Knut Anders WangenHead of MobilePay Norway
Danske Bank
–a challenger and disruptive force in the
Norwegian market
2
Pope Johannnes Paul II - 2005
3
Pope Frans - 2013
4
Disruption & significant change in consumer
behavior
5
6
Business case dynamics in the payment
landscape are influenced from multiple sides
New technology
enabling new opportunities
(mobile, big data, cloud)
Consumers getting mobile, easy,
convenient, and relevant
E-Commerce
exploding from 75bn to 150bn in the next 5 years
New digital
entrants fighting for customer interface, e.g., Apple, Google,
Samsung, FB
Regulation, PSD2 opens up data to
everyone
7
Significant change in consumer behaviour
- also for us as a bank…
An average customer meets with his advisor every 5th year
An average customer gives us a call twice a year
An average online banking customer logs-on once a week
A mobile banking customer logs-on every second banking day
8
We need to create exceptional customer experience
9
And disruption and digitalisation is a key driver
10
Dual track strategy…
Future Bank
(evolution)
Disruption
(revolution)
11
MobilePay in Norway
12
MobilePay fun facts
Danmark:
MobilePay er den
3. mest brukteappen i Danmark
50 % av alle reiser med DSB betales med MobilePay
87% av alle kommuner bruker MobilePay
2,8 millioner
Aktive brukere
Norge:
•1200 butikker oppe ila Q1• Betaling i Ruter sin APP (1 mill brukere)• MobilePay Online kommer
13
MobilePay family
MobilePay Appswitch
MobilePay Point of Sale
MobilePay Kvitteringer
MobilePay Online
MobilePay Loyalty
14
What next?
15