Fading Money: the future of home banking and financial services.
The first generation of digital Banks and financial services tried to transform an obscure world into something that could be used by everyone. The first scope was just enabling the access to daily basic functionality through simple web services but many things changed after. The advent of mobile solutions, tablet and smart sensors (beacon, NFC, portable card reader etc.) changed completely the actual landscape and banks needs to adapt their service experiences following new principles: simple, cross-channel and tailored.
Starting from the pillars of modern banking solutions we’ll discover the impact of big data on personal finance management, the role of mobile and desktop interfaces today and how physical branches are reinventing their role to follow this ever-evolving ecosystem.
We’ll discover also how intelligent systems can create tailored financial experiences for mass market, supporting the user in improving his knowledge of economics and creating personalized offers based on analytics and data tracking.
Today home banking is becoming a commodity and user are considering banks more and more as modern personal wallets. Tomorrow artificial intelligence, personal financial advisor, smart branch, wearable devices and the overall cross channel strategy will become the key factors of products differentiation.