INNOVATION, FORESIGHT & BUSINESS DESIGNDISCOVERY REPORT

ALWAYS CONNECTED.

People Spend Twice as Much Time Online as Watching TV

49.6% of time spent online is spent on collaborative activities.

(1) 500 million Facebook deni-zens are plotting their social graphs.(2) 145 million Twitter users Tweet and ReTweet.(3) 3 million people are checking-in on FourSquare.

ARE YOU A BRAND?

“… there’s a big difference between be-ing known, be-ing known for something, and also being able to turn that into business”

“Facebook, as both a net-work and a platform, is un-locking new and important connections between people, brands, content, and data”

Mass Mingling: online revolu-tion fueling ‘real world’

WHAT CAN YOU GIVE?

HOW?

Baby Boomers al-ready give more to charity than their parents’ genera-tion did, and they plan to increase their giving in the next five years”

Social network al-low users to take solution to world problems in their hands

Second Life’s 2010 Relay for Life raised US $222,804 for cancer research while the 2009 event raised US $ $274,000

“Philanthropy on the Rise”

WHAT IS YOUR STATUS?

STATUSPHERE | As consumers are starting to recognize and respect fellow consumers who stray off the beaten consuming-more-than-thou-path, ‘new’ status can be about acquired skills, about eco-credentials, about generosity, about connectivity... All of this makes for a far more diversified ‘STATUSPHERE’ than most brands and organizations have traditionally catered to. Time to really figure out how and where your customers are now finding their status fix.

WHO CAN YOU COLLABO-RATE WITH?

“500 million Facebook denizens are plotting their social graphs.”

“PayPal could use their partnership with Facebook to develop the system even further but expect some move-ment from Google in this field soon.”

WHERE ARE CUSTOMERS LOOKING?

People spend 700 billion minutes per month on Facebook.

HOW ARE TRANSACTIONS EVOLVING?“Many virtual worlds have a large, overarching economy, based on market econo-my principles.”

“Secondlife currency Linden is being traded at an “official” exchange rate of 250 Lindens to 1 US Dollar. Donations of 20, 50, 100, or even 250 Lindens are com-mon, but with the exchange rate of around 250 Lindens to one U.S. dollar, 20 Lin-dens equals about $0.08 and 100 equals about $0.40.”

In 2009 the Second Life economy, despite the hiatus in the world economy, rose 65 percent against the previous year to $US567 million while gross resi-dent earnings recorded 11 percent growth to $US55 million, mainly through user-created, services, merchandise, and virtual goods.

HOW ARE TRANSACTIONS EVOLVING?

Despite a staunch position against non-company-sanctioned real-money trading (RMT), or the exchange of “real” money for virtual goods and services, Blizzard Entertainment has recently introduced new features of World of Warcraft that have opened the door to the sale of the company’s own virtual goods.

Development in Value of online User-to-User transaction:o 2007: $US333 mil. o 2008: $US 344 mil.o 2009: $US 567 mil.

WHO HAS POWER?

“Rise of ASIA - at America’s expense”

Apple, Google, Twitter, Facebook and AmazonPaypal’s new developer tool - Changehowwepay.com

USER

Facebook bank“Heroism”Legend / heritage

Virtual economy

Popularity

Travel

Follow / lead

Laziness

“Other people” trust

Procreate

Faith

Instant banking

Instant access

Insurance / protection

Reality show

Tax shelter

Instant gratification

High credits

Migration

“Info-lust”

P2P

Creativity

Bargaining

Gather

Convenience

♥ companyCooperate

Empathy

Recognition

Style

Feeling

Relationships

Trust

Ambition

Pleasure

Beliefs

Helping

Spending / consuming

Explore curiosity

CompetitionSpeculation

Success

Generosity

Adventure

Environment concerns

“Feel-good” banking

Trends

A.I. banking

“One world” bank

Openness to diversity

“Spend now worry later”

Impulse purchases

Investing

Aesthetic

“Being seen”“Bank of you”

Conquer

Stalking

Lack of physical contact

Simplicity

Spending behavior

Financial knowledge

Escapism “Games investment”

Wealth retention

International transfer

Peer-2-peer mortgages

Growth online

Purpose

Self expression

Drive

Family

Respect

Paperless environments

Social networking

“Viral”

Lavish lifestyle

Online communitiesAutomated

Snowball effect

Interconnected banking

Change in spending

Brokerage

Virtual financial advisor

Non bank account

Mirror image

Constant comparison Copying others

Branding of products

Role models

Urbanization

Investing for future / kids

Real-time “now”

Paperless: people’s preference

Transactions

Social

Safety / security Status

Fear

Power

Saving

Family

Greed

Seeking better life

Displaying wealth

Always connected

“Self branding”, e.g. Twitter, Facebook

Change in taste for spending

Relationship financing

TECHNOLOGY

Theft technology

Reward exchangeApplications vs Browsers

Seamless Multiple identitiesApplications

Finger tip identification

Mobile devices

Home 3d printing

Urban Farming

Robots at home

Micro sensing objects

Share resource

Filtering information

Solarized gadgets

Virtual reality banking

Virtual investments

Virtual property

Viral banking

All information accessibility

Space screen technology

Money Happiness

Financial surveillance

Facebook with empathy

iPhone wallet

IT System hackers

Facebook Bank

Artificial Intelligence

Electric Vehicles

Freelancer Virtual Global Office

Google Bank

Know where people are everywhere

Banks as credit rating approval

Reward points

Debit card

Social networks

Touch screen

Chip technology

Credit card

iPad/tablets

Mobile services

Laptops

Call CentresVirtual Reality

ExpressTeller

Places

ATMS Cloud computing

2G cards

Amazon FPSPaypal Checkout

Social ecosystem

Data Privacy

Objects communicating

Sixth Sense

Virtual economy

Perfect megapixels

Military war craft

No device

Multiple economies Networks as guarantors

Better mobile cameras

No money/No cash

Robots in office

Always connected

Vertical FarmingPortable

wind energy

Google checkout

Underwater travel

Aided budgeting

3d imaging

Multiple residences

Multiple realities

Hypersonic aircraftSpace travel

Speed travel

Urbanization technology

Compact living technology

Sleep technologySelf made technology

Waterproof storageWaterproof technology

Crowd funding

Ear headset phone

All device is within us

Breathing underwater

Sensoring technology

Translation systems

Client profileCollaborative tools

E-walletsEnhanced Reality

DNA identification system

Data information sale

Android wallet

Global collaborations

LinkedIN Virtual office

Digital Certificate/Passport

Holograms

Eye contact technology

Single online credit system

Dream tracking technology

Health technology

Waterproof circuits

Body implant technology

Mobile network banking

Single Device for EVERYTHING

Amazon BankGLOBAL Wifi

No time

Chemistry

Portable cars

Intuitive Technology

Wide accepted NANO technology

Immortality

Virtual ownership

Ubiquitous Computing

Computer in us

Single Network

Small Food technology

Online serviceEnable objects/places

E- Wallet aplications

Facebook-commerce

Planet Mars expansion

Eye identity

Stored value

Services exchange

Selling your data

Recession

Centralbank

6 bigbanks

immigration

“Free”economy

Credit

Environment

Mobile

Plenty of credit cards

Electronic payments

Rapid reward

Virtual contractsenforcers

Facebook credit

Financial advice

Banking on the move

Personalization

InformationVirtual marketplaces

Trusted paymentagents

Paypal

Fee free banking

Non institutional banks

Virtualeconomy

Thriftyspending

E-employer

E-bay

Rate your adviser

Your personal goals

Googlebank

Your virtual banker

Customer expect engagement

Virtual currency trading

Peer validation

Non bank lending

Peer lending

Cash-free world

Currency-free exchange

Rise ofAsia

Your virtual planner

Savingaccounts

No trustin banks

Deregulated banking

My Internationalbank

Bank-freeC2C

Private data

Anonymizer

Your private shopping

Google checkout

WOWmoney

Gold diggers Virtual

goods

Scam

Piracy

Virtual identity

New identity

Second Lifemoney

Virtualservices

Data extraction

Stealing your identity

repaymentenforcers

Cyber crimeOut of reach criminals

Data haven

World wide payments

World wide convenience

Western Union

Your finance optimizer

BOP markets

Non-bankaccounts

Hassle free service

Your private investor

Your financing options

No need for a bank

Offshore investment

Securities

World wide clients

Real estate

Foreign competition

Invest-ment

Alternatecurrencies

Socialnetworks

Expensive transportation

Paying anywhere with any currency

Independent international currency

Loan rates independent of RBC’sof monetary policies

Reward for saving

Accounts in virtual currencies

Forex

Information

Trust

Privatedate

Creditrating

Mobile phonetime as currency

Energy

Multi currency trading

ForexWar

Transaction data Fishbowl

Free transactionNetwork banking

Replicable value

Free transaction

Time richclients

Shrinking world

Agingpopulation

Group bargaining power

Group bankingReward / Punish brand

No loyaltyValues basedinvestment

Micro creditGreen banking

P2P trading

Information trading

Powerless central banksInternational lending market

Exchange physical services around the world

Energy pricerisings

Lean design banking

NewTransa-ctions

Every outlet is a bank

User drivingsolutionsPeople's world bank

KivaSocial entrepreneurshipReplaces aid

Fairtrade

Relocation of production

Ethicalbanking

project4hire

Network portfolio management

Group product specifications / designNetwork accounts

Worldwide unified banking market

Worldwide unified banking market

CommunityBased banks

Social causebanking

Social entrepreneurshipReplaces aid