For 10 years, the Jasmin Innovation Monitor philosophy is to observe the innovations and tendencies of the whole Services sector and analyze it as soon as a positive or negative signal interferes with the Financial Services sector. On that base, the Jasmin analysts produce and animate different types of analysis delivered with varying rhythms, some very operational, some others more Trends oriented, different services to share views but also facilitate the Innovation topic management within your company.

1. New trends for financial
services in 2012
(Extract from 2012 top 50 innovations, a Jasmin report

2.  Founded in 2001 in Bordeaux, France
 A strong track record in the Financial Services industry
 Produces operational reports on market and leaders drivers …
 … but also specifically monitors focused on Innovation in FS
 Working mainly with European companies but also north American and north
African ones (120 at the end of 2012)
 15 financial services industry specialists
 Strategic Marketing oriented

3. Branches restore their beauty
 Using the latest relationship centric technologies in the bank to
improve the customer experience.
 Using customers’ understanding tools and shorter subscription
processes to maximize Front line financial advisors’ productivity as
well as satisfaction.
 Next challenge is to propagate these approaches
throughout dense outlet networks.

4. Customers are now connected
with brands
 Focusing loyalty approach on the relationship intensity :
1# relaying on the customers’ benefits customization
2# and on the exchange interactivity.
 Customer Knowledge Management is improved internally thanks to the
Data Base optimization but also through the network feedback.
 Customers now lead the game
1# they choose where and when to interact with brands
2# but also if they wanna share content with peers to become true
fans.

5. Social networks are everywhere
 Distribution channels now clearly
integrate social networks through most
banking features.
 Social networks as the preferred
channel for some fullweb banks to
humanize exchanges and gain
interactivity.

6. Personal Finance Management
everywhere, for everyone !
 PFM tools are finally positioned at the heart of financial players
service offerings but also independent technology companies.
 Softwares become more entertaining. They’re of course present on
mobile phones first but also on unexpected channels like ATMs.

7. Back to human with remote
Customer Relationship
 To reinforce customer relationship management, financial companies are up to
facilitate access for each remote channel through new technologies.
 Fully interactive and ultra-personalized features are displayed, providing a
unique experience to exchanges between customers and virtual platforms.

8. P2P now concerns
all financial products
 At first strictly limited to credit, P2P invests today all
distribution channels and any financial products.
 P2P concerns now the full range of services and the huge market
becomes now a target.

9. 2012 TOP 3 innovations in
financial services
BANK 3.0
Thanks to a disruptive model compared to traditional banks and coing
to combining perfectly new social media with next generation
communication technologies, 100% online Alior Sync bank took the
first place of the 2012 top 50 innovations in financial services.
100% MOBILE ACCOUNT OPENING
Bank of New Zealand stood out this year and ranks second. It is
known as one of the first banks on a world scale to offer a 100%
mobile account opening service. It has also created thereby a new
independent and integrated distribution channel.
VIRTUAL BANKING VOCAL ASSISTANT
The BBVA Compass’ virtual vocal assistant reaches the third step of
the podium. It is skilled to answer all customers requests thanks to
language analysis technologies and substitutes itself to human
intervention in many fields.

10. The next 4 trends
•Communication
campaigns will be
personalized thanks to
interactive tools
(augmented reality,
facial recognition).
•Authentification
technologies will be
generalized
(biometrics, e-
signature, imaging,
RFID, QR codes).
•Mobile apps will be more
complete to tend toward
fully remote products
subscription.
•New channels will
confirm their expansion
(social networks,
tablets, connected TVs).
Multiplication
of
distribution
channels
More and more
complete
mobile apps
Interactive
digital
communication
Enhanced
security

11. New trends for financial
services in 2012
(Extract from 2012 top 50 innovations, a Jasmin report