Innovative trends for finance in 2013

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Innovative trends for
finance in 2013
(Extract from 2013 top 50 Innovations in finance, a Jasmin report)

2. All rights reserved, including translation © JASMIN www.groupe-jasmin.com 2/7
 Digital asserts as a way to consolidate finance competitors
own achievements but also to gain market shares.
 A switchover considered as a real challenge to improve
relations with digital natives : think the whole strategy,
define a singular position, consider each channel in an
interactive distribution policy.
 Digital fights its own limits with customers reluctant for
a 100% virtual bank but positive minded for a mobile and
modern bank catered to their consumption needs.
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 Swept aside a few years ago with the Internet Banking
phenomenon, the financial advisor is now back at the
center of the customer relationship management.
 Proximity and Humanity are the new mottos with a
dedicated advisor, reachable at any time and on every
channel (social networks, mobile, Internet etc.).
 Value added service becomes the new frontier.
It’s time for digital
The human effect
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Insurance’s catch up
 The gap between Banks and Insurance Companies is shrinking thanks
to new technologies and the new applications dedicated to e-health,
automated home services and on board car systems.
 The potential of the market seems huge with a French e-health
sector reaching 2.4 billion Euros in 2015, the home automation
sector itself estimated to 1 billion Euros and more than 210
million connected cars in 2016 throughout the world.
 BIG DATA is the ongoing revolution with new operators to access
new revenue sources by offering retailers customers’ purchasing
track record.
 Axa has been concerned about the upcoming Google competition in
the car insurance market.
Customer knowledge

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5Customers’ use at first
 All relational displays are designed to fit the
final user ergonomics needs and a huge work has
been achieved to make it simple
 The challenge is to enable customers to self
appropriate the products and services offered at
a glance.
New opportunities
6  After Peer to Peer, Crowdfunding now shows off thanks
to regulators. Currently, sixty crowdfunding platforms
exist in France to enable Internet users to make
donations and loans or invest into projects or
corporates.
 Worldwide figures are encouraging with around 2
billion Euros raised in 2012 by over 1 million people or
corporates, a 81% increase compared to 2011.

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World top 3 innovations in
finance for 2013W

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2014 trends
T big data
gamification
wearable technologies
virtual currencies

7. All rights reserved, including translation © JASMIN www.groupe-jasmin.com 7/7
Innovative trends for
finance in 2013
(Extract from 2013 top 50 Innovations in finance, a Jasmin report)