Presentation at VRL conference in Kuala Lumpur - May 2009

1. FINANCE 2.0
Future or Feature?
Aman Narain
Group Head of Remote Banking

2. Meet the new players in Online Finance?
Online Banks Finance 2.0
& Brokers
2.0 Services

3. How are they shaking things up?
1 Customer Vs
Bankcentric Bank
2 Embracing
Social Media
3 Ease of Use
You
Technology is
4 the Business
Invest Save Transfer Expenses Shop Travel Taxes

4. How are they shaking things up?
1 Customer Vs Bank
Bankcentric
Invest Travel
2 Embracing Advise
Social Media
Transact
3 Ease of Use
Transfer Shop
You
Plan
Technology is Analyze
4 the Business
Save Taxes
Expenses

5. How are they shaking things up?
Share Collaborate Communicate Consolidate
Customer Vs (Peer 2 Peer) (Folksonomy) (Mash up’s)
1 Bankcentric
Service Account Info Email Share
Embracing Rates Data Collaborate
2 Social Media SMS
Opinions Meta Data Social Media Communicate
(Wiki, Blogs,
3 Ease of Use Collective Micro Blogs)
Intelligence
Technology is
4 the Business

6. How are they shaking things up?
Language Information Design Adoption
Customer Vs
1 Bankcentric
Casual Explicit Persistent Free Trial
Navigation
Embracing
2 Social Media
Relevant Grouped Visual & Interactive
Textual Help
3 Ease of Use Concise Interactive Analytically Beta Users &
Driven Prosumers
Technology is Dialogue
4 the Business

7. How are they shaking things up?
Agile
1 Customer Vs
Bankcentric RAD
Run
API
2 Embracing Ajax
Social Media Flex
3 Ease of Use
Tech Biz Customers
Technology is
4 the Business
Build

8. Challenges Bank’s face
CHALLENGES RESPONSE?
1 Technology
Ignore
/Legacy v/s Leading Edge /Buy v/s Build
Mindset do nothing
2
RE
/Baby Boomers v/s Gen Y /Branch v/s Remote
LO
3 Business Model EXPelective
/Technology v/s Biz /Cannabalization be s
4 Legal & Compliance
KYC /Reputational Risk em b ra
TRY EV ce
5 Security ERYTH
IN G
Bank Grade Standards /Hosted v/s Owned

9. What are we doing differently ?
@ Standard Chartered
1 New Business & Development Model
Biz is Tech /Modular Approach
2 New Mindset
/Hire the change /Empowerment /Means=Ends
3 Creating more Retail Space
/Pre & Post Login /Dynamic /Relevant
4 Richer Content
/New Media solving for old Problems /Driving Leads
5 Focus on User Experience
/Usability Standards /Customer Feedback /Channel Agnostic

10. What are we doing differently ?
/Ideas & Inspiration
THE WEB BLOGS & JOURNALS SHARING IDEAS
+

11. What are we doing differently ?
/More Retail Space

12. What are we doing differently ?
/Richer Content
PODCASTS
MICROSITES / DEMOS

13. What are we doing differently ?
/Richer Content
FINANCIAL TOOLS
MASHUPS
NEWS FEEDS

14. So where does Finance 2.0 end up?
DS
EN 1 0
TR 09 /
20
Banks get smarter Consolidation &
Online Banks
& focus on new focus working
Finance 2.0
leveraging services
& Brokers with to support
from providers Banks
Growing # of
players
2.0 Services
supporting
Banks

15. The Future is New Features driven by Banks
DS
EN 1 0
TR 09 /
20
Transaction Rich Winning
Ease Content Features
1 Savings Goals
View
Whatever
2 Aggregated View
Transact x = 3 Personalized UI
Whenever
4 Spend Analyzers
Analyze
5 Comparison Shopping
Advice Whomever
6 Device Agnostic

16. A Social Media Project
from Standard Chartered

17. VIR.US
Work
with partners
to educate Social
What? HIV
people about How?
Media
& Aids online

18. A Social Media Project
from Standard Chartered

19. Thank You
and your questions?