Contenu connexe Similaire à American Banker Conference Presentation June 2012: Harnessing mobile banking (20) American Banker Conference Presentation June 2012: Harnessing mobile banking1. Charles Herel
Director, Financial Services Product Marketing
charles.herel@kony.com
+1.978.443.5826
Harnessing the Power of Mobile
Financial Applications
2. Kony provides Mobile Platform & Apps for:
AUTOMOTIVE/ENERG BANKING INSURANCE/BROKERAGE HEALTHCARE/PHARMA TRAVEL/HOSPITALIT
Y Y
Copyright © 2012 Kony Solutions, Inc. 2 2
3. Agenda
Mobile Market Growth
Table Stakes for Mobile Banking
Leveraging the Device
Feature Rich Content
Stunning UX
Multi-Channel
Power of Mobility
Go to Market Approaches
Q&A / Discussion
Copyright © 2012 Kony Solutions, Inc. 3 3
4. Personalization of Mobile Devices
Mobile - the Channel of Choice
The Smart Phone has become an extension of the Individual
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5. Mobile Banking is Table Stakes
• Growth is running at 20% per quarter now
• Conservatively assumes grow slows by 1% each quarter
Copyright © 2012 Kony Solutions, Inc. 5 5
7. 2012 Mobile Usage – Apps overtake web
Yet User still dictates the experience
Mobile Web Native Apps
49% 51%
7 7
Copyright © 2012 Kony Solutions, Inc. Source: KONY Hosting 7
8. 2011 Smartphone OS Share
iOS
RIM
23% 19% Android
Windows
Other
6% 13%
39%
8
Copyright © 2012 Kony Solutions, Inc. Source: Gartner 8
9. 2012 Smartphone OS Share
iOS
RIM
9% 19% Android
11% Windows
Other
12%
49%
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Source: Gartner
11. Tablet Share
iOS
Blackberry
4% Android
Other
33%
60%
3%
Copyright © 2012 Kony Solutions, Inc. Source: comScore 11 11
12. About Tablets….
Financial Services Uses How tablets are used
PFM Consuming content
Brokerage Limited typing
Wealth More interactive, gestures
Customer facing Longer sessions
employees Higher net worth, so far
branch Charts, Graphs, Tables
private bankers
Video
brokers/sales
execs
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12 12
13. Mobile Chaos 2005 to 2011
2005 2006 2007 2008 2009 2010 2011
Android WebKit w/
Traditional Web
WAP 1.2 WAP 2.0 iPhone WebKit WebKit Javascript Mobile HTML5
Mobile &
HTML 4
Flash, Ajax, CSS Dojo,
HTML 3.2 Windows CE CSS 3.0 HTML 5
HTML 3 jQuery, MochiKit, Prototype, YUI
1.0 2.0 2.2 2.3 3.0
1.0 2.0 2.2 3.0 4.0 5.0
Mobile Operating
Systems
4.0 4.1 4.2 4.3 4.5 4.7 5.0 6.0 7.0
Foundation
Foundation One Two MeeGo
9.1 9.2 9.3 9.4 9.5
5.0 6.0 6.1 6.5 7.0 8.0
BlackBerry PlayBook
Windows CE Samsung Gloria
Tablets
Windows XP Apple Dell Samsung Motorola Stingray
Embedded iPad Creative Ziio
Streak Galaxy Tab Lenovo LePad
Copyright © 2012 Kony Solutions, Inc. Source: Gartner 13 13
14. Native Device Variations
iPhone Calendar Android Calendar Blackberry Windows Mobile
Widget Widget Calendar Widget Calendar Widget iPad Calendar Widget
Tab UI paradigm variations Text fields (RIM, Java ME)
Interface: Touch v. Trackball v. Push notification
feature phone 5-way button Device orientation
Calendar/Date controls Multitasking support
Localization support Development Language
Text fields (RIM, Java ME) Device variations
(Hardware, OS, Carrier)
Copyright © 2011 Kony Solutions, Inc. 14
15. How successful will my mobile app be?
Audience Size Device Coverage Promotion
Stunning Visual UX Useful Functionality Trust
Copyright © 2012 Kony Solutions, Inc. 15 15
16. Building Trust
FI Mobile Security Best Practices
Customer Education
Customer Notifications/Alerts
Layered Security
Data encryption
Privacy protection
Mask account numbers
Multi-factor authentication
Automatic session expiration
One-time Passwords
Off-line access
“Right” strategy is driven by the use case
Copyright © 2011 Kony Solutions, Inc.
17. The Banking Security Shift
User & Transaction
authentication
User authentication
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18. On-Boarding/Security/Push Notification
• Challenge Prompts to mitigate
risk; Offline customers;
• Start the on-boarding process
for new customers
• Use of Push to Notify
Customers of Access from New
Device
Copyright © 2012 Kony Solutions, Inc. 18 18 18
19. Enrollment Options
In-band Enrollment:
Scenario: user is allowed to login with
complete UserId and password, but once in
has the option of activating the app for use
with a Quick Account Access PIN.
Out-of-band Enrollment:
User must be enrolled through a secondary
means outside of the mobile. For example the
user logs into PC Banking and request
enrollment.
Enrollment Security:
Enrollment might include the generation of an
activation authorization code to be delivered
to the end user OOB
(Postal, email, SMS, Phone call).
Copyright © 2012 Kony Solutions, Inc. 19 19 19
19
22. Building Trust
Account Access Notification – via Push / SMS
“mph laptop” logged into your
Facebook account (Today @ at 7:54).
Copyright © 2012 Kony Solutions, Inc. 22 22
24. Retail Banking Minimum Functionality
Balances & Histories (All) Rates / FAQs / T&C’s
Check Images Check Re-Order
Transfers Add a Bill
Bill Pay Check Deposits
Branch / ATM Locators Multi-Lingual / Multi-currency
Copyright © 2012 Kony Solutions, Inc. 24 24
29. Other Uses of the Camera
Add a Payee
Login and Main Menu Select: Use Photograph Bill
Photo Bill Pay New Payee Found
Authenticate Select Pay Bill
Add the Payee
OR
Bill is Paid Expedite the Schedule the Add New Payee
Payment Payment
Copyright © 2012 Kony Solutions, Inc. 29 29 29
30. Other Uses of the Camera
Bill Payment
Login and Main Menu Select: Use Photograph Bill Existing Payee Found
Authenticate Select Pay Bill Photo Bill Pay
OR
Bill is Paid Expedite the Payment Schedule Payment
Copyright © 2012 Kony Solutions, Inc. 30 30 30
31. Camera / Customer Support
Another Process Example – Under Duress
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37. More Channels = More Customers
Reach all your Customers
iPhone Native iPhone Mobile Web iPhone Hybrid App iPhone Wrapper App Blackberry Native
on HTML5 (SPA)
Android Native Android Mobile Web Android Android iPad Native
on HTML5 (SPA) Hybrid App Wrapper App
Copyright © 2012 Kony Solutions, Inc. 37 37 37
39. P2P Payments – Integration w/Contacts
Copyright © 2012 Kony Solutions, Inc. 39 39
41. Mobile Data Visualization & Analytics
Highly Engaging
2D & 3D Charts on
iPhone, iPad, Android, A
ndroid Tablet:
• Line, area, histogram, s
tacked bar chart
• Circular
histogram, column
chart, static bar chart
• Interactive charts
• Animations
Copyright © 2012 Kony Solutions, Inc. 41
41 41
44. Deepening the Customer Relationship
Cross-selling New Products
Adoption driven by:
Revenue needs
High consumer trust
Branchless strategy
CEO focus on deepening
customer relationships
~12 month sales cycle
Copyright © 2012 Kony Solutions, Inc. SourceForrester, 2011: Solving the Cross-Sell Imperative, Brad Strothkamp 44 44
46. What’s next? - Streamlined Application Process
Copyright © 2012 Kony Solutions, Inc. 46 46
50. Enterprise App Store
End User Experience
A native application to manage app consumption, available on all platforms
Select and Launch
install app the app
Browse apps from Store Once the app is installed,
container and install an app simply click to launch
Copyright © 2012 Kony Solutions, Inc. 50 50
51. From Platform-centric to Multi-channel
Most Common Best Practice
BlackBerry OS
Application Application Application Application
X X X X
Browser Android
Windows Android iOS Etc.
Application
X
One per
Windows Andriod iOS
device OS X iOS
Windows
Copyright © 2011 Kony Solutions, Inc. Source: Gartner 51
52. Mobile App Considerations
HTML5, Hybrid and Native - Support all your customers
Select a unified mobile app platform for the design, development & deployment of HTML5 & native
apps and support what device your customers or employees use
Feature-Rich Apps with Stunning UX
Reduce your time to market and focus on reducing development cycles with apps are feature-
complete, configurable & extensible
Configurable, Extensible Apps with Universal Integration
Apps built on the a Platform take advantage of open standards, open architecture and unlimited
scope for expansion as your business expands
Comprehensive SLA
Apps are protected from mobile chaos with the industry’s most aggressive SLA covering you for
device & OS updates with rapid support
Services & Partners to Ensure Your Success
From managed services/hosting to professional development, support and knowledge transfer, look
for partners that can lock in successful mobile app development, deployment and management to
ensure your mobile architecture is flexible, scalable and responsive to your business
Copyright © 2012 Kony Solutions, Inc. 52 52 52
53. Thank You! Charles Herel
Director, Financial Services Product Marketing
charles.herel@kony.com
+1.978.443.5826
www.kony.com
Copyright © 2011 Kony Solutions, Inc. CONFIDENTIAL 53