Knut Anders WangenHead of MobilePay Norway

Danske Bank

–a challenger and disruptive force in the

Norwegian market

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Pope Johannnes Paul II - 2005

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Pope Frans - 2013

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Disruption & significant change in consumer

behavior

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Business case dynamics in the payment

landscape are influenced from multiple sides

New technology

enabling new opportunities

(mobile, big data, cloud)

Consumers getting mobile, easy,

convenient, and relevant

E-Commerce

exploding from 75bn to 150bn in the next 5 years

New digital

entrants fighting for customer interface, e.g., Apple, Google,

Samsung, FB

Regulation, PSD2 opens up data to

everyone

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Significant change in consumer behaviour

- also for us as a bank…

An average customer meets with his advisor every 5th year

An average customer gives us a call twice a year

An average online banking customer logs-on once a week

A mobile banking customer logs-on every second banking day

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We need to create exceptional customer experience

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And disruption and digitalisation is a key driver

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Dual track strategy…

Future Bank

(evolution)

Disruption

(revolution)

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MobilePay in Norway

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MobilePay fun facts

Danmark:

MobilePay er den

3. mest brukteappen i Danmark

50 % av alle reiser med DSB betales med MobilePay

87% av alle kommuner bruker MobilePay

2,8 millioner

Aktive brukere

Norge:

•1200 butikker oppe ila Q1• Betaling i Ruter sin APP (1 mill brukere)• MobilePay Online kommer

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MobilePay family

MobilePay Appswitch

MobilePay Point of Sale

MobilePay Kvitteringer

MobilePay Online

MobilePay Loyalty

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What next?

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