1. Developing a Mobile Proposition
Section 1: Introduction to mobile
financial services and its implications
MICHAEL NUCIFORO
Mobile Consultant, Innovator and Futurist

2. Section 1 – 10:25 to 11:20
Examining the capabilities of mobile: present and future
• Global review: case studies of leading mobile offerings from around the world
• Understanding the different features of mobile devices and their potential applications
• New technologies on the horizon: the capabilities you should look out for
• The security implications of mobile functionality and how these should be addressed
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3. We heard it all before…
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4. This time it’s different…
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5. Everything aligned…
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6. A Mobile economy has emerged…
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7. And it’s blurring boundaries…
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8. This means…
‘As banking becomes Mobile, there is a need
to reach consumers in new ways, provide
relevant, timely information and ultimately
influence behaviour right at the point of
impact’.
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9. The second wave is coming…
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10. Last year alone…
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11. Web versus Native…
Data, images and layout are downloaded
every time a page is launched
WEB BROWSER
DATA,
IMAGES
Images, layout, and some copy is Only required data is
downloaded once – up front requested upon page launch
NATIVE
DATA
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12. Native capabilities…
NATIVE
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13. New opportunities…
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14. Two Factor Security Models…
Native capabilities can also enhance security:
 Global Unique Security Token per mobile client application instance
 Mobile number of the consumer
 Password
Together, these three items provide:
 Something the customer has
 Security Token
 Stored in the app instance
 Something the customer knows
 Mobile Number
 Password/PIN
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15. Castlight Health’s Mobile App
Castlight utilises native
technology to streamline the
health insurance process.
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16. Progressive Insurance Quotes
Progressive Lets Customers Get
Quotes, File Claims, And Pay Bills
By Taking Pictures.
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17. Barclays Pingit
Barclays Pingit has utilised push
notification reminders with deep
links to functionality.
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18. Capital One Sales
Capital One has developed
product sales journeys using
adaptive design.
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19. Halo Cab Ordering
Halo has leveraged location
technology to instantly hail a cab.
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20. eBay Online Shopping
eBay offers QR scanning so you
get price compare in store. In the
UK, 1 car is sold every minutes on
eBay mobile!
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21. Zeebox TV Guide
Zeebox has used HTML5 to
provide a rich interface across
multiple device types.
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22. NatWest GetCash
Customers simply enter the
amount they wish to withdraw
and a ‘cash code’ is revealed.
They then input the code into an
ATM to withdraw funds.
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23. PayPal Wallet
PayPal allows customers to
import their card details via the
camera. Simple and secure.
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24. Bank of America
BofA offer mobile cheque deposit
function. Customer can take a
photo of the front and back of
their cheque before submitting.
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25. CommBank ‘Bump’
Customers can send and receive
money by touching phones
together – bump!
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26. ABN Amro ‘Eurogami’
Customers can add an image, a
‘Eurogami’ or send a text
message to recipients when
making a payment.
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27. SEB Augmented Reality
The app allows customers using
the augmented reality branch
finder to view real time
information on branch waiting
times.
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28. Key takeaways…
1. Mobile will be the primary digital connection for your customers
2. The future of mobile is user context
3. Leverage immediacy, intimacy, and context throughout the customer life cycle
4. Reassure consumers about their privacy and security
5. Utilise native technology where applicable
6. Focus on value add, not gimmicks!
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