mobile banking 2.0. remember this ? 1984 - nokia’s mobira talkman weighing just under 5 kg and one...

Mobile banking 2.0

Remember this ?

1984 - Nokia’s Mobira TalkmanWeighing just under 5 kg and one of the world’s first transportable phones (even if it you needed a car to carry and charge it) this model caused quite a stir. Many were skeptical, but sales boomed and the cynics were silenced.

1988 - Ericsson HotlinePure 80s brilliance, everything from the neon orange details down to the font. With a weight of 4 kg this is exactly the type of phone that would have been used by executive types in the 80s.

1989 Motorola MicroTACThe Motorola MicroTAC was a mobile phone first manufactured as an analog phone in 1989. The MicroTAC introduced an innovative new flip design, where the mouthpiece folded over the keypad. The model sold for between US$2,495 and US $3,495.

1993 - Communicator - BellSouth SimonWe are getting closer to a “modern” mobile phone as this just about fitted into one hand… granted, you needed particularly large hands. This was the first phone with PDA features

1998 - Nokia 5110One of the first phones to feature the game snake. It was also one of the first phones with a replaceable faceplate, allowing users to customize their mobile.

2002 - Blackberry 6230Phone, email, SMS, browser and organizer applications are all included in the BlackBerry 6230.

2007 - Apple iPhoneThe world's first multi touchscreen phone. Several hundred people camped outside the Apple store awaiting the release.

2007 - Nokia N95One of the most feature-filled phones to date,camera, GPS, Wifi, 3G, MP3 player, bluetooth, flash, RSS, Java, Tv out to name a few.

The dinosaur in porcelain store…

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SmarTel Sms / info

myBankingSim toolkit

Customers :40.000 myBanking 30.000 SmarTel

WHY : mobile banking was NOT

core business one stop shop user friendly

Is it different this time ?

2004200520062007200820092010

2011 ?

Is it different this time ? Customers going mobile : 4 MM

Mobile data connections vs. 3 MM fixed

38 13 4 2 2 1

Technology adoption : 50 MM users : years

2004200520062007200820092010

2011 ?

It is different this time !

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WHY : channel integration is core 0 stop shop user friendly

WHY : mobile banking was NOT

core business one stop shop user friendly

Smart Mobile Overview

User Experience

Quality

Public services

Banking services

Color-coding of relative

information

Placement of information

allows for easy scanning

Center of screen available for finger swipes

USABILITY

Icons to indicate information thus

gaining space

Colors to clearly display status and important

info while scanning

Expanding cells only if needed to

display more information

USABILITY

Usage of

native visual

controls

USABILITY

Quality – Native Design

Quality – Native Design

Quality – Native Design

Mobile Browser Mobile Application

Quality – Mobile Browsing

Thank you

radu.topliceanu@raiffeisen.ro+4021.306.141

Nikos.Konstantinidis@fiserv.com

+30 210 9313 348 ext 102