , o o ed by at est 6%, a a 8 5% the table and the target of 19.2% of spam, followed by Natwest 11.6%, Halifax 8.5% and PayPal 7.2%...
Mobile Monday Italy
Introducing Sybase 365 mBanking 365 Seminar 2008
Mobile 365 was acquired by Sybase in November 2006, creating a new division g called Sybase 365 Sybase 365 is the combination Sybase 365 is the combination of Mobile 365’s unrivaled global data network and Sybase’s world‐class enterprise solutions, ld l t i l ti creating the world’s foremost provider of messaging services and mobile enterprise software.
Sybase 365 is at the forefront of mobile interoperability messaging and the di ib i distribution of premium content and value‐ f i d l added services 22 local offices in countries around the world the world Mobile 365 named a Fortune “Top 25 Breakout Company” in 2005 High High standards of business integrity toward standards of business integrity toward our customers, partners, employees, and competitors
Mobile Monday Italy
Sybase 365 Business Segments mBanking 365 Seminar 2008
Core Businesses P2P
Emerging Businesses
P2P
P2P Our customers Wireless operators
P2P
A2P Our customers Enterprises, content providers
What we sell Global inter‐carrier Gl b l i t i What we sell Wh t ll SMS/MMS exchange to Global SMS, MMS, PSMS aggregation to route messages among deliver messages to operators nearly any network Our position Our position World leader with Only truly global nearly 50% of the provider of A2P global market Largest network with Largest network with messaging services messaging services 700 operators and 80% with reach to 700 of subscribers operators
P2P
mCommerce
Mobile Advertisingg
Our customers Banks, credit cards, payments systems
Our customers Enterprises, content providers
What we sell Wh t ll Global mBanking and mPayment solutions
Our customers Advertisers
Our position Only company with the technology, infrastructure and FSI experience to provide a complete global m‐ a complete, global m‐ Commerce solution
What we sell Wh t ll Ad impressions, hosting and creative services Our position O iti A pioneer and leader in mobile advertising since 1998, with over 2,000 mobile campaigns mobile campaigns delivered to 400 global brands
Mobile Monday Italy
mBanking – The time is right mBanking 365 Seminar 2008
The number of people accessing banking services via their mobile banking services via their mobile phones is set to soar to 816 million by 2011 ‐ a ten fold increase on 2007 Juniper Research
Analysts A l Bullish
26% of UK customers ‐ around 14 million adults ‐ now bank online. In the US 33% of customers ‐ the equivalent of 71 million people ‐ regularly use Web banking services. comScore, April 2008
2/3rd of customers surveyed said they would be interested i in mobile banking services if bil b ki i if offered Sybase 2007 Survey
Customers I t Interested t d
Banks Implementing
First Direct: SMS First Direct: SMS RBS: Client Citi: SMS Citizens: SMS, Client, WAP
Mobile Monday Italy
mBanking: Key Players are primed mBanking 365 Seminar 2008
Customers Users now comfortable with richer services Customers used to paying for value
Telcos Smarter Devices Faster Networks Flat Rate Plans and Bundles
Banks Gen Y customer expects mobile Can reduce costs, generate revenue and provide differentiation Competitive Banks are offering it
Mobile Monday Italy
Sybase mBanking 365 Architecture mBanking 365 Seminar 2008
Mobile Monday Italy
Opportunities for the Bank mBanking 365 Seminar 2008
Service Extension Service Extension
Cost Savings g
Information Services Transaction Services Payments
Call centre balance requests Resolution Notifications vs. Printing Token replacements
Security for Internet Banking
Marketing
Mobile as 2FA device Alerts & Decisioning Al t & D i i i Fraud alerts
Customer Acquisition Customer Retention Customer Retention Customer Feedback Cross Selling
Mobile Monday Italy
How Banks leverage the mobile channel mBanking 365 Seminar 2008
Account Alerts Treasury Alerts Marketing PUSH campaigns Marketing 2 way campaigns Marketing 2‐way campaigns Call Center PIN delivery Card Services Credit Card Alerts Consumer & Commercial Banking 2FA PIN Disputes Resolutions Closures SMS Loan Process (2‐way) SMS to Call Centre ATM Search SMS WAP & Client mBanking SMS, WAP & Client mBanking
Mobile Monday Italy
Customer Adoption mBanking 365 Seminar 2008
Make Them Aware
Fraud Alerts
Make Them Interact
Make Them Transact
Make It Essential
Make It Transparent
Transfers
2FA via Mobile
P2P Payments
Location Based Mobile Only Offers
Remittance
P i Pay Panic P
Airtime TopTop ups
Time Critical Alerts (Brokerage)
Wave&Pay (NFC)
Balance
Bill Pay
Status Notifications
Ministatements
Actionable Alerts (Bill Pay Notifications)
Monetisation Opportunity
Mobile Monday Italy
Survey 2007: Awareness of mobile banking mBanking 365 Seminar 2008
26%
Awareness of mobile banking services is highest in Spain and Italy,
43%
Yes
38% 60%
Awareness is lowest in UK where only quarter think their bank offers this service and a staggering 69% do not know
55%
6% 7%
No
11% 3%
5%
69%
Don't know
50%
Germany
51%
France Spain
37%
Italy
40% 0%
20%
40%
UK
60%
80%
100%
Mobile Monday Italy
Mobile banking: current status 3. Do yyou p provide mobile banking g services to yyour customers at p present? mBanking 365 Seminar 2008
3. Do you provide mobile banking services to your customers at present?
34% 33%
No plans to offer
31% 37%
32% Plan to offer in next 12-24 months
53% % 22%
ALL US Europe Asia
20%
34% Offer Mobile Services
10% 47% 43%
0%
10%
20%
30%
40%
50%
60%
Mobile Monday Italy
mBanking 365 Seminar 2008
Mobile Monday Italy
mBanking 365 Seminar 2008
Mobile Monday Italy
Mobile Monday Italy
mBanking 365 Seminar 2008
MOBILE BANKING International trends and cases Klaus Jansen‐Knor EMEA Sales Director mCommerce
Mobile Monday Italy
In the news mBanking 365 Seminar 2008
Mobile Banking Mobile Banking ...Telefonica to launch Mobile Banking in Latin America... …TBC Bank to Pioneer Mobile Banking in Georgia…
Mobile Remittance ...Idea, Tata, Etisalat and HSBC launch mobile money transfer pilot…
Security …high street bank Abbey is the UK financial institution most targeted by phishing fraudsters, according to figures from anti‐spam outfit Clearmymail. In the first quarter of 2008 33% of all phishing e‐mails blocked by Clearmymail were targeting Abbey ‐ up from just six per cent in the fourth quarter of 2007. Citi was second in t e tab e a d t e ta get o 9 % o spa , o o ed by at est 6%, a a 8 5% the table and the target of 19.2% of spam, followed by Natwest 11.6%, Halifax 8.5% and PayPal 7.2%...
Mobile Monday Italy
Introducing Sybase 365 mBanking 365 Seminar 2008
Mobile 365 was acquired by Sybase in November 2006, creating a new division g called Sybase 365 Sybase 365 is the combination Sybase 365 is the combination of Mobile 365’s unrivaled global data network and Sybase’s world‐class enterprise solutions, ld l t i l ti creating the world’s foremost provider of messaging services and mobile enterprise software.
Sybase 365 is at the forefront of mobile interoperability messaging and the di ib i distribution of premium content and value‐ f i d l added services 22 local offices in countries around the world the world Mobile 365 named a Fortune “Top 25 Breakout Company” in 2005 High High standards of business integrity toward standards of business integrity toward our customers, partners, employees, and competitors
Mobile Monday Italy
Sybase 365 Business Segments mBanking 365 Seminar 2008
Core Businesses P2P
Emerging Businesses
P2P
P2P Our customers Wireless operators
P2P
A2P Our customers Enterprises, content providers
What we sell Global inter‐carrier Gl b l i t i What we sell Wh t ll SMS/MMS exchange to Global SMS, MMS, PSMS aggregation to route messages among deliver messages to operators nearly any network Our position Our position World leader with Only truly global nearly 50% of the provider of A2P global market Largest network with Largest network with messaging services messaging services 700 operators and 80% with reach to 700 of subscribers operators
P2P
mCommerce
Mobile Advertisingg
Our customers Banks, credit cards, payments systems
Our customers Enterprises, content providers
What we sell Wh t ll Global mBanking and mPayment solutions
Our customers Advertisers
Our position Only company with the technology, infrastructure and FSI experience to provide a complete global m‐ a complete, global m‐ Commerce solution
What we sell Wh t ll Ad impressions, hosting and creative services Our position O iti A pioneer and leader in mobile advertising since 1998, with over 2,000 mobile campaigns mobile campaigns delivered to 400 global brands
Mobile Monday Italy
mBanking – The time is right mBanking 365 Seminar 2008
The number of people accessing banking services via their mobile banking services via their mobile phones is set to soar to 816 million by 2011 ‐ a ten fold increase on 2007 Juniper Research
Analysts A l Bullish
26% of UK customers ‐ around 14 million adults ‐ now bank online. In the US 33% of customers ‐ the equivalent of 71 million people ‐ regularly use Web banking services. comScore, April 2008
2/3rd of customers surveyed said they would be interested i in mobile banking services if bil b ki i if offered Sybase 2007 Survey
Customers I t Interested t d
Banks Implementing
First Direct: SMS First Direct: SMS RBS: Client Citi: SMS Citizens: SMS, Client, WAP
Mobile Monday Italy
mBanking: Key Players are primed mBanking 365 Seminar 2008
Customers Users now comfortable with richer services Customers used to paying for value
Telcos Smarter Devices Faster Networks Flat Rate Plans and Bundles
Banks Gen Y customer expects mobile Can reduce costs, generate revenue and provide differentiation Competitive Banks are offering it
Mobile Monday Italy
Sybase mBanking 365 Architecture mBanking 365 Seminar 2008
Mobile Monday Italy
Opportunities for the Bank mBanking 365 Seminar 2008
Service Extension Service Extension
Cost Savings g
Information Services Transaction Services Payments
Call centre balance requests Resolution Notifications vs. Printing Token replacements
Security for Internet Banking
Marketing
Mobile as 2FA device Alerts & Decisioning Al t & D i i i Fraud alerts
Customer Acquisition Customer Retention Customer Retention Customer Feedback Cross Selling
Mobile Monday Italy
How Banks leverage the mobile channel mBanking 365 Seminar 2008
Account Alerts Treasury Alerts Marketing PUSH campaigns Marketing 2 way campaigns Marketing 2‐way campaigns Call Center PIN delivery Card Services Credit Card Alerts Consumer & Commercial Banking 2FA PIN Disputes Resolutions Closures SMS Loan Process (2‐way) SMS to Call Centre ATM Search SMS WAP & Client mBanking SMS, WAP & Client mBanking
Mobile Monday Italy
Customer Adoption mBanking 365 Seminar 2008
Make Them Aware
Fraud Alerts
Make Them Interact
Make Them Transact
Make It Essential
Make It Transparent
Transfers
2FA via Mobile
P2P Payments
Location Based Mobile Only Offers
Remittance
P i Pay Panic P
Airtime TopTop ups
Time Critical Alerts (Brokerage)
Wave&Pay (NFC)
Balance
Bill Pay
Status Notifications
Ministatements
Actionable Alerts (Bill Pay Notifications)
Monetisation Opportunity
Mobile Monday Italy
Survey 2007: Awareness of mobile banking mBanking 365 Seminar 2008
26%
Awareness of mobile banking services is highest in Spain and Italy,
43%
Yes
38% 60%
Awareness is lowest in UK where only quarter think their bank offers this service and a staggering 69% do not know
55%
6% 7%
No
11% 3%
5%
69%
Don't know
50%
Germany
51%
France Spain
37%
Italy
40% 0%
20%
40%
UK
60%
80%
100%
Mobile Monday Italy
Mobile banking: current status 3. Do yyou p provide mobile banking g services to yyour customers at p present? mBanking 365 Seminar 2008
3. Do you provide mobile banking services to your customers at present?
34% 33%
No plans to offer
31% 37%
32% Plan to offer in next 12-24 months
53% % 22%
ALL US Europe Asia
20%
34% Offer Mobile Services
10% 47% 43%
0%
10%
20%
30%
40%
50%
60%
Mobile Monday Italy
mBanking 365 Seminar 2008
Mobile Monday Italy
mBanking 365 Seminar 2008
Mobile Monday Italy
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