efinancials 2011 - peter-jan van de venn - conquaestor
TRANSCRIPT
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Advice: get it yourself or be
advised
Advice: get it yourself or be
advised
Emerce eFinancials 2011
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Introductionhttp://www.youtube.com/watch?v=pD-t9gQSbjU&feature=feedu
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• Peter-Jan van de Venn, Managing Consultant
• Today: Advice, get it yourself or be advised
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Google generation
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Key topics
“Power to the consumer in financial advice”
•Do it yourself advice (financial / product advice)
•Online and mobile access to face-to-face advice
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•Customers are getting more and more self directed
•Customers expect more tooling from their banks and and/or advisors
• Tooling is getting more sophisticated
• Provision regulation is changing: transparency will lead to pressure on advisors
•Customers will move to getting their own advice
Advise yourself
Future: advisors will become confirmers
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Get it yourself advice
Manage your finance
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Personal finance
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Personal finance
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Personal finance
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Personal finance
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Personal finance +
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Mobile personal finance
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PNC Virtual Wallet
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Look forward
Virtual Wallet money calendar
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Manage your money
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Bill reminder
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Protect
social media & datamining to identify suspicious transactions
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Bill Guard http://www.youtube.com/watch?v=7RoOvOO3NpA
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Protect
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Protect
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• Tooling to get insight and analyze your financial situation is getting more sophisticated
• Tooling is moving to the retail market
•Consumers will get more insight and control over their financial situation
Wrap up
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Get it yourself advice
Product advice
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Dutch banks
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Independer
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Mortgage advice
3 criteria to check lowest interest rates
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Additional data
...but I was promised the lowest rate
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Quality & client rating
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Get the best advisor
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Get the best advisor
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Google advisor
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Google advisor http://www.youtube.com/watch?v=XBicXcJkra4&autoplay=1&rel=0
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Social opinion
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‘Matching’ site
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Short
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Social
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Match
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Social Trading
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Social Trading 2
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Advice yourself
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Advice yourself
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Travelling
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Ratings
...create trust by showing external ratings of their own products
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If Ikea can do it…
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Advice yourself
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Advice yourself
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Online “face to face” advice
...be advised
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Chat
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Chat
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Live chat
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Live chat
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Live chat
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Virtual office
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Virtual office
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Virtual office
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Virtual office
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Virtual office
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Virtual office
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Virtual office
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Virtual branch
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Give permission
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Pick a banker
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Live chat
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Just answer
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Search your advisor
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Search your advisor
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Search your advisor
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• Tooling for get it yourself advice will become available and commonly used
•Mix of technological possibilities, limits of duty of care and customer trust
• Face-to-face advice will always be needed
• Specific target groups
•Confirmer function
Take away
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Advice: get it yourself or be
advised
Advice: get it yourself or be
advised
Emerce eFinancials 2011
More info: www.conquaestor.nl