Digital banking & Innovative payments
Technologies & Trends to explore
Big M of modern
banking
• Mobile world
• Mobile service channel
• Mobile apps
• Mobile wallets
• Mobile payments
• Mobile commerce
• Mobile money transfer
Mobile = opportunity
Advantages of mobile
• Involvement of clients
– Always connected/ always with mobile
– Every day tasks support
• Hardware technologies
– Cross platform service support
– Hard/soft capabilities (geo, different types of tech connectivity, interfaces support)
• Eco system & services support
– Different services required payments
– Different services sensitive to targeting and customization
Areas to explore
New shape of customers finance behavior: user experience, usability, access, low barriers
• Instant P2P payments and money transfer
• P2P money transfer without bank details
• Incoming bill payments on-line
• One click transactions
• Scheduled transactions to 3rd party services with accounts integration
• Targeting in service offers
• NFC virtual cards and contactless payments
• Advanced reporting & PFM/PFP
• Multi card management
All you need is…
swipe… Instant P2P payments and money
transfer
Case: Standard Chartered Bank,
Singapore
or bump…
Case: Qiwi, Alpha Bank
P2P transactions with mobile/ e-mail/ socila
indentification
No bank detail for recipients
Case: Rocket Bank, Paym, TCS Wallet
NFC: virtual cards, wallets,
contactless payments
Multi card with no plastic
Case: Tinkoff NFC Wallet
M1/ DBS Bank
Apple
MCX (CurrentC)
Scheduled transactions to 3rd party services
with accounts integration
Live balances from 3rd party service accounts for
payments planning
Case: PayStore
Reporting, planning & PFM
Finance planning, report management & traction
Case: Mint, CoinKeeper
Multi card management
Other banks cards
management
Case: Ondot, Apple
New security level
Case: Apple
And it’s only beginning
Alexey Maklakov [email protected] https://www.facebook.com/morethanbank