mobile and online integration

RISE OF THE MULTI-SCREENERSDesktop, Laptop, Tablet, or Smartphone? It Shouldn’t Matter…

Stephen BohanonAlkami TechnologyFounder, Chief Strategy & Sales Officer

What is “Mobile First” ?

Mobile first is an approach to business process and technology that assumes smartphones, tablets and task-specific apps are the primary tools for getting work done.

Multi-Screeners vs. Mobile First

90% own a Smartphone

30% own a Tablet

The number of desktop-only consumers dropped below mobile users for the first time in 2014.

It’s True…“Desktop-Only” is Dying

Desktop still leads…why?

Lack of functional parity on Mobile• Statements• Stop Pay• Check Re-order• Applications• PFM• Message Center

– Cumbersome to type on mobile

Screen Real Estate• Consumers choose the best screen for the function

– Easier to scan a 15” screen with your eyes then thumb through 4+ pages on mobile

Total Logins: Desktop & Mobile Available

68%

32%

Desktop

Mobile

“Rumors of my death have been greatly exaggerated.”

Consumers prefer mobile for it’s convenience while “on the go”, but given the choice, the BIGGEST SCREEN RULES!!

Which screen do you prefer?

for editing photos

Which screen do you prefer?

for watching videos

Which screen do you prefer?

for shopping

Which screen do you prefer?

for sports

Samsung unveils 110” HDTV

Consider this…

The same company investing heavily in tablets, smartphones and wearables- just launched the world’s largest TV.

But, what about Mobile First?

http://www.howtogeek.com/199483/tablets-arent-killing-laptops-but-smartphones-are-killing-tablets/ http://www.howtogeek.com/183381/are-pcs-dying-of-course-not-heres-why/

But, what about Mobile First? March 2012 – April 2015

Since 2012, the rapid adoption of the smartphone and tablet led to a sharp decline in % of page views owned by the desktop.

Desktop:92% to 65%

Tablet:0% to 9%

Smartphone:9% to 26%

But, what about Mobile First? March 2014 – April 2015

As mobile and tablet adoption has reached market saturation, device type access has normalized as consumers are now multi-screeners

Desktop:70% to 69%

Tablet:10% to 9%

Smartphone:22% to 24%

What then, if not Mobile First?

Device Agnostic

What is Device Agnostic? Device Agnosticism takes into account…

Technology environments:

• Various Operating Systems

• Hostile Browsers

• Slow Connection Speeds

• Tiny Screens

• Touch Inputs

The User’s Context:

• The amount of time they have/need

• The goal they want to accomplish

• Their location

• Their attitude and state of mind

+

Context Drives Device ChoiceMulti-Screeners own multiple devices and move seamlessly between them throughout the day

Source: Google, The New multi-screen world study

A Singular Digital Banking Platform

For Digital Banking, Device Agnosticism Requires a Singular Platform

Desktop, Laptop, Tablet or Smartphone?...It shouldn’t matter

Typical CU Digital Banking Solution

Online Banking Mobile Banking

Desktop / Laptop

Mobile

Payments PFM Statements CardCore Business RDC

LegendShape = FunctionColor = User Experience

Separate Systems for Online and Mobile Banking

Typical CU Digital Banking Solution

Online Banking Mobile Banking

Desktop / Laptop

Mobile

Payments PFM Statements CardCore Business RDC

LegendShape = FunctionColor = User Experience

Separate Systems for Online and Mobile Banking:

• Disjointed User Experience• Disparate Functions Based

on Device• Splintered Roadmap

Singular Digital Banking Solution

Digital Banking Platform

Desktop / Laptop

Mobile

Payments PFM Statements CardCore Business RDC

LegendShape = FunctionColor = User Experience

Phase 1: UX and Functional Parity

Digital Banking Platform

Desktop / Laptop

Payments PFM Statements CardCore Business RDC

Mobile / Tablet

LegendShape = FunctionColor = User Experience

Phase 2: Expand Products and Services

Digital Banking Platform

Desktop / Laptop

Payments PFM Statements CardCore Business RDC

Credit Insurance Brokerage Card Services Wealth Mgmt. Account Opening

Mobile / Tablet

LegendShape = FunctionColor = User Experience

Integrated Bill Pay ExperienceBenefits of a Single Platform

Seamless, Intuitive User Experience• Familiar Design• Integrated Security• Consistent Personalization Settings

Effective Marketing• Target marketing to users regardless of

device• Marketing based on device access• Push Notifications

Functional Parity• Eliminates functional disparity based on

device, browser, etc.• No more “you have to use….. to do that”

Better Service• Employees have access to 360 view• Eliminates “Which browser? Which device?”• Co-browsing/View As User across channels

Integrated Bill Pay ExperienceExample: Intuitive Design

Zone 1

Zone 2

Zone 3

Example: Intuitive Design

Zone 1

Zone 2

Zone 3

Example: Intuitive Design

Example: Rewards Checking

Example: Mobile Card Controls

Example: Desktop Card Controls

Example: Marketing & Content

Q & A