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HOW TO SURVIVE WHEN THE FUTURE OF
BANKING IS DIGITAL
©	
  Radical	
  Company	
  2013	
  
©radicalcompany.com
JUNE 2013
COM
PAN
Y
RADICAL
2	
  ©	
  2013	
  RADICAL	
  COMPANY	
  LTD	
  |	
  PRIVATE	
  &	
  CONFIDENTIAL	
  |	
  	
  
3	
  
THE FUTURE OF DIGITAL BANKING
LIFETIME VALUE & WEALTH CREATION
THE FUTURE
PRODUCTS
DATA
PERSONALISATION
SOCIAL
EDUCATION
SHARING
MEDIUM
ENGAGEMENT
GAMIFICATION
BIG DATA
MICRODATA
ANALYTICS
EXPERIENCE
PRODUCTS
SEGMENTS
TECHNOLOGY COLLABORATIONINNOVATION AND
BEYOND NOW
NEW TOOLS PAYMENT SYSTEMS
CUSTOMER
CHANNEL
LEGACY
INTERNAL STRUCTURES
LEGACY FREE
IT INFRASTRUCTURE
OUTSOURCING
THE CLOUD
SECURITY ISSUES
CONNECTIVITY
CUSTOMER SERVICE
BRANCH
ONLINE
ENGAGEMENT
MOBILE
DASHBOARDS DIAGNOSTICSEDUCATION BUNDLING
RETAIL
BUSINESS
WEALTH
COMPLIMENTARY
NEW SERVICES
FUNCTIONALITY
TABLET
P2P TRANSACTIONS
GEOLOCATION
WALLET
©	
  2013	
  RADICAL	
  COMPANY	
  LTD	
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  CONFIDENTIAL	
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4	
  PHOTOGRAPHY	
  ©	
  2006	
  VALARIE	
  (FLICKR)	
  	
  
FINANCIAL SERVICES BRANDS
NEED THE RED QUEEN TO SURVIVE
©	
  2013	
  RADICAL	
  COMPANY	
  LTD	
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  CONFIDENTIAL	
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5	
  
IT TAKES ALL THE RUNNING YOU CAN DO,
TO KEEP IN THE SAME PLACE
©	
  2013	
  RADICAL	
  COMPANY	
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6	
  PHOTOGRAPHY	
  ©	
  20O5	
  TOBIAS	
  MUNICH	
  (FLICKR)	
   ©	
  2013	
  RADICAL	
  COMPANY	
  LTD	
  |	
  PRIVATE	
  &	
  CONFIDENTIAL	
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SO INNOVATION NEEDS SPEED.
WE BELIEVE IN THE POWER OF MUTATION WHERE LOTS
OF LITTLE CHANGES HAPPENING FAST LEAD TO
SUSTAINED COMPETITIVE ADVANTAGE
7	
  ©	
  2013	
  RADICAL	
  COMPANY	
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“IF STANDARDISATION IS ONE WAY TO MAKE
FINANCIAL INNOVATIONS CATCH ON, MUTATIONS
IS ANOTHER. BY EXPERIMENTING FURIOUSLY WITH
NEW PRODUCTS, THE INDUSTRY CAN HIT ON
ITERATIONS THAT WORK.”
Economist Intelligence Unit
8	
  ©	
  2013	
  RADICAL	
  COMPANY	
  LTD	
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  PRIVATE	
  &	
  CONFIDENTIAL	
  |	
  	
  
UNDERLYING ALL DIGITAL BANKING IS THE NEED TO
ENGAGE YOUR CUSTOMERS BETTER THAN YOU DO AT
THE MOMENT, TO CREATE HIGHLY PERSONAL
EXPERIENCES - NOT ONE SIZE FITS ALL - AND TO BUILD
TRUE LIFETIME VALUE.
SO LET’S START WHEN THEY’RE YOUNG..
9	
  
THE WORLD’S FIRST DIGITAL MONEY BOX THAT ALLOWS KIDS
AND FAMILIES TO SAVE, EARN & LEARN IN A SINGLE PLACE
In 20 seconds any child or adult can set up a money box to store the money
that they deposit and/or earn. Every customer will get a family friendly
cashback zone so they can recoup money from their families online spend.
Every customer will earn badges and/or money to encourage and reward
great money behaviours.
©	
  2013	
  RADICAL	
  COMPANY	
  LTD	
  |	
  PRIVATE	
  &	
  CONFIDENTIAL	
  |	
  	
  
10	
  ©	
  2013	
  RADICAL	
  COMPANY	
  LTD	
  |	
  PRIVATE	
  &	
  CONFIDENTIAL	
  |	
  	
  
Raise £500K from seasoned
angels who have backed our
vision for Join SAM
www.joinsam.com launches
Child & adult registration
Family cash back service
Withdrawal funds
Behavior awards
Saving wish list
Customer support
Raising £1.5m in 2 tranches (milestone based)
£500K £1M
Deposit funds
Card issuance for ATM
Social contribution against wish list
Retail offers
Family unit account links
Platform optimisation & service evolution
Marketing - PR / initiative testing Marketing - Full programme
ESTABLISHED SOFT
LAUNCH
FULL
LAUNCH
YEAR 1
END
App version
Offline cash back
Family chores
EU pilot plan
US pilot plan
MAR
2012
JAN
2013
APR
2013
DEC
2013
£500K
TIMELINE!
11	
  ©	
  2013	
  RADICAL	
  COMPANY	
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JOIN SAM
Desktop web site interface
12	
  ©	
  2013	
  RADICAL	
  COMPANY	
  LTD	
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  PRIVATE	
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JOIN SAM
Social media
13	
  ©	
  2013	
  RADICAL	
  COMPANY	
  LTD	
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  PRIVATE	
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1. Standard Chartered - Mobile banking 2. Barclays - Geo-location rewards scheme 3. Barclays - Pingit
1
v
2 3
14	
  ©	
  2013	
  RADICAL	
  COMPANY	
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ASB!
Facebook virtual bank!
BARCLAYS
Features Store
15	
  ©	
  2013	
  RADICAL	
  COMPANY	
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16	
  ©	
  2013	
  RADICAL	
  COMPANY	
  LTD	
  |	
  PRIVATE	
  &	
  CONFIDENTIAL	
  |	
  	
  
MONEYDASHBOARD!
Money management!
17	
  ©	
  2013	
  RADICAL	
  COMPANY	
  LTD	
  |	
  PRIVATE	
  &	
  CONFIDENTIAL	
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STANDARD LIFE
Wealth app
18	
  ©	
  2013	
  RADICAL	
  COMPANY	
  LTD	
  |	
  PRIVATE	
  &	
  CONFIDENTIAL	
  |	
  	
  PHOTOGRAPHY	
  ©	
  2011	
  ADAM	
  TROMAN	
  (FLICKR)	
  
19	
  ©	
  2013	
  RADICAL	
  COMPANY	
  LTD	
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RADICAL
DISRUPTION
FACTORY
SOCIAL RESPONSIBILITY
COMMUNICATION
VALUE
NEW BANKING
SUPER LEAN
RESELLER
POERTABLE
GRAPHIC
REAL TIME T’S & C’S
SMS BANKING
CHECKERS
WEALTH MANAGEMENT
VIRTUAL CURRENCY
EXCHANGE
ONLINE
COUNCILLING
COMMUNITY
BANKING
SCHOOL
EDUCATION
LOCAL
HEROES
DIGITAL
INTERNSHIPS
LENDING
PAYMENTS
TOOLS
ALERTS AND WARNINGS
DECISION TREE APPS
DASHBOARDS
BUDGET BUILDERS - REAL TIME
FINANCIAL HISTORY
MICRO
PERR TO PEER
FACTORING
TWITTER
DIGITAL IOUs
INCLUSIVE
NEW VIRTUAL CURRENCY
E-COMMERCE INTEGRATION
D-WALLETS
FUTURE DISRUPTIONS
20	
  
“We want more than just a digital agency – we want partners to
help shape and deliver our digital innovation agenda across all
our customer touch-points. Radical enable us to respond to
market changes, develop innovative new experiences for our
global customer base and get new ideas to market in weeks, not
months and years.”
Juan Saenz de Santa Maria, Global Director – Retail Banking
©	
  2013	
  RADICAL	
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  PRIVATE	
  &	
  CONFIDENTIAL	
  |	
  	
  
21	
  ©	
  Radical	
  Company	
  2013	
  
THANK YOU
graham.thomas@radicalcompany.com
+44 (0) 7795 687 179
Download this presentation
www.radicalcompany.com/DOWNLOADS/DIGITALBANKING/surviving_future_digital_banking.pdf.zip

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The Future of Digital Banking

  • 1. HOW TO SURVIVE WHEN THE FUTURE OF BANKING IS DIGITAL ©  Radical  Company  2013   ©radicalcompany.com JUNE 2013 COM PAN Y RADICAL
  • 2. 2  ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |    
  • 3. 3   THE FUTURE OF DIGITAL BANKING LIFETIME VALUE & WEALTH CREATION THE FUTURE PRODUCTS DATA PERSONALISATION SOCIAL EDUCATION SHARING MEDIUM ENGAGEMENT GAMIFICATION BIG DATA MICRODATA ANALYTICS EXPERIENCE PRODUCTS SEGMENTS TECHNOLOGY COLLABORATIONINNOVATION AND BEYOND NOW NEW TOOLS PAYMENT SYSTEMS CUSTOMER CHANNEL LEGACY INTERNAL STRUCTURES LEGACY FREE IT INFRASTRUCTURE OUTSOURCING THE CLOUD SECURITY ISSUES CONNECTIVITY CUSTOMER SERVICE BRANCH ONLINE ENGAGEMENT MOBILE DASHBOARDS DIAGNOSTICSEDUCATION BUNDLING RETAIL BUSINESS WEALTH COMPLIMENTARY NEW SERVICES FUNCTIONALITY TABLET P2P TRANSACTIONS GEOLOCATION WALLET ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |    
  • 4. 4  PHOTOGRAPHY  ©  2006  VALARIE  (FLICKR)     FINANCIAL SERVICES BRANDS NEED THE RED QUEEN TO SURVIVE ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |    
  • 5. 5   IT TAKES ALL THE RUNNING YOU CAN DO, TO KEEP IN THE SAME PLACE ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |    
  • 6. 6  PHOTOGRAPHY  ©  20O5  TOBIAS  MUNICH  (FLICKR)   ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |     SO INNOVATION NEEDS SPEED. WE BELIEVE IN THE POWER OF MUTATION WHERE LOTS OF LITTLE CHANGES HAPPENING FAST LEAD TO SUSTAINED COMPETITIVE ADVANTAGE
  • 7. 7  ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |     “IF STANDARDISATION IS ONE WAY TO MAKE FINANCIAL INNOVATIONS CATCH ON, MUTATIONS IS ANOTHER. BY EXPERIMENTING FURIOUSLY WITH NEW PRODUCTS, THE INDUSTRY CAN HIT ON ITERATIONS THAT WORK.” Economist Intelligence Unit
  • 8. 8  ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |     UNDERLYING ALL DIGITAL BANKING IS THE NEED TO ENGAGE YOUR CUSTOMERS BETTER THAN YOU DO AT THE MOMENT, TO CREATE HIGHLY PERSONAL EXPERIENCES - NOT ONE SIZE FITS ALL - AND TO BUILD TRUE LIFETIME VALUE. SO LET’S START WHEN THEY’RE YOUNG..
  • 9. 9   THE WORLD’S FIRST DIGITAL MONEY BOX THAT ALLOWS KIDS AND FAMILIES TO SAVE, EARN & LEARN IN A SINGLE PLACE In 20 seconds any child or adult can set up a money box to store the money that they deposit and/or earn. Every customer will get a family friendly cashback zone so they can recoup money from their families online spend. Every customer will earn badges and/or money to encourage and reward great money behaviours. ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |    
  • 10. 10  ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |     Raise £500K from seasoned angels who have backed our vision for Join SAM www.joinsam.com launches Child & adult registration Family cash back service Withdrawal funds Behavior awards Saving wish list Customer support Raising £1.5m in 2 tranches (milestone based) £500K £1M Deposit funds Card issuance for ATM Social contribution against wish list Retail offers Family unit account links Platform optimisation & service evolution Marketing - PR / initiative testing Marketing - Full programme ESTABLISHED SOFT LAUNCH FULL LAUNCH YEAR 1 END App version Offline cash back Family chores EU pilot plan US pilot plan MAR 2012 JAN 2013 APR 2013 DEC 2013 £500K TIMELINE!
  • 11. 11  ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |     JOIN SAM Desktop web site interface
  • 12. 12  ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |     JOIN SAM Social media
  • 13. 13  ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |     1. Standard Chartered - Mobile banking 2. Barclays - Geo-location rewards scheme 3. Barclays - Pingit 1 v 2 3
  • 14. 14  ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |     ASB! Facebook virtual bank!
  • 15. BARCLAYS Features Store 15  ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |    
  • 16. 16  ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |     MONEYDASHBOARD! Money management!
  • 17. 17  ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |     STANDARD LIFE Wealth app
  • 18. 18  ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |    PHOTOGRAPHY  ©  2011  ADAM  TROMAN  (FLICKR)  
  • 19. 19  ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |     RADICAL DISRUPTION FACTORY SOCIAL RESPONSIBILITY COMMUNICATION VALUE NEW BANKING SUPER LEAN RESELLER POERTABLE GRAPHIC REAL TIME T’S & C’S SMS BANKING CHECKERS WEALTH MANAGEMENT VIRTUAL CURRENCY EXCHANGE ONLINE COUNCILLING COMMUNITY BANKING SCHOOL EDUCATION LOCAL HEROES DIGITAL INTERNSHIPS LENDING PAYMENTS TOOLS ALERTS AND WARNINGS DECISION TREE APPS DASHBOARDS BUDGET BUILDERS - REAL TIME FINANCIAL HISTORY MICRO PERR TO PEER FACTORING TWITTER DIGITAL IOUs INCLUSIVE NEW VIRTUAL CURRENCY E-COMMERCE INTEGRATION D-WALLETS FUTURE DISRUPTIONS
  • 20. 20   “We want more than just a digital agency – we want partners to help shape and deliver our digital innovation agenda across all our customer touch-points. Radical enable us to respond to market changes, develop innovative new experiences for our global customer base and get new ideas to market in weeks, not months and years.” Juan Saenz de Santa Maria, Global Director – Retail Banking ©  2013  RADICAL  COMPANY  LTD  |  PRIVATE  &  CONFIDENTIAL  |    
  • 21. 21  ©  Radical  Company  2013   THANK YOU graham.thomas@radicalcompany.com +44 (0) 7795 687 179 Download this presentation www.radicalcompany.com/DOWNLOADS/DIGITALBANKING/surviving_future_digital_banking.pdf.zip