The Future of Banking

•Download as PPTX, PDF•

0 likes•795 views

By Chris Skinner, Financial Services Club. Presented at Crowdsourcing Week Europe 2014. Join us at the next event: http://crowdsourcingweek.com/

Economy & Finance

Financial institutions were built for the physical
distribution of paper in a localized network
Financial institutions need to design for the digital
distribution of data in a globalized network

from Physical to Digital
from Channel to Access
from Product to Customer

RETAIL BANKING
PRIVATE BANKING
COMMERCIAL BANKING
TRANSACTION BANKING
INVESTMENT BANKING
INSURANCE

RETAIL BANKING
PRIVATE BANKING
COMMERCIAL BANKING
TRANSACTION BANKING
INVESTMENT BANKING
INSURANCE
* Foundation Capital, 2014

Revenues Expenses
October 2011
Launch of X.commerce API October 2011
Launch of X.commerce API
June 2013
Launch of mobile API June 2013
Launch of mobile API

RETAIL BANKING
PRIVATE BANKING
COMMERCIAL BANKING
TRANSACTION BANKING
INVESTMENT BANKING
INSURANCE
Every single smart computer
science person I’ve had look into it
has reached the same conclusion
— Blockchain is a fundamental
breakthrough in technology
“
Mark Andreessen ”
http://techcrunch.com/2014/02/12/marc-andreessen-tech-is-still-recovering-from-a-depression/

from Physical to Digital
= component-based finance
from Channel to Access
from Product to Customer

WEB/TABLET “SCREENS”
7–10 times
per month
CALL CENTRE, IVR & VOICE RESPONSE
BRANCH
5–10 times
per month
5–10 times
per month
ATM
3–5 times
per month
MOBILE
20–30 times
per month
2016
Digital interactions with
banks will outnumber
branch interactions 300 to 1

Barclays took 13 years to get two million
customers using internet banking.
It took just two months to reach
that number for mobile banking.
The average Barclays customer visits a
branch less than twice a month and uses the
mobile app 26 times a month

Only 5% of customer interaction in the banking
industry will be in branch by 2017
– BBVA

CHANNELS
Branch ATM/Kiosk Internet Call Center Mobile Direct sales Future
PRESENTATION LAYER
MULTICHANNEL LAYER
LEGACY LAYER

ACCESS
Branch ATM/Kiosk Internet Call Center Mobile Direct sales Future

from Physical to Digital
= component-based finance
from Channel to Access
= rearchitect the core
from Product to Customer

You need to be social because
that’s where your customers are.

Average Facebook user has 338 friends*
2,000 Likes = 676,000 Views
Average cost to gain a registration: €1.33
Average cost to gain a fully KYC processed customer: €16.70
* Pew Research

from Physical to Digital
= component-based finance
from Channel to Access
= rearchitect the core
from Product to Customer
= build communities

Viewers also liked

Exponential Medicine Conference Report_FINAL

Kristin Milburn

Exponential Medicine, de zorg en de vernieuwing alexander tolmeijer

DentivaNL

Santé zeeland XMED 2015

Arend Roos

Daniel Kraft - Evolution of Work - Convention Camp2012

Daniel Kraft

Hype vs. Reality: The AI Explainer

Luminary Labs

TEDx Manchester: AI & The Future of Work

Volker Hirsch

Viewers also liked (6)

Exponential Medicine Conference Report_FINAL

Exponential Medicine, de zorg en de vernieuwing alexander tolmeijer

Santé zeeland XMED 2015

Daniel Kraft - Evolution of Work - Convention Camp2012

Hype vs. Reality: The AI Explainer

TEDx Manchester: AI & The Future of Work

Similar to The Future of Banking

Early Stage Fintech Investment Thesis (Sept 2016)

Earnest Sweat

Impulse statement: Insights in the FinTech evolution

AECM European Association of Guarantee Institutions

American Banker Executive Summary - Digital Trust

Benjamin Wyrick

With the potential to create everything from new revenue opportunities, to increased customer acquisition to cost savings, mobile is changing the landscape of banking as we know it. The rollout of foundational mobile services is already yielding tremendous success, and by increasing security while keeping a keen eye on user experience, leading banks and financial services providers can offer more advanced mobile services, which will play a key role in their growth strategies. By broadening mobile banking offerings, financial institutions will be positioned to increase mobile transactions, shift transactions away from higher-cost channels, and retain and attract more customers. To be successful with mobile, VASCO understands that banks need to pay close attention to the security of mobile applications and consumers, without creating challenges for the user experience.

Increasing your mobile banking business

VASCO Data Security

Reimagine Banking in 2025: How Will IT Change the Way We Do Banking?

Ekaputra Sananto

Cloud Banking by Evgeniy Sen - ENG

Evgeniy Sen

ABA Innovation Infographic

Robert Morgan

The banking, insurance, financial service provider industry is being disrupted by entrepreneurs creating startups that raise millions of dollars with only one thing in mind: disrupt the status quo. How can such a fragmented, bureaucratic industry drive innovation in the 21st century? Tommaso, a serial entrepreneur with 2 exits, author, investor and faculty at UC Berkeley describes in his talk a path on how executives can lead to innovation changes. Watch Tommaso's Keynote live. Or hire him to speak: http://linktr.ee/tommasodibartolo

Corporate innovation in the financial industry, banking, insurance by tommaso...

Tommaso Di Bartolo

Exploring Fintech Solution Transformational Role the Digital Era Savings.pptx

Panamax, Inc

Mobile Commerce in the Age of Connected Devices

Swrve_Inc

Role of business analytics in digital banking

tenzindasel7

E-channels in banking

Nikolay Spasov

Designing A Better Bank

Matter Of Form | Brand Interactions Agency

Find out how Jenius Bank is leveraging data to reinvent its customers financial lives Recent research has shown that only 37% of organizations have a well-developed enterprise data strategy that enables high quality, data-driven, and personalized CX. During this session, Jenius Bank’s Head of Product, Andrew Harris will share their strategy on how they will use data and real-time customer communication technologies to enhance their customer’s experience, and truly change the dynamic of their customers financial lives. During this virtual event we will discuss: - The Benefits of Anytime, Anywhere Interactions - The value of Real-Time Communications as Part of an Omnichannel CX Strategy - How Jenius Bank Integrates Real-Time Engagement into their Customer Communication Strategy

Simpler, Smarter and Safer. How Banks are Driving the Next-Gen Customer Exper...

Precisely

The USAID-supported RBAP-MABS Program presented its Financial Education for Branchless Banking Project, an initiative implemented in partnership with MasterCard Foundation and Microfinance Opportunities. The presentation highlighted how the initiative is supporting rural banks’ mobile phone banking services rollout and how it facilitates the expansion of services to clients in areas that are hard-to-reach.

Leveraging mobile banking channels for client education

MABSIV

Blockchain in Corporate Banking: What’s Up?

mercatoradvisory

There is a fundamental shift occurring due to digital disruption in the financial services industry. Large banks are spending upwards of $500 million a year on mobile alone, global fintech investment grew 201% between 2013 and 2014 and up to half of the world’s banks will disappear through the cracks caused by digital. Accenture believes with all of these changes, combined with deleveraging and squeezed margins, 30 percent of traditional banking revenues will be at risk by 2020. Now the only way for financial institutions to grow is to increase share of wallet by providing extraordinary value to customers and beating the competition.

Traditional PFM Is Dead. Welcome to the New World of Digital Money Management

Accenture maximizing-revenue-growth-in-retail-banking

Rendy Djunaedi

Finance @ Google Belgium ABN AMRO Jessica Niewierra def handouts 27 06-18pptx

ABN AMRO

CUSTOMER SATISFACTION project report on axis baNK 12.pptx

PRASHANTJUNNARKAR

Similar to The Future of Banking (20)

Early Stage Fintech Investment Thesis (Sept 2016)

Impulse statement: Insights in the FinTech evolution

American Banker Executive Summary - Digital Trust

Increasing your mobile banking business

Reimagine Banking in 2025: How Will IT Change the Way We Do Banking?

Cloud Banking by Evgeniy Sen - ENG

ABA Innovation Infographic

Corporate innovation in the financial industry, banking, insurance by tommaso...

Exploring Fintech Solution Transformational Role the Digital Era Savings.pptx

Mobile Commerce in the Age of Connected Devices

Role of business analytics in digital banking

E-channels in banking

Designing A Better Bank

Simpler, Smarter and Safer. How Banks are Driving the Next-Gen Customer Exper...

Leveraging mobile banking channels for client education

Blockchain in Corporate Banking: What’s Up?

Traditional PFM Is Dead. Welcome to the New World of Digital Money Management

Accenture maximizing-revenue-growth-in-retail-banking

Finance @ Google Belgium ABN AMRO Jessica Niewierra def handouts 27 06-18pptx

CUSTOMER SATISFACTION project report on axis baNK 12.pptx

More from Crowdsourcing Week

Crowdsourcing à la sbv IMPROVER: the challenge of being your own client

Crowdsourcing Week

Transforming the Global Payments Operation

Crowdsourcing Week

Crowdsourced to Outsourced: How online platforms are shaping the future of work

Crowdsourcing Week

Malasya's Experience in Crowd Labour and Sharing Economy

Crowdsourcing Week

LM Industries: Harnessing The Power of Crowdsourced Innovation to Build the F...

Crowdsourcing Week

Human Collective Intelligence: the future of corporate innovation

Crowdsourcing Week

9 Ways to Ruin Your Open Innovation Challenge

Crowdsourcing Week

Disruptive Crowdsourcing

Crowdsourcing Week

Accelerating Hardware Development: Ideation and Engineering

Crowdsourcing Week

Attracting and Retaining Top Partners with a Best-in-Class Payments Experience

Crowdsourcing Week

Crowdsourcing Disaster Relief

Crowdsourcing Week

Core + Crowd: Why (and how) crowdsourcing is about to become mainstream

Crowdsourcing Week

Smart and Secure Cities and Communities

Crowdsourcing Week

Writing Interesting Questions is as much art as as science. Here are some 100%Open has written recently. How can we double the fun of the LEGO play experience? How can I wash my home, myself, or my clothes with a single cup of water? (Unilever) How can we enable all Detroiters to travel more easily, safely and reliably? (Ford) How can we empower investors and their advisers to consider the CO2 impact of their investment decisions? (UBS) How can we help people do good by using their mobile phone in 3 minutes or less? (EE) Our Interesting Question methodology (https://www.100open.com/toolkit_2/interesting-question/) ensure that questions are accessible, contagious and as inspiring to the Challenge Holder organisation as they are to the Innovator target group.

How Successful Crowdsourcing Depends on asking 'Interesting Questions'

Crowdsourcing Week

Creativity is critical to solving complex problems, developing new strategies, facilitating innovation, and driving organizational change. NIST’s Public Safety Communications Research Division’s open innovation efforts focuses on advancing wireless communications for America’s first responders by leveraging expertise and innovative solutions through crowdsourcing and collaboration. Success relies on creating competitions that achieve NIST’s organizational goals, incentivize world class science, remove barriers to entry, and maximize participation. Not an easy equation to balance. This session will discuss how design tradeoffs are considered for a variety of competition elements as concepts develop into a competition and as competitions are implemented. The goal of this interactive session is to provide a behind-the-scenes view of our process, engage audience ideas, and dive into a discussion about crowdsourcing and contestant-centered design.

Contestant Centered Design: creative approaches to designing competitions

Crowdsourcing Week

Ethan will talk about the opportunity to reward crowdsourcing participants through crypto assets/tokens that allows the possibility of performing many micro transactions, saving costs for both the business and the users. In addition, the topic of transparency coming from the blockchain sector where business are now becoming more open to have the public help with tough R&D questions that in the past would have been kept internal. The blockchain industry is in fact growing communities as their branding strategy from the start, and rely on transparency for their community to trust them. All in all, we are seeing the tools in the making to ignite crowdsourcing’s future potential within decentralized business models. Lastly, we will dive into current use case studies from crowdholding.com, on creating a crowd rewarding mechanism for both crowd intelligence and crowd marketing.

How Crypto can Monetize Crowdsourcing

Crowdsourcing Week

A New Report on the State of Open Innovation and What it Means For you

Crowdsourcing Week

Expert Operating System: Business On-Demand

Crowdsourcing Week

Crowdsourcing: Changing the Faces of Innovation at NASA

Crowdsourcing Week

Crowdfunding an ICO Without Getting In Trouble

Crowdsourcing Week

More from Crowdsourcing Week (20)

Crowdsourcing à la sbv IMPROVER: the challenge of being your own client

Transforming the Global Payments Operation

Crowdsourced to Outsourced: How online platforms are shaping the future of work

Malasya's Experience in Crowd Labour and Sharing Economy

LM Industries: Harnessing The Power of Crowdsourced Innovation to Build the F...

Human Collective Intelligence: the future of corporate innovation

9 Ways to Ruin Your Open Innovation Challenge

Disruptive Crowdsourcing

Accelerating Hardware Development: Ideation and Engineering

Attracting and Retaining Top Partners with a Best-in-Class Payments Experience

Crowdsourcing Disaster Relief

Core + Crowd: Why (and how) crowdsourcing is about to become mainstream

Smart and Secure Cities and Communities

How Successful Crowdsourcing Depends on asking 'Interesting Questions'

Contestant Centered Design: creative approaches to designing competitions

How Crypto can Monetize Crowdsourcing

A New Report on the State of Open Innovation and What it Means For you

Expert Operating System: Business On-Demand

Crowdsourcing: Changing the Faces of Innovation at NASA

Crowdfunding an ICO Without Getting In Trouble

Recently uploaded

Call Us – 83770 87607, Call girls in Kalkaji– We brings model Justdail Call girl service Delhi our agency offers young girl Oyo hotel book them now. The High class escort service Low rate with space. We are one of the leading our escort Agencies services. you will find that female escorts are full of Fun, sexy and they would love enjoy your company. we have a fantastic selection of escort ladies available for in-call as well as out-call. our escorts are not only beautiful but all have great personalities making them the perfect companion for any occasion. Call girls in Delhi, We offer all types of girls of your choice with space. Our escorts are fully cooperative and understand your needs. All types of call girls like Housewives, College girls, Russian girls, Muslim girls, Afghani girls, Bengali girls, Working girls, south Indian girls, Punjabi girls, etc. In-Call: – You Can Reach At Our Place in Delhi Our place Which Is Very Clean Hygienic 100% safe Accommodation. Out-Call: – Service for Out Call You have To Come Pick The Girl From My Place We Also Provide Door-Step Services Hygienic: – Full Ac Neat And Clean Rooms Available In Hotel 24 * 7 Hrs In Delhi Ncr

8377087607, Door Step Call Girls In Kalkaji (Locanto) 24/7 Available

dollysharma2066

Vip Call US 📞 7738631006 ✅Call Girls In Sakinaka ( Mumbai )

Pooja Nehwal

Welcome to call girls-📞9833754194 Poorbi Call Girls in Mumbai - the premier destination for high-class escorts. Our call girls are sure to provide you with an unforgettable experience. mumbai Call girls is the top rated call girls and escort service provider Models independent girls are available with real photos.Sexy Call Girls 9833754194 ★ SAFE AND SECURE HIGH CLASS SERVICE AFFORDABLE RATE ★ 100% SATISFACTION,UNLIMITED ENJOYMENT. ★ >> 03-05-2024 (GRV) ★ All Meetings are confidential and no information is provided to any one at any cost. ★ EXCLUSIVE PROFILes Are Safe and Consensual with Most Limits Respected ★ Service Available In: - HOME & HOTEL 24x7 :: 3 * 5 *7 *Star Hotel Service .In Call & Out call SeRvIcEs : ★ A-Level (5 star escort) ★ Strip-tease ★ BBBJ (Bareback Blowjob)Receive advanced sexual techniques in different mode make their life more pleasurable. ★ Spending time in hotel rooms ★ BJ (Blowjob Without a Condom) ★ Completion (Oral to completion) ★ Covered (Covered blowjob Without condom 100% SAFE AND SECURE 24 HOURS SERVICE AVAILABLE HOME AND HOTEL SERVICES

Vasai-Virar High Profile Model Call Girls📞9833754194-Nalasopara Satisfy Call ...

priyasharma62062

VIP Call Girl in Mumbai Central 💧 9920725232 ( Call Me ) Get A New Crush Everyday With Jareena * Mumbai Escorts * FOR BOOKING ★ A-Level (5-star Escort) (Akanksha): ☎️ +91-9920725232 AVAILABLE FOR COMPLETE ENJOYMENT WITH HIGH PROFILE INDIAN MODEL AVAILABLE HOTEL & HOME Visit Our Site For More Pleasure in your City 👉 ☎️ +91-9920725232 👈 ★ SAFE AND SECURE HIGH-CLASS SERVICE AFFORDABLE RATE ★ SATISFACTION, UNLIMITED ENJOYMENT. ★ All Meetings are confidential and no information is provided to any one at any cost. ★ EXCLUSIVE PROFILes Are Safe and Consensual with Most Limits Respected ★ Service Available In: - HOME & HOTEL Star Hotel Service. In Call & Out call SeRvIcEs : ★ A-Level (star escort) ★ Strip-tease ★ BBBJ (Bareback Blowjob) Receive advanced sexual techniques in different mode make their life more pleasurable. ★ Spending time in hotel rooms ★ BJ (Blowjob Without a Condom) ★ Completion (Oral to completion) ★ Covered (Covered blowjob Without condom ★ANAL SERVICES. Contact me TELEPHONE WHATSAPP Looking for Enjoy all Day(Akanksha) : ☎️ +91-9920725232 Mumbai, Andheri, Navi Mumbai, Thane, Mumbai Airport, Mumbai Central, South Mumbai, Juhu, Bandra, Colaba, Nariman point, Malad, Powai, Mira Road, Dahisar, Mira Bhayandar, Worli, Santacruz, Vile Parle, Lower Parel, Chembur, Dadar, Ghatkopar, Kurla, Mulund, Goregaon, Kandivali, Borivali, Jogeshwari, Kalyan, Vashi , Nerul, Panvel, Dombivli, Lokhandwala, Four Bungalows, Versova, NRI Complex, Kharghar, Belapur, Taloja, Marine Drive, Hiranandani Gardens, Churchgate, Marine lines, Oshiwara, DN Nagar, Jb Nagar, Marol Naka, Saki Naka, Andheri East, Andheri West, Bandra West, Bandra East , Thane West, Ghodbundar Road, There is a lot of talk about it in the media and news, so you might be wondering if this particular service is really worth the effort. A call girl service is exactly what it sounds like – a service where a woman offers sexual services over the phone. This type of service has been around for a long time and has become increasingly popular over the years. In most cases, call girl services are legal and regulated in many countries. There are a few things to keep in mind when considering the choice of whether to use a call girl service. First and foremost, make sure that you are comfortable with the particular person you are using the service from. Second, research accordingly before choosing a call girl. Don't just go with the first provider that comes up in your search; get opinions from others as well. Finally, be sure to have fun while using a call girl service; it's not just about sex. S040524N ★OUR BEST SERVICES: - FOR BOOKING ★ A-Level (5-star escort) ★ Strip-tease ★ BBBJ (Bareback Blowjob) ★ Spending time in my rooms ★ BJ (Blowjob Without a Condom) ★ COF (Come on Face) ★ Completion ★ (Oral to completion) noncovered ★ Special Massage ★ O-Level (Oral) ★ Blow Job; ★ Oral fun uncovered) ★ COB (Come on Body) ★. Extra ball (Have ride many times) ☛ ☛ ☛ ✔✔ secure✔✔ 100% safe WHATSAPP CALL

VIP Call Girl in Mumbai Central 💧 9920725232 ( Call Me ) Get A New Crush Ever...

dipikadinghjn ( Why You Choose Us? ) Escorts

VIP Call Girl in Mumbai 💧 9920725232 ( Call Me ) Get A New Crush Everyday With Jareena * Mumbai Escorts * FOR BOOKING ★ A-Level (5-star Escort) (Akanksha): ☎️ +91-9920725232 AVAILABLE FOR COMPLETE ENJOYMENT WITH HIGH PROFILE INDIAN MODEL AVAILABLE HOTEL & HOME Visit Our Site For More Pleasure in your City 👉 ☎️ +91-9920725232 👈 ★ SAFE AND SECURE HIGH-CLASS SERVICE AFFORDABLE RATE ★ SATISFACTION, UNLIMITED ENJOYMENT. ★ All Meetings are confidential and no information is provided to any one at any cost. ★ EXCLUSIVE PROFILes Are Safe and Consensual with Most Limits Respected ★ Service Available In: - HOME & HOTEL Star Hotel Service. In Call & Out call SeRvIcEs : ★ A-Level (star escort) ★ Strip-tease ★ BBBJ (Bareback Blowjob) Receive advanced sexual techniques in different mode make their life more pleasurable. ★ Spending time in hotel rooms ★ BJ (Blowjob Without a Condom) ★ Completion (Oral to completion) ★ Covered (Covered blowjob Without condom ★ANAL SERVICES. Contact me TELEPHONE WHATSAPP Looking for Enjoy all Day(Akanksha) : ☎️ +91-9920725232 Mumbai, Andheri, Navi Mumbai, Thane, Mumbai Airport, Mumbai Central, South Mumbai, Juhu, Bandra, Colaba, Nariman point, Malad, Powai, Mira Road, Dahisar, Mira Bhayandar, Worli, Santacruz, Vile Parle, Lower Parel, Chembur, Dadar, Ghatkopar, Kurla, Mulund, Goregaon, Kandivali, Borivali, Jogeshwari, Kalyan, Vashi , Nerul, Panvel, Dombivli, Lokhandwala, Four Bungalows, Versova, NRI Complex, Kharghar, Belapur, Taloja, Marine Drive, Hiranandani Gardens, Churchgate, Marine lines, Oshiwara, DN Nagar, Jb Nagar, Marol Naka, Saki Naka, Andheri East, Andheri West, Bandra West, Bandra East , Thane West, Ghodbundar Road, There is a lot of talk about it in the media and news, so you might be wondering if this particular service is really worth the effort. A call girl service is exactly what it sounds like – a service where a woman offers sexual services over the phone. This type of service has been around for a long time and has become increasingly popular over the years. In most cases, call girl services are legal and regulated in many countries. There are a few things to keep in mind when considering the choice of whether to use a call girl service. First and foremost, make sure that you are comfortable with the particular person you are using the service from. Second, research accordingly before choosing a call girl. Don't just go with the first provider that comes up in your search; get opinions from others as well. Finally, be sure to have fun while using a call girl service; it's not just about sex. S040524N ★OUR BEST SERVICES: - FOR BOOKING ★ A-Level (5-star escort) ★ Strip-tease ★ BBBJ (Bareback Blowjob) ★ Spending time in my rooms ★ BJ (Blowjob Without a Condom) ★ COF (Come on Face) ★ Completion ★ (Oral to completion) noncovered ★ Special Massage ★ O-Level (Oral) ★ Blow Job; ★ Oral fun uncovered) ★ COB (Come on Body) ★. Extra ball (Have ride many times) ☛ ☛ ☛ ✔✔ secure✔✔ 100% safe WHATSAPP CALL ME +91-

VIP Call Girl in Mumbai 💧 9920725232 ( Call Me ) Get A New Crush Everyday Wit...

dipikadinghjn ( Why You Choose Us? ) Escorts

Call Girls Navi Mumbai Just Call 9833754194 Top Class Call Girl Service Available Independent call girls' rates in Vasai are affordable. Escorts have a stylish look and a slim figure. They dress attractively and look sensual 9833754194 Get High Profile queens , aWell Educated , Good Looking , Full Cooperative Model Services. you can see me at my comfortable Hotels or I can visit you in hotel Our Service Available IN All Services 3/5/7 Star Hotels, In call /Out call Service 24/7.. To enjoy with hot and sexy girls . we are providing :- Models V I P Models Russian Models Foreigner Models TV Actress and Celebrities Receptionist Air Hostess Call Center Working Girls/Women Hi-Tech Co. Girls/Women Housewife Collage Going Girls. Travelling Escorts. Ramp-models Foreigner And Many More.. In call & Outcall Available... Our Best Escort Services - Booking For Alisha A-Level (5 star escort) Strip-tease BBBJ (Bareback Blowjob) Spending time in my rooms BJ (Blowjob Without a Condom) COF (Come On Face) Completion Oral Sex B.J Without Condom Special Massage O-Level (Oral sex)

Navi Mumbai Cooperetive Housewife Call Girls-9833754194-Natural Panvel Enjoye...

priyasharma62062

Webinar on E-Invoicing for Fintech Belgium

FinTech Belgium

Low Rate Call Girls Pune Vedika Call Now: 8250077686 Pune Escorts Booking Contact Details WhatsApp Chat: +91-8250077686 Pune Escort Service includes providing maximum physical satisfaction to their clients as well as engaging conversation that keeps your time enjoyable and entertainin. Plus they look fabulously elegant; making an impressionable. Independent Escorts Pune understands the value of confidentiality and discretion - they will go the extra mile to meet your needs. Simply contact them via text messaging or through their online profiles; they'd be more than delighted to accommodate any request or arrange a romantic date or fun-filled night together. We provide –

(Vedika) Low Rate Call Girls in Pune Call Now 8250077686 Pune Escorts 24x7

Call Girls in Nagpur High Profile Call Girls

Booking open Available Pune Call Girls Wadgaon Sheri 6297143586 Call Hot Indian Girls Waiting For You To Fuck Booking Contact Details WhatsApp Chat: +91-6297143586 pune Escort Service includes providing maximum physical satisfaction to their clients as well as engaging conversation that keeps your time enjoyable and entertaining. Plus they look fabulously elegant; making an impressionable. Independent Escorts pune understands the value of confidentiality and discretion - they will go the extra mile to meet your needs. Simply contact them via text messaging or through their online profiles; they'd be more than delighted to accommodate any request or arrange a romantic date or fun-filled night together. We provide - 01-may-2024(v.n)

Booking open Available Pune Call Girls Wadgaon Sheri 6297143586 Call Hot Ind...

Call Girls in Nagpur High Profile

VIP Independent Call Girls in Mumbai 🌹 9920725232 ( Call Me ) Mumbai Escorts * Ruhi Singh * FOR BOOKING ★ A-Level (5-star Escort) (Akanksha): ☎️ +91-9920725232 AVAILABLE FOR COMPLETE ENJOYMENT WITH HIGH PROFILE INDIAN MODEL AVAILABLE HOTEL & HOME Visit Our Site For More Pleasure in your City 👉 ☎️ +91-9920725232 👈 ★ SAFE AND SECURE HIGH-CLASS SERVICE AFFORDABLE RATE ★ SATISFACTION, UNLIMITED ENJOYMENT. ★ All Meetings are confidential and no information is provided to any one at any cost. ★ EXCLUSIVE PROFILes Are Safe and Consensual with Most Limits Respected ★ Service Available In: - HOME & HOTEL Star Hotel Service. In Call & Out call SeRvIcEs : ★ A-Level (star escort) ★ Strip-tease ★ BBBJ (Bareback Blowjob) Receive advanced sexual techniques in different mode make their life more pleasurable. ★ Spending time in hotel rooms ★ BJ (Blowjob Without a Condom) ★ Completion (Oral to completion) ★ Covered (Covered blowjob Without condom ★ANAL SERVICES. Contact me TELEPHONE WHATSAPP Looking for Enjoy all Day(Akanksha) : ☎️ +91-9920725232 Mumbai, Andheri, Navi Mumbai, Thane, Mumbai Airport, Mumbai Central, South Mumbai, Juhu, Bandra, Colaba, Nariman point, Malad, Powai, Mira Road, Dahisar, Mira Bhayandar, Worli, Santacruz, Vile Parle, Lower Parel, Chembur, Dadar, Ghatkopar, Kurla, Mulund, Goregaon, Kandivali, Borivali, Jogeshwari, Kalyan, Vashi , Nerul, Panvel, Dombivli, Lokhandwala, Four Bungalows, Versova, NRI Complex, Kharghar, Belapur, Taloja, Marine Drive, Hiranandani Gardens, Churchgate, Marine lines, Oshiwara, DN Nagar, Jb Nagar, Marol Naka, Saki Naka, Andheri East, Andheri West, Bandra West, Bandra East , Thane West, Ghodbundar Road, There is a lot of talk about it in the media and news, so you might be wondering if this particular service is really worth the effort. A call girl service is exactly what it sounds like – a service where a woman offers sexual services over the phone. This type of service has been around for a long time and has become increasingly popular over the years. In most cases, call girl services are legal and regulated in many countries. There are a few things to keep in mind when considering the choice of whether to use a call girl service. First and foremost, make sure that you are comfortable with the particular person you are using the service from. Second, research accordingly before choosing a call girl. Don't just go with the first provider that comes up in your search; get opinions from others as well. Finally, be sure to have fun while using a call girl service; it's not just about sex. S030524N ★OUR BEST SERVICES: - FOR BOOKING ★ A-Level (5-star escort) ★ Strip-tease ★ BBBJ (Bareback Blowjob) ★ Spending time in my rooms ★ BJ (Blowjob Without a Condom) ★ COF (Come on Face) ★ Completion ★ (Oral to completion) noncovered ★ Special Massage ★ O-Level (Oral) ★ Blow Job; ★ Oral fun uncovered) ★ COB (Come on Body) ★. Extra ball (Have ride many times) ☛ ☛ ☛ ✔✔ secure✔✔ 100% safe WHATSAPP CALL ME +91-9920725232

VIP Independent Call Girls in Mumbai 🌹 9920725232 ( Call Me ) Mumbai Escorts ...

dipikadinghjn ( Why You Choose Us? ) Escorts

Booking open Available Pune Call Girls Talegaon Dabhade 6297143586 Call Hot Indian Girls Waiting For You To Fuck Booking Contact Details WhatsApp Chat: +91-6297143586 pune Escort Service includes providing maximum physical satisfaction to their clients as well as engaging conversation that keeps your time enjoyable and entertaining. Plus they look fabulously elegant; making an impressionable. Independent Escorts pune understands the value of confidentiality and discretion - they will go the extra mile to meet your needs. Simply contact them via text messaging or through their online profiles; they'd be more than delighted to accommodate any request or arrange a romantic date or fun-filled night together. We provide - 01-may-2024(v.n)

Booking open Available Pune Call Girls Talegaon Dabhade 6297143586 Call Hot ...

Call Girls in Nagpur High Profile

Diva-Thane European Call Girls Number-9833754194-Diva Busty Professional Call...

priyasharma62062

Top Rated Pune Call Girls Dighi ⟟ 6297143586 ⟟ Call Me For Genuine Sex Service At Affordable Rate Booking Contact Details WhatsApp Chat: +91-6297143586 pune Escort Service includes providing maximum physical satisfaction to their clients as well as engaging conversation that keeps your time enjoyable and entertaining. Plus they look fabulously elegant; making an impressionable. Independent Escorts pune understands the value of confidentiality and discretion - they will go the extra mile to meet your needs. Simply contact them via text messaging or through their online profiles; they'd be more than delighted to accommodate any request or arrange a romantic date or fun-filled night together. We provide - 01-may-2024(v.n)

Top Rated Pune Call Girls Dighi ⟟ 6297143586 ⟟ Call Me For Genuine Sex Servi...

Call Girls in Nagpur High Profile

Call Girls Kharghar Just Call 9833754194 Top Class Call Girl Service Available Independent call girls' rates in Vasai are affordable. Escorts have a stylish look and a slim figure. They dress attractively and look sensual 9833754194 Get High Profile queens , aWell Educated , Good Looking , Full Cooperative Model Services. you can see me at my comfortable Hotels or I can visit you in hotel Our Service Available IN All Services 3/5/7 Star Hotels, In call /Out call Service 24/7.. To enjoy with hot and sexy girls . we are providing :- Models V I P Models Russian Models Foreigner Models TV Actress and Celebrities Receptionist Air Hostess Call Center Working Girls/Women Hi-Tech Co. Girls/Women Housewife Collage Going Girls. Travelling Escorts. Ramp-models Foreigner And Many More.. In call & Outcall Available... Our Best Escort Services - Booking For Alisha A-Level (5 star escort) Strip-tease BBBJ (Bareback Blowjob) Spending time in my rooms BJ (Blowjob Without a Condom) COF (Come On Face) Completion Oral Sex B.J Without Condom Special Massage O-Level (Oral sex)

Kharghar Blowjob Housewife Call Girls NUmber-9833754194-CBD Belapur Internati...

priyasharma62062

Call Girl Mumbai Indira Call Now: 8250077686 Mumbai Escorts Booking Contact Details WhatsApp Chat: +91-8250077686 Mumbai Escort Service includes providing maximum physical satisfaction to their clients as well as engaging conversation that keeps your time enjoyable and entertainin. Plus they look fabulously elegant; making an impressionable. Independent Escorts Mumbai understands the value of confidentiality and discretion - they will go the extra mile to meet your needs. Simply contact them via text messaging or through their online profiles; they'd be more than delighted to accommodate any request or arrange a romantic date or fun-filled night together. We provide –

(INDIRA) Call Girl Mumbai Call Now 8250077686 Mumbai Escorts 24x7

Call Girls in Nagpur High Profile Call Girls

VIP Independent Call Girls in Taloja 🌹 9920725232 ( Call Me ) Mumbai Escorts * Ruhi Singh * FOR BOOKING ★ A-Level (5-star Escort) (Akanksha): ☎️ +91-9920725232 AVAILABLE FOR COMPLETE ENJOYMENT WITH HIGH PROFILE INDIAN MODEL AVAILABLE HOTEL & HOME Visit Our Site For More Pleasure in your City 👉 ☎️ +91-9920725232 👈 ★ SAFE AND SECURE HIGH-CLASS SERVICE AFFORDABLE RATE ★ SATISFACTION, UNLIMITED ENJOYMENT. ★ All Meetings are confidential and no information is provided to any one at any cost. ★ EXCLUSIVE PROFILes Are Safe and Consensual with Most Limits Respected ★ Service Available In: - HOME & HOTEL Star Hotel Service. In Call & Out call SeRvIcEs : ★ A-Level (star escort) ★ Strip-tease ★ BBBJ (Bareback Blowjob) Receive advanced sexual techniques in different mode make their life more pleasurable. ★ Spending time in hotel rooms ★ BJ (Blowjob Without a Condom) ★ Completion (Oral to completion) ★ Covered (Covered blowjob Without condom ★ANAL SERVICES. Contact me TELEPHONE WHATSAPP Looking for Enjoy all Day(Akanksha) : ☎️ +91-9920725232 Mumbai, Andheri, Navi Mumbai, Thane, Mumbai Airport, Mumbai Central, South Mumbai, Juhu, Bandra, Colaba, Nariman point, Malad, Powai, Mira Road, Dahisar, Mira Bhayandar, Worli, Santacruz, Vile Parle, Lower Parel, Chembur, Dadar, Ghatkopar, Kurla, Mulund, Goregaon, Kandivali, Borivali, Jogeshwari, Kalyan, Vashi , Nerul, Panvel, Dombivli, Lokhandwala, Four Bungalows, Versova, NRI Complex, Kharghar, Belapur, Taloja, Marine Drive, Hiranandani Gardens, Churchgate, Marine lines, Oshiwara, DN Nagar, Jb Nagar, Marol Naka, Saki Naka, Andheri East, Andheri West, Bandra West, Bandra East , Thane West, Ghodbundar Road, There is a lot of talk about it in the media and news, so you might be wondering if this particular service is really worth the effort. A call girl service is exactly what it sounds like – a service where a woman offers sexual services over the phone. This type of service has been around for a long time and has become increasingly popular over the years. In most cases, call girl services are legal and regulated in many countries. There are a few things to keep in mind when considering the choice of whether to use a call girl service. First and foremost, make sure that you are comfortable with the particular person you are using the service from. Second, research accordingly before choosing a call girl. Don't just go with the first provider that comes up in your search; get opinions from others as well. Finally, be sure to have fun while using a call girl service; it's not just about sex. S040524N ★OUR BEST SERVICES: - FOR BOOKING ★ A-Level (5-star escort) ★ Strip-tease ★ BBBJ (Bareback Blowjob) ★ Spending time in my rooms ★ BJ (Blowjob Without a Condom) ★ COF (Come on Face) ★ Completion ★ (Oral to completion) noncovered ★ Special Massage ★ O-Level (Oral) ★ Blow Job; ★ Oral fun uncovered) ★ COB (Come on Body) ★. Extra ball (Have ride many times) ☛ ☛ ☛ ✔✔ secure✔✔ 100% safe WHATSAPP CALL ME +91-9920725232

VIP Independent Call Girls in Taloja 🌹 9920725232 ( Call Me ) Mumbai Escorts ...

dipikadinghjn ( Why You Choose Us? ) Escorts

Find Verified Trusted Call Girl Vasai 9833754194 Andheri Escorts High Profile Models, Air Hostess, College Girls, House wife in 4 5 Star hotel. Call Girls 9833754194-Get High Profile queens , aWell Educated , Good Looking , Full Cooperative Model Services. you can see me at my comfortable Hotels or I can visit you in hotel Our Service Available IN All Services 3/5/7 Star Hotels, In call /Out call Service 24/7.. To enjoy with hot and sexy girls . we are providing :- Models V I P Models Russian Models Foreigner Models TV Actress and Celebrities Receptionist Air Hostess Call Center Working Girls/Women Hi-Tech Co. Girls/Women Housewife Collage Going Girls. Travelling Escorts. Ramp-models Foreigner And Many More.. In call & Outcall Available... Our Best Escort Services - Booking For Alisha A-Level (5 star escort) Strip-tease BBBJ (Bareback Blowjob) Spending time in my rooms BJ (Blowjob Without a Condom) COF (Come On Face) Completion Oral Sex B.J Without Condom Special Massage O-Level (Oral sex)

Vasai-Virar Fantastic Call Girls-9833754194-Call Girls MUmbai

priyasharma62062

Best VIP Call Girls Morni Hills Just Click Me 6367492432 Escorts Service Available Whatsapp Chaya ☎️ : [+91-6367492432] Escorts Service Chandigarh are always ready to make their clients happy. Their exotic looks and sexy personalities are sure to turn heads. You can enjoy with them, including massages and erotic encounters. Our area Escorts are young and sexy, so you can expect to have an exotic time with them. They are trained to satiate your naughty nerves and they can handle anything that you want. They are also intelligent, so they know how to make you feel comfortable and relaxed Independent Escorts Service Chandigarh They know all the sex positions and can satisfy you in any way that you desire. They can even give you erotic massages to help you relax before your session. This is essential, because a man who is stressed won’t be receptive to the pleasures of sex. They also know how to play with your sexy organs, so you’ll have plenty of foreplay and cuddling. P352024SS SERVICE ✅ ❣️ ⭐➡️HOT & SEXY MODELS // COLLEGE GIRLS HOUSE WIFE RUSSIAN , AIR HOSTES ,VIP MODELS . AVAILABLE FOR COMPLETE ENJOYMENT WITH HIGH PROFILE INDIAN MODEL AVAILABLE HOTEL & HOME ★ SAFE AND SECURE HIGH CLASS SERVICE AFFORDABLE RATE ★ SATISFACTION,UNLIMITED ENJOYMENT. ★ All Meetings are confidential and no information is provided to any one at any cost. ★ EXCLUSIVE PROFILes Are Safe and Consensual with Most Limits Respected ★ Service Available In: - HOME & HOTEL Star Hotel Service .In Call & Out call SeRvIcEs : ★ A-Level (star escort) ★ Strip-tease ★ BBBJ (Bareback Blowjob)Receive advanced sexual techniques in different mode make their life more pleasurable. ★ Spending time in hotel rooms ★ BJ (Blowjob Without a Condom) ★ Completion (Oral to completion) ★ Covered (Covered blowjob Without condom ★ANAL SERVICES.

Best VIP Call Girls Morni Hills Just Click Me 6367492432

motiram463

Model Call Girl Services in Delhi reach out to us at 🔝 9953056974 🔝✔️✔️ Our agency presents a selection of young, charming call girls available for bookings at Oyo Hotels. Experience high-class escort services at pocket-friendly rates, with our female escorts exuding both beauty and a delightful personality, ready to meet your desires. Whether it's Housewives, College girls, Russian girls, Muslim girls, or any other preference, we offer a diverse range of options to cater to your tastes. We provide both in-call and out-call services for your convenience. Our in-call location in Delhi ensures cleanliness, hygiene, and 100% safety, while our out-call services offer doorstep delivery for added ease. We value your time and money, hence we kindly request pic collectors, time-passers, and bargain hunters to refrain from contacting us. Our services feature various packages at competitive rates: One shot: ₹2000/in-call, ₹5000/out-call Two shots with one girl: ₹3500/in-call, ₹6000/out-call Body to body massage with sex: ₹3000/in-call Full night for one person: ₹7000/in-call, ₹10000/out-call Full night for more than 1 person: Contact us at 🔝 9953056974 🔝. for details Operating 24/7, we serve various locations in Delhi, including Green Park, Lajpat Nagar, Saket, and Hauz Khas near metro stations. For premium call girl services in Delhi 🔝 9953056974 🔝. Thank you for considering us!

Call Girls in New Ashok Nagar, (delhi) call me [9953056974] escort service 24X7

9953056974 Low Rate Call Girls In Saket, Delhi NCR

Call Girl In Dwarka ☎92055#41914 ¶¶ Indian,Russian Best Quality full Educated And Full Cooperative Independent Call Girls Escort Services In New Delhi- I Have Extremely Beautiful Broad Minded Cute Sexy & Hot Call Girls and Escorts, We Are Located in 3* 4* 5* Hotels in Delhi. Safe & Secure High Class Services Affordable Rate 100% Satisfaction, Unlimited Enjoyment. Any Time for Model/Teens Escort in Delhi High class luxury and premium escorts agency Indian Russian Call Girls In Delhi Booking Good High Profile Escorts (Call Girls) In Delhi 5 Star Hotel ,Incall Service,OutCall Service, We provide services by Call Girls,College Girls,Modals Get High Profile queens,Well Educated,Good Looking,Full Cooperative Model, Russian Models,Punjabi Girls Kashmeri Girls Services etc… We Provide Hottest Female With Safe And Consensual With Most Limits Respected Complete Satisfaction Guaranteed…Service. Call Me Spacial For Including Incall//outcall Service In New Delhi Indian Russian Escorts Service

Call Girls in New Friends Colony Delhi 💯 Call Us 🔝9205541914 🔝( Delhi) Escort...

Delhi Call girls

Recently uploaded (20)